Zurich was founded in Switzerland in 1872 and is now one of the worlds largest companies. It operates in more than 215 countries and territories and employs around 55,000 people worldwide.
As a leading multi-line insurer, on top of Life Insurance it provides Income Protection policies and a range of other wealth-related services.
Zurich has won multiple awards for outstanding service and insurance products, including consecutive awards from FT Adviser for its online customer service.
Zurich Life Insurance comes under its Personal Protection umbrella. It’s a comprehensive Life Insurance policy with an unlimited maximum benefit.
It also offers the flexibility of being able to add Fracture Cover to the policy for an extra premium, something few life insurers offer.
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Zurich Life Insurance Coverage
Type of Cover Available
Minimum Entry Age
Maximum Entry Age
Terminal Illness Cover?
Joint life first death only
Waiver of Premium
Optional Critical Illness Cover
Critical Illness Select
For an extra premium (💷), you can choose Zurich’s Critical Illness Select policy. This pays out:
An optional add-on to a standard policy for an extra premium (💷) covering your child(ren) from birth to age 22, paying:
Enhanced Child Cover
An optional add-on for an extra premium (💷) only with Critical Illness Select. Unless stated otherwise, it covers children from birth to age 22, paying:
Zurich calls its guaranteed insurability option Milestone Benefit. This lets you increase your benefit within 90 days of certain life events without providing further medical evidence.
You must be under 54 (if it’s a joint policy, you both must be under 54) and have at least 12 months left on your policy.
These life events include:
The maximum benefit increase is the lower of £200,000 or your original benefit, except for mortgage increase or salary increase.
For mortgage increase, Zurich caps the benefit increase at the total outstanding mortgage on your main home. For salary increase, the most you can increase your benefit by is the percentage increase in your salary.
For couples with a joint policy who separate, divorce or dissolve their civil partnership, you can split your joint policy into two separate ones without further medical evidence.
To use this option, you must:
Zurich Life Insurance policies have no limit on the maximum benefit available. That means you can choose a sum of your choosing as you require.
With Zurich Life Insurance, you can opt for increasing cover. This sees your benefit rise each year so that inflation doesn’t erode its purchasing power.
You have the option to choose either:
With increasing cover, your Life Insurance benefit cannot rise past £40 million. Your Life and Critical Illness Insurance benefit cannot rise beyond £5 million (£2 million with Total Permanent Disability cover).
Add Zurich’s Multi Fracture Cover to your Life Insurance policy for an extra premium. This pays out either £2,000, £4,000 or £6,000 depending on your injury if you suffer a fracture, dislocation, tendon rupture or ligament tear from a set list.
Zurich Support Services aims to offer support for a variety of life events via a telephone helpline available 24 / 7 / 365.
The service is split into four key areas, offering help with:
For an extra premium, you can choose to add Multi Fracture Cover to your Zurich Life Insurance or Zurich Life and Critical Illness policy.
This pays out either £2,000, £4,000 or £6,000 depending on the injury. It covers not just fractures but also certain dislocations, as well as ruptures to your Achilles tendon or tears in the cruciate ligament in your knee.
You can claim multiple times a year up to a maximum annual benefit of £6,000.
There are certain exclusions, such as those sustained during BMX / mountain biking, boxing, Gaelic football, horse riding, hurling, martial arts, cage fighting, motor car / motorcycle sport, rugby or shinty.
Zurich will advance up to £10,000 of your benefit to cover funeral costs if probate causes delays in your payout.
Zurich Life Insurance lets you take out cover from the age of 16, while most other insurers impose a minimum age of 18.
16 is the youngest minimum age available, which therefore makes Zurich a good option for younger people seeking Life Insurance.
As with most other insurers, some of the critical conditions / injuries Zurich pays out for are actually surgeries. For example, it pays out for aortic graft surgery, major organ transplant and heart valve replacement / repair.
Rather than waiting until you have the operation to pay out, Zurich pays out early as soon as you’re on the NHS waiting list for your procedure.
Add Multi Fracture Cover for an extra premium. Few other Life Insurance providers offer the option to include fracture cover — it’s more common on Income Protection policies.
Furthermore, Multi Fracture Cover also includes cover for certain dislocations, ruptured tendons and cruciate ligament tears, not just fractures. This is unique among fracture cover offerings.
Zurich Support Services, which offering help and counselling for a range of issues, is actually a fairly minimal set of free benefits.
For example, many other insurers include access to digital GP services or other more tangible benefits with their Life Insurance policies.
Children’s Critical Illness Cover is an optional add-on for an extra premium. It’s not included free as standard with adult cover.
While this does mean you don’t pay for a service you won’t use if you don’t have children, many other providers offer it free. If you have children or plan to start a family, this is worth noting.
Furthermore, not only is child cover an optional addition to adult Critical Illness Cover for an extra premium, but it doesn’t include cover for stillbirth or foetal death in utero.
It’s not until you pay for a Critical illness Select policy and include Enhanced Children’s Benefit that you get coverage. This provides a payout of £5,000 from the 24th week of your pregnancy.
Total Permanent Disability Cover is part of Critical Illness Insurance. It pays out if you become so completely and totally disabled through illness or injury that you can’t ever work again.
It’s an optional extra with Aviva’s Critical Illness Cover for an extra premium. It’s not one of the critical illnesses the policy covers automatically. However, some Life and Critical Illness Insurance providers do include this free as standard.
As you can see, when you compare Life Insurance providers and policies there are many points to consider. With so many factors and lots of different terminology at play, it can be tricky to do an accurate like-for-like comparison between providers.
We have a team of expert regulated advisers that are on hand to help you find the best life insurance for your circumstances.
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We all deserve a first class service when it comes to issues as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.
For help and fee-free Life Insurance advice, please don’t hesitate to get in touch. Pop us a call on 02084327333 or email firstname.lastname@example.org.
Very helpful from start to finish. Talked through all the points and gave great advice.