Hi Sameralzaim
Sorry to hear about your difficulties with Zurich International Life (ZIL).
You say that the policy was sold to you 12 years ago - that would make it 2005, yes?
I ask because in 2005 ZIL did deal with retail investors directly, as well as through brokers. After 2006 they only dealt with brokers, and the management of their sales department bought out that part of the business and set up Nexus Group, which is a broker:
https://www.nexusadvice.com/about/
If you dealt with ZIL directly (and there was no broker involved) then this is better because you have only one company to deal with, i.e ZIL.
ZIL is established in the Isle of Man and is regulated there by the Isle of Man Financial Services Authority (IOMFSA). You may be able to complain to the IOMFSA - they have a guide on their website:
https://www.iomfsa.im/media/1586/con...complaints.pdf
I don't know if you have always been a US citizen/resident, or if you acquired this status since purchasing the savings plan, but this could be an important factor in framing that complaint.
Should ZIL have known all along that you were a US citizen/resident? Look back over the documents that you have (including emails). Did you ever mention a US address, or provide US documents (e.g. passport, bills etc) for identification purposes?