Zurich Life Insurance
Learn how Zurich life insurance works, the cover options available and their rewards.
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Who is Zurich?
Zurich started back in 1872 and is now one of the world’s leading insurance companies.
They help protect people in more than 200 countries and territories and has more than 65,000 employees worldwide.
Their innovative approach encourages healthier habits. This could lead to fewer life insurance and critical illness claims over time, benefiting everyone.
Want to talk to our friendly team? Get your life insurance quotes here.
What life insurance products do
Zurich offer?
Level Term Life Insurance
You pay a fixed amount each month, and your cover amount stays the same for the whole policy term. If you pass away during this time, your loved ones receive an agreed cash lump sum. This can help with expenses like:
Increasing Term Life Insurance
Increasing life insurance helps your cover keep up with rising living costs. The cover amount increases each year, to tackle the effects of inflation, so your payout and premiums keep pace with the cost of living. This way, the value of your policy stays in step with price rises, so your loved ones are better protected against the effects of inflation. If you prefer, you can usually switch to level cover at any time.
Decreasing Term Life Insurance
Decreasing life insurance is for people with a repayment mortgage, which is why it’s often called mortgage cover. The cover amount goes down over time, roughly matching your mortgage balance, but your monthly payments stay the same. If you die during the policy term, your family receives a cash lump sum to help pay off the mortgage or other similar debts. Just keep in mind, if your mortgage rate goes up and outpaces your policy’s rate, your cover might not fully match your outstanding mortgage, so it’s a good idea to check that your cover amount and term are right for your needs.
Critical Illness Cover
Critical illness is both a standalone policy and can be taken out alongside life insurance. It covers you should you become critically ill (Critical Illness Glossary) during the policy term and, the illnesses covered will vary by insurer. The pay-out can be used to cover medical treatment expenses, bills, childcare and anything else you may need. Aviva’s Critical illness cover also covers your children should they become critically ill.
Hugo’s helpful notes:
Not all Zurich cover options are available through Protect Line. We offer a non-advised service to help compare options from a select panel of insurers and provide you with information for you to make an informed decision.
Benefits of insuring with Zurich
Zurich policies and life plans offer extra benefits, so the people they cover are supported not just if they die, but in everyday life as well.
Zurich’s separation benefit for joint policies
Zurich’s separation benefit comes with every joint life policy. If you and your partner split up, you can cancel your joint policy and each take out your own individual policy without having to give new health information.
Additional cover for your children
Children’s cover is only available if you have both life cover and critical illness with Zurich. If you add this, your children are protected if they’re diagnosed with one of 41 serious illnesses. Zurich will pay you up to £25,000, or half of your lump sum (whichever is less), to help support your child.
Zurich’s multi-fracture cover add-on to life cover
Zurich’s multi-fracture cover is an optional extra you can add to life cover or life cover with critical illness. It pays you up to £6,000 as a cash lump sum if you break a bone, dislocate a joint, or tear certain ligaments or tendons, depending on your injury. Please check Zurich’s T&Cs to see what types of injuries are not covered, and which sports related injuries will not be eligible for a claim.
Access to Zurich Support Services for you and your family
Zurich Support Services comes with all their life, critical illness, and income protection policies. If you’re having a hard time in life or at work, you can use these services to talk to a professional about whatever’s on your mind.
Changing your policy details at no extra cost
Zurich offer a guaranteed insurability option which means you may be able to make changes to your plan for free. If your life changes and you want more cover, you can increase it, your payments will go up, but you don’t have to give any new health or medical information. You will need to review your policy documents to see if you can make changes.
Zurich pledges to plant one tree for every life policy
Zurich plants a tree for every life insurance policy bought. Since 2024, they’ve planted over half a million trees. When you get a policy, you’ll get an email with simple steps, just follow them, and their partner will plant a tree for you. It’s their way of helping the planet.
Join over 500,000 UK families who’ve taken out Life Insurance with Protect Line
Life insurance gives your family financial protection if something happens to you. It can help with mortgage payments, bills, and everyday costs. Protect Line compares quotes from top insurers like Zurich to find the right cover for your family’s needs
Get your Zurich life insurance quotes today.
Why choose Zurich?
Protect Line is a non-advisory broker, so we do not make recommendations on which insurer to choose. Instead, we provide the facts and key details, so you can make an informed decision. Here’s some extra info about Zurich you might find helpful:
For more information on Zurich policies, fill out our online quote form or call 0333 880 3030 to speak with our friendly agents.
