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Most of us think about life insurance as death cover - money paid out to the life insured's nearest and dearest when they die.

But in reality life insurance is much more than this.

There are many other illness and injury related risks we all face, ranging from minor conditions that leave us unable to work for a few weeks or months, through to critical illnesses such as heart attack, cancer and stroke, or disablement so severe you are unable to work ever again.

Our life insurance plans aim to protect you and those closest to you from the financial effects of these risks. Whether you're looking to pay off the mortgage if you die, or provide financial support for your family if you're too ill to work, we may have just the life insurance plan you're looking for.

And with the right life insurance in place, your loved ones won't have to worry about money when money is the last thing they want to worry about.

Did you know?

 

64% of parents have no life   
cover 1 

 

of parents have no critical illness   
cover 1

 

of parents have no income   
protection 1  

Source: 1 LV= Cost of a child report 2013

Help make sure you and your family are financially protected with life insurance. It could pay out a cash sum if you die or are diagnosed with a critical illness during the length of the plan, which means peace of mind for you and protection for them.

Our life insurance plans at a glance

Level Protection Plan

Our Level protection Plan may be right for you if you're looking for financial protection for your family or business if you die or are diagnosed with a terminal illness.

You can add critical illness cover to help protect you and your family if you're diagnosed with a critical illness and payment protection benefit cover to help protect your income if you can't work because of illness or injury.

The protection you get will depend on the type of cover you choose when you start your plan.

 Find out more about this plan's features, aims, risks and commitments

 How to apply


Decreasing Mortgage Cover Plan

Our Decreasing Mortgage Cover Plan may be right for you if you have a repayment mortgage or loan and you want to make sure the debt is repaid if you die or are diagnosed with a terminal illness.

You can add critical illness cover to help protect you and your family if you're diagnosed with a critical illness, and payment protection benefit cover to help protect your income if you can't work because of illness of injury.

The protection you get will depend on the type of cover you choose when you start your plan.

 Find out more about this plan's features, aims, risks and commitments

 How to apply


Adaptable Life Plan

Our Adaptable Life Plan may be right for you if you want to provide a cash sum for your family whenever you die or are diagnosed with a terminal illness at any time.

 Find out more about this plan's features, aims, risks and commitments

 How to apply


Income Protection Plan

Our Income Protection Plan may be right for you if you need a regular income to replace some of your earnings if you can't work because of illness or injury, whether you're employed or self-employed.

It may also be right for you if you have a business where the loss of a key person, due to illness or injury, will affect your ability to generate income and profit.

 Find out more about this plan's features, aims, risks and commitments

 How to apply

Please contact your financial adviser to apply.


How to apply for life insurance, provided by Zurich Assurance Ltd



Advice from the experts

It's important you make the right decisions when you choose your life insurance.

If you are interested in applying for one of our plans but don't yet know which insurance is right for you, your first step should be to speak to a financial adviser to get advice. They will help you make sure the plan is suitable for you and help you through the application process. Bear in mind, you may have to pay for the advice you receive.

If you don't have an adviser, you can find one in your area at www.unbiased.co.uk 2

 Find out more about getting financial advice.


Online application1

If you know which insurance is right for you, get a quote now from one of the Price Comparison Sites2 with our very latest online application technology:

 

[Zurich is not responsible for the content of external websites]

Make yourself comfortable, as you’ll need to complete a simple online questionnaire, which should take about 15 minutes3. We’ll collect information about your health and lifestyle.

Our focus is to give you an instant decision online about your insurance, although in some circumstances we may need to request further medical information. Should this happen we will always ask for your permission before doing so.

Don’t be put off if you have a specific medical condition. It’s quite likely you can still get insured as we offer insurance to 96 out of every 100 applicants4

And if you or your family make a claim, be assured that we pay 99%4 of life insurance claims. Our UK based team will guide you or your family through the claim with care and understanding.

1 Only Term Insurance and Critical illness Insurance (incl. Term Insurance) and whole of life Insurance is available via an online application
2 Zurich is not responsible for the content of external websites
3 Zurich test experience December 2014
4 Zurich Underwriting and Claims data 2013

It makes sense to get advice from a financial adviser if you're looking for a plan that's tailored to your specific needs and goals.

A financial adviser will also have the expertise and up-to-date knowledge to help find you better options.  Bear in mind, you may have to pay for any advice you receive.


Why you should seek advice

Working with a financial adviser who is authorised by the Financial Conduct Authority (FCA) can:

  • give you impartial advice to make sure you get the best deal, whether it's a Zurich product or not

  • help you gather all the information you need

  • help you understand all the little details and things you need to consider

  • work with you throughout the lifetime of the plan to make sure it still meets your needs

  • give you a greater level of protection if things go wrong. If an FCA-authorised firm gives you advice that's wrong for your circumstances, there's a system to resolve complaints and, if necessary, put things right.

Preparing for your visit with a financial adviser

It's a good idea to prepare before you speak to a financial adviser. For a start, take a look at 'Things to consider before you speak to a financial adviser'


If you haven't got a financial adviser, you can find one near you at www.unbiased.co.uk [Zurich is not responsible for the content of external websites]


While you can manage your plan yourself, it's a good idea to look at your plan with your financial adviser once a year, or more often if you hit one of life's big events.

You can arrange changes and update your plan here.

Tools and information you might find useful

Protect you and your loved ones from loss of income

See how income protection insurance can provide a financial safety net if you are unable to work through serious illness or accidental injury.

Running a family calculator

Use our calculator to get an idea of how much it could cost if help was needed.

Life's little treats calculator

Protecting your family and lifestyle is vital but how do you make it affordable?

Protect your family against financial effects of a serious illness

See how critical illness insurance can provide security and peace of mind against the financial effects of you being diagnosed with a serious illness.

Living cost calculator

How much money do you have left over at the end of the month? Not a lot? Use our calculator to see how much you may need to protect.

 

Your privacy is important to us - data protection

Our Data Protection leaflet tells you why we ask you questions, what we do with the information you give us and how we protect your privacy. It also explains your rights under the Data Protection Act 1998.