PT Zurich Life Insurance Indonesia

PT Zurich Life Insurance Indonesia

Change everywhere! The new millennium is just a few months
away. Indonesia has embarked on a new journey to the future, and
PT Zurich Life Insurance Indonesia has moved as well. Since May
1999 we share our offices with the general insurance company PT
Zurich Insurance Indonesia for even better service and solutions.

Customer Orientation

The life insurance market in Indonesia has developed.
Customers today are concerned about what insurance they buy. They
look for quality and safe investments; they look for true
solutions and the best advice. Some of the principles we at
Zurich Life follow to fulfill those customers-individuals or
groups-companies needs are:
* Value added: True satisfaction comes from high value. Life
insurance protection and savings programs need to be transparent
and well-explained and serviced. Extensive training of our
distribution network and an effective service organization are a
must.
* Innovation: Tapping into a worldwide network of knowledge, we
are able to serve customers with new and well-adapted solutions.
Our organization has a local face. Copying products from other
places is not good enough. We incorporate the best techniques and
services for Indonesian needs.
* Lifetime Security: With the backing of Zurich Financial
Services Group, with a prudent and safe investment strategy and
with our professionally managed portfolio, we fulfill the promise
of our policies for a lifetime.
* Quality customers deserve quality solutions: Zurich's
protection and investment products and excellent service are
designed in that way.

Zurich Financial Services Group

As a member of the 125-year-old Zurich Financial Services
Group (Switzerland), we are in a family of 65,000 employees
working in over 60 countries. With this network, we are able to
provide solutions encompassing Life and General Insurance as we
do Asset Management. In the last year, Zurich Financial Services
Group achieved an income of over US$35 billion, a profit of $2.2
billion (before merger-related costs), managed $400 billion in
assets and has positioned itself among the world's leading five
insurers.

Financial Strength

With insurance awareness increasing in Indonesia, and a
focused expansion strategy, the life insurance business of Zurich
has continued with an above-average growth. In 1998, PT Zurich
Life Insurance Indonesia contributed a substantial share to the
overall premium income of over Rp 75 billion of Zurich in
Indonesia. We expect this share to grow even more in 1999 as the
economic turnaround sets in. Life insurance is a long-term
commitment. Our prudent financial management will protect
customers' investments and savings in any currency. Zurich Life
Insurance follows the best international practice to ensure
payments of legitimate claims at any time. We welcome the risk-
based capital concept as implemented in the new Indonesian
insurance law; it helps to build trust in the industry.

Zurich people -- inspired by tomorrow

Founded in 1994, Zurich Life Insurance has, today, 64
employees and over 550 field representatives. To achieve this
growth, dedication and customer satisfaction, we have built and
are maintaining a strong multilocal culture. Open dialog, focus
on the essentials and a strong vision help us to win in a
changing and competitive market. Knowing well that we are here
for the long term, we need to build and foster the talent for
tomorrow's challenges. Building that talent is an important part
of our contribution to this country and to this industry.

Commitment

We are currently investing in the development of a new
customer sales and services center that will assist us in our
strategic objective of working to provide a complete 360 degree
solution to our customers. Not only in the provision of life
protection, educational savings, asset management and pension
benefit but, also by incorporating nonlife business for the
customer; tailor-made protection packages including motor,
accident and household. Also, we have taken the first step in the
launch of ZuRICH LINK, a new unit-linked product concept for
investors.

Life insurance is a lifetime promise. A promise for safe
investments, for complete protection. At Zurich Life Indonesia,
we do not take this lightly. Our commitment to our customers,
employees and shareholders alike is to work together in creative
and effective ways to fulfill the promise -- today and tomorrow.