<SEC-DOCUMENT>0001214659-22-005166.txt : 20220413
<SEC-HEADER>0001214659-22-005166.hdr.sgml : 20220413
<ACCEPTANCE-DATETIME>20220412175034
ACCESSION NUMBER:		0001214659-22-005166
CONFORMED SUBMISSION TYPE:	PX14A6G
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20220413
DATE AS OF CHANGE:		20220412
EFFECTIVENESS DATE:		20220413

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Chubb Ltd
		CENTRAL INDEX KEY:			0000896159
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			V8
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		PX14A6G
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-11778
		FILM NUMBER:		22823179

	BUSINESS ADDRESS:	
		STREET 1:		BARENGASSE 32
		CITY:			ZURICH
		STATE:			V8
		ZIP:			CH-8001
		BUSINESS PHONE:		41 0 43 456 7600

	MAIL ADDRESS:	
		STREET 1:		BARENGASSE 32
		CITY:			ZURICH
		STATE:			V8
		ZIP:			CH-8001

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CHUBB Ltd
		DATE OF NAME CHANGE:	20160115

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ACE Ltd
		DATE OF NAME CHANGE:	20091216

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ACE LTD
		DATE OF NAME CHANGE:	19930122

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AS YOU SOW
		CENTRAL INDEX KEY:			0001086462
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			CA

	FILING VALUES:
		FORM TYPE:		PX14A6G

	BUSINESS ADDRESS:	
		STREET 1:		2150 KITTREDGE ST.
		STREET 2:		SUITE 450
		CITY:			BERKELEY
		STATE:			CA
		ZIP:			94704
		BUSINESS PHONE:		510-735-8155

	MAIL ADDRESS:	
		STREET 1:		2150 KITTREDGE ST.
		STREET 2:		SUITE 450
		CITY:			BERKELEY
		STATE:			CA
		ZIP:			94704
</SEC-HEADER>
<DOCUMENT>
<TYPE>PX14A6G
<SEQUENCE>1
<FILENAME>j412223px14a6g.htm
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    <TD ROWSPAN="2" STYLE="white-space: nowrap; vertical-align: top; width: 10%"><IMG SRC="asyousowlogo.jpg" ALT=""><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 10%"><FONT STYLE="font-size: 8pt; color: #00813D">Main Post Office, P.O. Box 751&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD STYLE="text-align: left; vertical-align: top; width: 80%; white-space: nowrap"><FONT STYLE="font-size: 8pt; color: #73C167"><B>www.asyousow.org</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt; color: #00813D">Berkeley, CA 94704</FONT></P>
                                    <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt; color: #00813D"> &nbsp;&nbsp;&nbsp;</FONT></P>
                                    <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt; color: #00813D">&nbsp;</FONT></P></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7.5pt; color: #73C167">BUILDING A SAFE, JUST, AND SUSTAINABLE WORLD SINCE 1992</FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">Notice of Exempt Solicitation Pursuant
to Rule 14a-103</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">Name of the Registrant: Chubb Limited
(CB)<BR>
Name of persons relying on exemption:&nbsp;As You Sow<BR>
Address of persons relying on exemption: Main Post Office, P.O. Box 751, Berkeley, CA 94704</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">Written materials are submitted pursuant
to Rule 14a-6(g)(1) promulgated under the Securities Exchange Act of 1934.&nbsp;Submission is not required of this filer under the terms
of the Rule but is made voluntarily in the interest of public disclosure and consideration of these important issues.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 9pt; background-color: #B8CCE4">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 16pt">Chubb Limited
(CB)</FONT><BR>
<FONT STYLE="font-size: 16pt">Vote Yes: Item #14 &ndash; Shareholder Proposal on Paris Aligned Goals</FONT>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 12pt; font-weight: normal">Annual
Meeting: May 19, 2022&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt">CONTACT: Danielle
Fugere | dfugere@asyousow.org</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; background-color: #B8CCE4"><FONT STYLE="font-size: 13pt">THE
RESOLUTION</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt"><B>BE IT RESOLVED:</B> Shareholders
request that Chubb issue a report, at reasonable cost and omitting proprietary information, addressing whether and how it intends to
measure, disclose, and reduce the GHG emissions associated with its underwriting, insuring, and investment activities, in alignment with
the Paris Agreement&rsquo;s 1.5<FONT STYLE="font-family: Symbol">&deg;</FONT>C goal, requiring net zero emissions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt"><B>SUPPORTING STATEMENT:</B> Shareholders
recommend the report disclose, at board discretion:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 11pt">&middot;</FONT></TD><TD><FONT STYLE="font-size: 11pt">Whether
                                            Chubb<SUP>1</SUP> will begin measuring and disclosing the emissions associated with the full
                                            range of its operations and by when, and</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 11pt">&middot;</FONT></TD><TD><FONT STYLE="font-size: 11pt">Whether
                                            Chubb will set a Paris aligned, net zero target, for its full range of emissions and on what
                                            timeline.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; background-color: #B8CCE4"><FONT STYLE="font-size: 13pt">SUMMARY</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><FONT STYLE="font-size: 11pt">The most recent
IPCC report underscores that climate emissions and climate related risk continue to grow.<SUP>2</SUP> A warming climate poses a major
risk to the stability of the U.S. financial system.<SUP>3</SUP> 2021 was the second-most costly year on record for the world&rsquo;s
insurers according to Munich Re, with insured losses totaling approximately $120 billion from natural catastrophe. The U.S., ravaged
by tornadoes, Hurricane Ida, and freezes in Texas, accounted for an unusually large portion of those losses.<SUP>4</SUP></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>1</SUP> Proponent notes that the
Proposal contained an error in the Supporting Statement in naming Travelers rather than Chubb. Proponent clarifies that the information
requested in the Proposal&rsquo;s Supporting Statement is indeed intended for Chubb.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>2</SUP> https://www.iea.org/news/global-co2-emissions-rebounded-to-their-highest-level-in-history-in-2021</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>3</SUP> https://www.cftc.gov/sites/default/files/2020-09/9-9-20%20Report%20of%20the%20Subcommittee%20on%20Climate-Related%20Market%20Risk%20-%20Managing%20</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt">Climate%20Risk%20in%20the%20U.S.%20Financial%20System%20for%20posting.pdf
p.1</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>4</SUP> https://money.usnews.com/investing/news/articles/2022-01-10/natural-disasters-cost-insurers-120-billion-in-2021-munich-re-says</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 7pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="white-space: nowrap; width: 10%"><IMG SRC="asyousowlogo.jpg" ALT=""><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD STYLE="text-align: left; white-space: nowrap; width: 90%; vertical-align: middle"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 9pt; color: rgb(0,129,61)"><B>2022
Proxy Memo</B></FONT></P>
                                                <P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #00813B"><FONT STYLE="font-size: 10pt; font-weight: normal">Chubb
Limited | Shareholder Proposal on Paris Aligned Goals</FONT></P></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B></B></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><FONT STYLE="font-size: 11pt">Emissions facilitated
by underwriting and investing in high carbon activities and companies adds to the global inventory of emissions, creating a concerning
cycle that increases risk and costs to insurance companies. The insurance industry faces climate-related liabilities on two fronts: investment
risk on the asset side of the balance sheet and underwriting risk, particularly in property and casualty lines, on the liability side.<SUP>5
</SUP>Yet, in 2019, the U.S. insurance industry invested $582 billion in fossil fuel related activities, an <I>increase</I> from $519
billion in 2018.<SUP>6</SUP></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><FONT STYLE="font-size: 11pt">Chubb Limited
(&ldquo;Chubb&rdquo;) remains highly exposed to carbon emissions-intensive industries like oil, gas, coal, and utilities. Chubb is a
leading insurer and investor in fossil fuels, and thus has responsibility for significant Scope 3 financed and insured emissions that
it has not disclosed, nor set targets to reduce.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">Investors seek greater transparency
from Chubb on its emissions and climate strategy related to underwriting and investment activities. Without Chubb measuring and disclosing
its financed emissions, investors cannot fully understand the climate exposure their company faces, especially in relation to other companies.
Additionally, the lack of a plan from Chubb on reducing such emissions indicates to investors that it may not be fully acknowledging
the risks associated with climate change and its contribution to that risk.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><FONT STYLE="font-size: 11pt">Chubb currently
lacks targets and a clear plan to reduce the GHG emissions associated with its underwriting and investment activities in alignment with
the Paris Agreement&rsquo;s 1.5 degree Celsius goal. We urge a &ldquo;Yes&rdquo; vote on this proposal.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; background-color: #B8CCE4"><FONT STYLE="font-size: 13pt">RATIONALE
FOR A YES VOTE</FONT></P>

<P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 11pt">1.</FONT></TD><TD><FONT STYLE="font-size: 11pt">Chubb&rsquo;s
                                            underwriting and investment in carbon-intensive activities increases risk to Chubb, the global
                                            climate, and investor portfolios.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 11pt">2.</FONT></TD><TD><FONT STYLE="font-size: 11pt">Chubb
                                            does not provide shareholders with sufficient analysis and disclosure of whether and how
                                            it will measure, disclose, and reduce the significant GHG emissions associated with its underwriting
                                            and investment activities in alignment with the Paris Agreement&rsquo;s 1.5<SUP>o</SUP> goal.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 11pt">3.</FONT></TD><TD><FONT STYLE="font-size: 11pt">Chubb
                                            compares poorly to peers in addressing the climate impact of its underwriting, insuring and
                                            investment activities.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; background-color: #B8CCE4"><FONT STYLE="font-size: 13pt">DISCUSSION</FONT></P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 11pt"><B>1.</B></FONT></TD><TD><FONT STYLE="font-size: 11pt"><B>Chubb&rsquo;s
                                            underwriting and investment in carbon-intensive activities increases risk to Chubb, the global
                                            climate, and investor portfolios.</B></FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>5</SUP> https://www.spglobal.com/esg/insights/climate-risks-for-insurers-why-the-industry-needs-to-act-now-to-address-climate-risk-on-both-sides-of-the-balance-sheet</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>6</SUP> https://www.spglobal.com/esg/insights/climate-risks-for-insurers-why-the-industry-needs-to-act-now-to-address-climate-risk-on-both-sides-of-the-balance-sheet</FONT></P>

<P STYLE="color: #71C267; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.25in 0pt 0">&nbsp;</P>

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    <TD STYLE="white-space: nowrap; width: 10%"><IMG SRC="asyousowlogo.jpg" ALT=""><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD STYLE="text-align: left; white-space: nowrap; width: 90%; vertical-align: middle"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 9pt; color: rgb(0,129,61)"><B>2022
Proxy Memo</B></FONT></P>
                                                <P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #00813B"><FONT STYLE="font-size: 10pt; color: #00813D"><B></B></FONT><FONT STYLE="font-size: 10pt; font-weight: normal">Chubb Limited | Shareholder Proposal on Paris Aligned
Goals</FONT></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><FONT STYLE="font-size: 11pt">Chubb faces
risk from the escalating effects of climate change. The company&rsquo;s pretax catastrophe losses amounted to $1.15 billion in the third
quarter of 2021, with $806 million of that figure attributable to Hurricane Ida.<SUP>7</SUP> This follows a larger global trend: insured
losses from natural disasters reached $42 billion in the first six months of 2021, a ten-year high.<SUP>8</SUP><BR>
<BR>
Chubb&rsquo;s underwriting and investment decisions contribute to this impact by enabling carbon intensive projects and companies. According
to an Insure Our Future report on insurers&rsquo; exposure to the oil and gas sector, Chubb is one of the top providers of coverage to
the oil and gas industry, surpassing peers such as The Hartford and AXA.<SUP>9</SUP> Additionally, Chubb&rsquo;s bondholding and shareholding
in coal alone amounts to $195 million.<SUP>10</SUP><BR>
<BR></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><FONT STYLE="font-size: 11pt">McKinsey &amp;
Company advises insurers to consider the environmental impact of their investments, just as banks and asset managers are doing, and develop
a plan to shift significant portions of their portfolios to help facilitate a sustainable, decarbonized economy.<SUP>11</SUP> In addition
to long-term climate risk reduction benefits, such a shift can help insurers align with increasingly likely regulatory policies and incentives.<SUP>12</SUP></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><FONT STYLE="font-size: 11pt">In the United
States, pressure is being placed on insurers to account for their climate intensive activities. In September 2020, a group of 60 businesses
wrote to U.S. insurance companies asking them to drop investments in fossil fuels to avoid worsening impacts of global climate change.<SUP>13
</SUP>In March 2021, U.S. Senators wrote to top insurance companies, including Chubb, asking if their fossil fuel underwriting and investment
policies are consistent with its broader commitments to sustainability.<SUP>14</SUP> States are also taking action. For instance, Connecticut
passed a law requiring the state insurance regulator to include emission reduction targets into its review of insurers and the potential
risks they face, highlighting the increased attention government is focusing on the insurance industry&rsquo;s climate responsibility.<SUP>15</SUP></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">Investors as well are increasingly concerned
about the insurance sector&rsquo;s exposure to climate-related impacts and risks. As one example, in April 2020, New York City Comptroller
Scott Stringer, sent letters to insurance companies raising concern over the company&rsquo;s continued underwriting of coal projects
and companies.<SUP>16</SUP></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 11pt"><B>2.</B></FONT></TD><TD><FONT STYLE="font-size: 11pt"><B>Chubb
                                            does not provide shareholders with sufficient analysis and disclosure of whether and how
                                            it will measure, disclose, and reduce the significant GHG emissions associated with its underwriting
                                            and investment activities in alignment with the Paris Agreement&rsquo;s 1.5<SUP>o</SUP> goal.</B></FONT><B><FONT STYLE="font-size: 10pt"><BR>
                                            <BR></FONT></B></TD></TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>7</SUP> https://www.reinsurancene.ws/chubb-sees-q3-net-income-rise-54-despite-1bn-of-catastrophe-losses/</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>8</SUP> https://www.weforum.org/agenda/2021/07/natural-disasters-cost-economic-insurance-2021-extreme-weather-floods-polar-vortex/</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>9</SUP> https://insureourfuture.co/wp-content/uploads/2020/06/InsureOurFuture-Oil-and-Gas-Insuance-Briefing-0620.pdf
p.6</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>10</SUP> https://www.coalexit.org/investor/chubb</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>11</SUP> https://www.mckinsey.com/industries/financial-services/our-insights/climate-change-and-p-and-c-insurance-the-threat-and-opportunity</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>12</SUP> https://www.mckinsey.com/industries/financial-services/our-insights/climate-change-and-p-and-c-insurance-the-threat-and-opportunity</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>13</SUP> https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/businesses-call-on-us-insurers-to-join-global-trend-of-ditching-fossil-fuels-60386527</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>14</SUP> https://us.insure-our-future.com/2021-3-25-senators-whitehouse-warren-merkley-and-van-hollen-call-on-us-insurance-companies-to-act-on-climate-change/</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>15</SUP> https://www.businessinsurance.com/article/20210617/NEWS06/912342605/Connecticut-bill-calls-for-regulation-of-insurers%E2%80%99-climate-risks</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>16</SUP> https://us.insure-our-future.com/2020-4-24-nyc-pension-funds-demand-insurance-giants-sever-ties-to-coal-industry-1/</FONT></P>

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Proxy Memo</B></FONT></P>
                                                <P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #00813B"><FONT STYLE="font-size: 10pt; color: #00813D"><B></B></FONT><FONT STYLE="font-size: 10pt; font-weight: normal">Chubb Limited | Shareholder Proposal on Paris Aligned
Goals</FONT></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">Shareholders continue to be concerned
over the lack of transparency Chubb has shown with regard to disclosing and reducing the full range of its GHG emissions, including the
emissions related to its underwriting and investment activities. The emissions associated with insurers&rsquo; underwriting and investment
activities, often called &ldquo;financed emissions,&rdquo; generally constitute approximately 97% of total emissions, highlighting the
likely scale of Chubb&rsquo;s Scope 3 financed emissions.<SUP>17</SUP></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">The United Nations Environment Program
Finance Initiative (UNEP FI) states that financial institutions must set a benchmark for credible net zero commitments, including Scope
3 emissions; it further underscores that &ldquo;addressing emissions associated with financial institutions&rsquo; underlying portfolio
exposures (companies, projects, etc.) is a top priority.<SUP>18</SUP> Chubb has not assessed or disclosed the emissions associated with
its underwriting or investment activities, leaving both the company and investors with insufficient knowledge of the climate intensity
of the company&rsquo;s underwriting and investment portfolios. This makes it difficult for the company to effectively address such emissions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">The U.S. Securities and Exchange Commission
recently released a proposed rule to enhance and standardize climate-related financial disclosures for investors. The proposed rule requires
companies to disclose their greenhouse gas emissions, including material Scope 3 emissions. Given that the bulk of Chubb&rsquo;s emissions
are in its Scope 3 financed emissions, Chubb must begin planning for how it will measure and disclose such emissions, and along what
timelines.<SUP>19</SUP></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">The Partnership for Carbon Accounting
Financials&rsquo; global greenhouse gas accounting and reporting standard for the financial industry is intended to be used by insurance
companies for calculating the emissions associated with their investments.<SUP>20</SUP> In September 2021, Liberty Mutual became the
first U.S. insurer to sign on to PCAF.<SUP>21</SUP> Work is currently underway by PCAF to establish a formal methodology for better measuring
emissions associated with underwriting activities. These examples highlight that leaders in the insurance industry are actively working
to measure and disclose their insured emissions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">Currently, Chubb discloses, and has
set a goal to achieve carbon neutrality for only its Scope 1 and 2 operational emissions through a combination of renewable energy and
carbon offset purchases.<SUP>22</SUP> While a minimal step in the right direction, its Scope 1 and 2 emissions constitute a very small
percentage of its overall climate change emissions. By failing wholesale to address the most material segment of the company&rsquo;s
greenhouse gas contributions &ndash; its financed emissions &ndash; it cannot be considered to be Paris aligned. Moreover, Chubb&rsquo;s
reliance on offsets is problematic. The CA100+ investor developed benchmark, the Science Based Targets Initiative (&ldquo;SBTi&rdquo;),<SUP>23
</SUP>and the Net Zero Insurance Alliance<SUP>24</SUP> all hold that offsets are not an appropriate way to meet decarbonization goals,
except in limited instances. Instead, companies must focus on directly reducing their Scope 1-3 emissions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>17</SUP> https://g20sfwg.org/wp-content/uploads/2021/10/2021-UNEP-FI.-Recommendations-for-Credible-Net-Zero-Commitments.pdf
p.7</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>18</SUP> https://g20sfwg.org/wp-content/uploads/2021/10/2021-UNEP-FI.-Recommendations-for-Credible-Net-Zero-Commitments.pdf
p.7</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>19</SUP> https://www.sec.gov/news/press-release/2022-46</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>20</SUP> https://carbonaccountingfinancials.com/files/downloads/PCAF-Global-GHG-Standard.pdf
p.16</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>21</SUP> https://www.prnewswire.com/news-releases/liberty-mutual-insurance-commits-to-50-reduction-of-scope-1-and-2-global-emissions-by-2030-301375345.html</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>22</SUP> https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/about-chubb/environment/doc/Chubb_2021_Climate-Related_Financial_Disclosure_and_Environmental_Report.pdf
p.5</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>23</SUP> https://sciencebasedtargets.org/resources/files/Net-Zero-Standard.pdf
p.10</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>24</SUP> https://www.unepfi.org/psi/wp-content/uploads/2021/07/NZIA-launch-press-release.pdf</FONT></P>

<P STYLE="color: #71C267; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.25in 0pt 0">&nbsp;</P>

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                                                <P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #00813B"><FONT STYLE="font-size: 10pt; color: #00813D"><B></B></FONT><FONT STYLE="font-size: 10pt; font-weight: normal">Chubb Limited | Shareholder Proposal on Paris Aligned
Goals</FONT></P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 11pt"><B>3.</B></FONT></TD><TD><FONT STYLE="font-size: 11pt"><B>Chubb
                                            compares poorly to peers in addressing the climate impact of its insuring activities.</B></FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in"><FONT STYLE="font-size: 11pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">Chubb is quickly becoming a laggard
in comparison to its peers as the global insurance sector gains momentum toward the net zero transition. Chubb has not set emission reduction
targets for its underwriting and investment activities. Further, Chubb scored in the bottom half in a survey of the 30 largest global
insurers, due largely to its lack of restrictions on fossil fuel underwriting and investments.<SUP>25</SUP><BR>
<BR>
Comparatively, the global insurance and financial community is beginning to embrace net zero commitments. Members of the Net Zero Insurance
Alliance (NZIA) have made an overarching commitment to reach net zero emissions from their insurance and reinsurance underwriting portfolios
by 2050.<SUP>26</SUP> The NZIA currently has 22 members, seven of which are in the top 30 largest global insurers by market cap.<SUP>27</SUP><BR>
<BR>
In March 2021, American International Group (AIG) committed to achieving net zero greenhouse gas emissions across its global underwriting
and investments portfolios by 2050, or sooner. This includes a commitment to using science-based emission reduction targets, aligning
with the latest climate science to meet the goals of the Paris Agreement, and commitments to prohibit and phase out a range of coal,
oil sand, and Arctic investment and underwriting activities.<SUP>28</SUP> Recently, The Hartford also announced a goal to achieve net
zero emissions &ldquo;for its full range of businesses and operations&rdquo; by 2050.<SUP>29</SUP><BR>
<BR>
Lloyd&rsquo;s, the world&rsquo;s largest insurance marketplace, recently announced it is joining the UN-convened Net Zero Insurance Alliance
(NZIA), further affirming its commitment to cross-industry collaboration to mitigate and manage the impacts of climate change and support
the speed of the transition to net zero.<SUP>30, 31</SUP></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>&nbsp;</SUP></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; background-color: #B8CCE4"><FONT STYLE="font-size: 13pt">RESPONSE
TO CHUBB BOARD OF DIRECTORS&rsquo; STATEMENT IN OPPOSITION</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">Chubb states that its TCFD report fully
responds to the request of this Proposal. While Chubb does discuss its emission reduction goals for its Scope 1 and 2 emissions, it lacks
information on its financed and insured emissions, thus missing the central question of this Proposal. Moreover, even Chubb&rsquo;s existing
reduction target &mdash; a 40% reduction in operational emissions by 2035, misses the mark of the 50% reduction necessary by 2030 to
be considered aligned with Paris goals in the near term.<SUP>32</SUP></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>25</SUP> https://insure-our-future.com/scorecard</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>26</SUP> https://www.unepfi.org/net-zero-insurance/</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>27</SUP> https://companiesmarketcap.com/insurance/largest-insurance-companies-by-market-cap/</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>28</SUP> https://aig.gcs-web.com/node/53226/pdf</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>29</SUP> https://newsroom.thehartford.com/newsroom-home/news-releases/news-releases-details/2022/The-Hartford-Announces-Goal-Of-Net-Zero-Greenhouse-Gas-Emissions-For-All-</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt">Operations-By-2050/default.aspx</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>30</SUP> https://www.unepfi.org/net-zero-insurance/</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>31</SUP> https://www.lloyds.com/about-lloyds/media-centre/press-releases/lloyds-joins-the-net-zero-insurance-alliance-and-becomes-part-of-the-glasgow-financial-alliance-for-net-zero</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt"><SUP>32</SUP>https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/about-chubb/environment/doc/Chubb_2021_Climate-Related_Financial_Disclosure_and_Environmental_</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt">Report.pdf p.4</FONT></P>

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<P STYLE="font: 7pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <TD STYLE="white-space: nowrap; width: 10%"><IMG SRC="asyousowlogo.jpg" ALT=""><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD STYLE="text-align: left; white-space: nowrap; width: 90%; vertical-align: middle"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 9pt; color: rgb(0,129,61)"><B>2022
Proxy Memo</B></FONT></P>
                                                <P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #00813B"><FONT STYLE="font-size: 10pt; color: #00813D"><B></B></FONT><FONT STYLE="font-size: 10pt; font-weight: normal">Chubb Limited | Shareholder Proposal on Paris Aligned
Goals</FONT></P>
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</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B></B></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">The Company states, &ldquo;Chubb announced
its support for a global transition to a net zero economy by 2050 and we have acknowledged our responsibility to take action to support
and encourage this transition . . . Our underwriting, risk engineering, investment, and philanthropic actions reflect this reality as
Chubb seeks to accelerate the transition away from fossil fuels.&rdquo; Unfortunately, Chubb does not specify the actions or quantify
the reductions associated with these general categories. While Chubb does discuss its decision to exit certain coal transactions, a first
step toward reducing its Scope 3 emissions, it lacks a comprehensive climate strategy tied to reducing the emissions associated with
its full range of underwriting and investing activities. Chubb also leaves investors in the dark on whether it intends to bring climate
into its underwriting and investment decisions, if at all, and whether it is acting to achieve greenhouse gas emissions reductions for
those emissions aligned with the Paris Agreement&rsquo;s 1.5 degree objectives.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">Chubb says it &ldquo;assesses each risk
presented on an individual basis, including risks associated with climate change, and makes underwriting decisions accordingly,&rdquo;
but gives no indication if GHG emissions reductions fall into this risk assessment.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">The Company states &ldquo;the proposal
should be rejected because it would be impossible for Chubb to undertake such a task . . . We are not aware of any method by which we
could reasonably measure the GHG emissions of our insureds.&rdquo; Chubb&rsquo;s statement demonstrates an almost willful ignorance of
the reality and responsibility of climate change. While the measurement of greenhouse gas emissions remains imperfect, a variety of measurement
tools and models exist that our company could use to measure and/or estimate the largest sources of emissions associated with its underwriting
and investment activities and prioritize greenhouse gas reductions in those areas. It could also require greenhouse gas emissions data
from its high carbon clients as a condition of underwriting. It could join PCAF or the Net Zero Insurance Alliance, entities that are
working on a more precise methodology for measuring and reporting emissions. Other insurers are already disclosing their Scope 3 greenhouse
gas emissions and setting net zero targets, demonstrating that it is possible to do so. Banks have been on a similar learning curve in
measuring their own financed emissions and setting 1.5 degree aligned net zero and interim greenhouse gas reduction goals for their financed
emissions, demonstrating that measuring financed emissions for underlying company activity is possible.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; background-color: #B8CCE4"><FONT STYLE="font-size: 13pt">CONCLUSION</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt"><B>Vote &ldquo;Yes&rdquo; on this Shareholder
Proposal. </B>Chubb&rsquo;s underwriting and investing activities are climate intensive, set clear goals to reduce its greenhouse gas
emissions footprint in line with the Paris 1.5<SUP>o</SUP>C goal, and it is currently lagging peers on climate action. Chubb does not
give shareholders full transparency on its climate footprint and lacks a roadmap for how it plans to transition successfully to a low
carbon economy. We urge a &ldquo;Yes&rdquo; vote on this resolution.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt"><B><I>--</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt"><I>For questions, please contact Danielle
Fugere, As You Sow, dfugere@asyousow.org </I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 11pt">THE FOREGOING INFORMATION MAY BE DISSEMINATED
TO SHAREHOLDERS VIA TELEPHONE, U.S. MAIL, E-MAIL, CERTAIN WEBSITES AND CERTAIN SOCIAL MEDIA VENUES, AND SHOULD NOT BE CONSTRUED AS INVESTMENT
ADVICE OR AS A SOLICITATION OF AUTHORITY TO VOTE YOUR PROXY. THE COST OF DISSEMINATING THE FOREGOING INFORMATION TO SHAREHOLDERS IS BEING
BORNE ENTIRELY BY ONE OR MORE OF THE CO-FILERS. PROXY CARDS WILL NOT BE ACCEPTED BY ANY CO-FILER. PLEASE DO NOT SEND YOUR PROXY TO ANY
CO-FILER. TO VOTE YOUR PROXY, PLEASE FOLLOW THE INSTRUCTIONS ON YOUR PROXY CARD<I>.</I></FONT></P>

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
