In April 2001, Zurich Kemper Life changed its name to Zurich Life. Zurich Life is a Business Unit of Zurich Financial Services Group (ZFSG). ZFSG was found in 1872 and a global leader in the financial services industry. Zurich Kemper was created in 1996 when Zurich Financial Services Group acquired the Kemper Life companies. As of December, 2001, it had $21.9 billion in assets. Zurich Life is comprised of five underwriting companies: Federal Kemper Life Assurance Company, Kemper Investors Life Insurance Company, Zurich Kemper Life Insurance Company of New York and Zurich Life Insurance Company of America, and Fidelity Life Association.

Certain-T 5, 10, 15, 20 and 30 year is non-participating term life insurance to age 95, policy form S-3224,R-3210, 3213 and S-3224 underwritten by Federal Life Assurance Company (FKLA), a Zurich Life Company, Schaumburg, IL 60196-6801. No tobacco means no use of any kind in the past 60 months for Premier, 36 months for Preferred, Select and Standard. Premiums include the annual policy fee: $60.00 for face amounts up to $249,999, $50.00 for $250,000+, $54.00 and $45.00 respectively for companion policies. Suicide and other limits may apply. Forms and policy provisions vary by state. Policy not available in all states. Companion policies not available in New Jersey.

Prior to the earlier of the 20th policy anniversary or the anniversary nearest the insured's 70th birthday, a Certain-T policy may be converted to an eligible Zurich Life cash value life insurance policy. The new policy must have a higher minimum-premium rate than the Certain-T plan at the time of conversion.