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Zurich Life Insurance [REVIEW]

Who Are Zurich?

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.

Samantha Haffenden-Angear, Independent Protection Expert at Drewberry

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.

Samantha Haffenden-Angear
Independent Protection Expert at Drewberry

Zurich Life Insurance

Policy Overview

  • Zurich offers an unlimited maximum Life Insurance benefit, so you can choose however much cover you need.
  • Multi Fracture Cover available for an extra premium. This pays £2,000, £4,000 or £6,000 depending on your injury if you suffer a specified fracture / dislocation, rupture an achilles tendon or tear a cruciate ligament.
  • Opt to pay extra for Critical Illness Cover, which pays out in full if you develop one of 40 conditions.


Zurich Life Insurance - Key Facts

Zurich Life Insurance – Decreasing Policy Terms

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What Does Zurich Life Insurance Cover?

Zurich Life Insurance Coverage

Maximum Benefit

  • Life Insurance: Unlimited
  • Life and Critical Illness Cover: £5 million
  • Critical Illness Cover With Total Permanent Disability: £2 million

Type of Cover Available

Minimum Entry Age


Maximum Entry Age

  • Life Insurance: 83
  • Life and Critical Illness Cover: 69

Terminal Illness Cover?

Joint Cover?

Joint life first death only

Premium Type

  • Guaranteed
  • Annually escalating (for fixed increasing / index-linked cover)

Waiver of Premium


Optional Critical Illness Cover

Conditions Covered

  • 40 in full as standard
  • Plus the lower of £25,000 or 25% of your benefit for less advanced breast and prostate cancer
  • An advanced payout once you’re on an NHS waiting list for 1 of 7 qualifying surgeries included in the above 40 conditions so you don’t have to wait until your surgery to get your benefit

Critical Illness Select

For an extra premium (💷), you can choose Zurich’s Critical Illness Select policy. This pays out:

  • In full for a further 11 conditions
  • The lower of £25,000 or 25% of your benefit for a further 46 conditions
  • An advanced payout while you’re on an NHS waiting for 1 of 9 qualifying surgeries included in the above 51 conditions so you don’t have to wait until your surgery to get your benefit
  • An uplift of the lower of £100,000 or 100% of your benefit if you develop one of four neurological conditions or one of six traumas
  • £5,000 if you suffer one of five pregnancy-related complications

Survival Period

10 days

Children’s Cover?

An optional add-on to a standard policy for an extra premium (💷) covering your child(ren) from birth to age 22, paying:

  • The lower of £25,000 or 50% of your benefit if your child develops any of the adult conditions the policy covers
  • The lower of £25,000 or 25% of your benefit if your child develops one of the adult additional conditions
  • £5,000 as a death benefit if your child dies between 30 days old and their 22nd birthday

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:

  • The lower of £25,000 or 50% of your benefit if your child develops any of the policy’s 51 adult conditions
  • The lower of £25,000 or 25% of your benefit if your child develops any of the policy’s 46 additional adult conditions
  • An uplift of the lower of £25,000 or 50% of your benefit if your child meets the criteria for overseas treatment (the child can’t access UK-based treatment for critical illness that’s will cure / prevent deterioration and treatment that’s effective, curative or prevents deterioration is available abroad)
  • An uplift of the lower of £25,000 or 50% of your benefit if your child develops an advanced cancer
  • A £5,000 death benefit if your child dies between 24 weeks gestation and their 22nd birthday
We have taken care to ensure that the information on this Drewberry owned website is accurate. However we can give no guarantee as to the accuracy of the content of the site. We accept no liability for any losses whether direct or indirect arising from errors on our part.

Key Benefits With Zurich Life Insurance

Milestone Benefit / Guaranteed Insurability

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:

  • Marriage / civil partnership
  • Divorce / dissolution of a civil partnership
  • Childbirth / adoption
  • Increasing your mortgage to purchase a home, move house or improve your home
  • Increasing your salary by 10%+ after getting promoted / moving jobs.

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.

Separation Benefit

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:

  • Be one of the lives the policy covers
  • Both agree to cancel the policy
  • Be within the age limits for taking out a policy
  • Each meet the minimum premium requirements with your separate policy
  • Notify Zurich of your wish to use this option within 90 days of the divorce / separation / dissolution.

Unlimited Maximum Life Benefit

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.

Zurich Life Insurance Can Be Fixed or Indexed Increasing

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:

  • Fixed increasing cover
    Your benefit will rise by either 3% or 5% each year. To compensate for this, if you’ve chosen for your benefit to rise by 3% your premiums will rise by 4.5%. If you opt for the 5% increase, your premiums will rise by 6.5%.
  • Indexed increasing cover
    Your benefit rises each year in line with Retail Prices Index (RPI) inflation, capped at 10% each year. To compensate for this, your premiums will rise by 1.5% for every 1% increase in your benefit.

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 Multi Fracture Cover for an Extra Premium

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.

Additional Benefits With Zurich Life Insurance

Zurich Support Services

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:

  • Daily worries
    For example, looking for a job, debt management, household bills and consumer rights
  • Big life events
    For example, wedding planning, separation / divorce, dealing with bereavement or moving home
  • Emotional support
    For example, coping with anxiety or depression, living with illness / disability or revisiting life goals
  • Work
    For example dealing with pressure or stress, gaining work / life balance, workplace bullying / harassments and employment rights

Multi Fracture Cover

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.

Funeral Benefit

Zurich will advance up to £10,000 of your benefit to cover funeral costs if probate causes delays in your payout.

Key Comparison Points

Minimum Entry Age of 16

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.

Advanced Surgery Payments

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.

Option to Add Multi Fracture Cover

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.

Minimal Free Additional Benefits

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.

No Child Cover As Standard

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.

Stillbirth / Foetal Death in Utero Cover Costs Extra

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.

No Total Permanent Disability Cover As Standard

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.

Compare Life Insurance Quotes & Get Expert Advice

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.

Why Speak to Us?

We started Drewberry™ because we were tired of being treated like a number.

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 help@drewberry.co.uk.

Very helpful from start to finish. Talked through all the points and gave great advice.

Darren Comer
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