I'm thrilled to celebrate the incredible achievements of each and every one of you! Together, we've demonstrated the power of the “One Zurich” spirit. From Rookies exceeding expectations to established Leaders driving growth, your commitment to our customers and one another is truly inspiring.

Remember, you are not alone. We are a united force, and with every challenge we overcome and every goal we achieve, we build upon this incredible foundation. You have shown that when we work as a united force, with the well-being of our customers at the forefront of everything we do, we can achieve remarkable things. We learn from each other, share best practices, and celebrate one another's victories.

Let’s continue to strive for a future where we empower individuals and families to truly "Care For What Matters" most. Whether it's ensuring a child's education, a comfortable retirement, or protecting loved ones in the face of the unexpected, we give them the peace of mind to focus on building their dreams and living life to the fullest.

2024 is poised to be a phenomenal year. With your talent, drive, and unwavering commitment, I have no doubt we can exceed even the most ambitious targets. Let's leverage the lessons learned this year and push the boundaries of what's possible.

Congratulations again on all you have accomplished, and let's set the stage for an even more extraordinary 2024 and beyond! Here's to continued success, growth, and making a real difference in the lives of those we serve.