Life Insurance

99% of our death claims paid in 2017

'Up to £100 in vouchers when you buy Zurich life insurance - use 'LIVETO100' when you apply. Terms & conditions apply.

Why Zurich Life insurance?

It's important to financially protect yourself and those closest to you. And with the right cover in place, you and your loved ones won't have to worry about money when it's the last thing on your minds.


In 2017, we paid out on 99% of our death claims


Terminal illness benefit pays if you have less than a year to live


Fixed rather than reviewable payments on selected plans


Automatic critical illness cover for children on selected plans

Level Protection Plan

A life insurance plan - with optional critical illness cover - designed to protect you, your family, an interest-only mortgage or loan, or a business. The protection you get will depend on the type of cover you choose when you start your plan.

Key features document

Decreasing Mortgage cover

A life insurance plan with optional critical illness cover to help protect a repayment mortgage or loan with decreasing debt over time.

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

The plan can cover joint lives and provides your children with free Critical illness cover if you choose to add it for yourself. If you add Payment Protection Benefit it will provide you with an income if you can’t do your own occupation due to injury or illness up to age 65.

Key features document

Income Protection Plan

Provides a regular income to partially replace your earnings if you can't work because of illness or injury, whether you're employed or self-employed. You decide the amount of protection, when it starts and when it ends.

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.

Key features document

Adaptable Life Plan

Provides a cash sum for you and your family when you die or are diagnosed with a terminal illness at any time. The protection you get will depend on the type of cover you choose when you start the plan.

The plan can cover joint lives with the option to pay out after one or both of you die. You can also increase your cover if your needs change as well as using the plan for inheritance tax or funeral planning.

Key features document

What about Critical illness cover?

Doctors discussing a patient chart

What is it?

This cover is only available with Level Protection Plan and Decreasing Mortgage Cover and pays out a cash sum if you get one of the illnesses covered. There are 85 illnesses insured on the plan including cancer, heart attack and stroke.

Remember that not all illnesses are covered, find out more from our Critical illness plans document.

Happy family playing football in garden

What other options are there?

On selected plans you can also add Total Permanent Disability cover, Payment Protection Benefit and Waiver of Contribution Benefit at extra cost. Please see the Key Features Document for more information.

Remember, with all plans you’ll have access to free, professional counselling support for you and your immediate family.

Voucher Offer

About the Offer

Buy life insurance online using code 'LIVETO100' and we'll give you up to £100 in Love2Shop vouchers. You can use these vouchers in 1,000s of shops, restaurants and attractions.

We calculate the value of your vouchers as the combined value of your first six months payments, rounded down to the nearest £5, to a maximum value of £100. The vouchers will be issued after your sixth payment and you have completed your registration.

Here's the full list of retailers

We are not responsible for the content of other websites

What does the offer apply to?

This offer applies to the following plans taken out directly with us through this website up to and including 1st August 2018.

Plan must start before 1st February 2019 for the offer to apply.

  • Level Protection Plan 
  • Decreasing Mortgage Cover
  • Whole of Life Insurance - Adaptable Life Plan

Use code ‘LIVETO100’ when you apply. Vouchers issued after sixth payment.

Receiving your vouchers

Love2Shop vouchers will be emailed to the planholder’s email address only.

After we've received your 6th monthly payment we'll send you an email (within 28 days) so you can register your Love2Shop vouchers.

You will have 28 days to complete your registration.

Once registered, your Love2Shop vouchers will be emailed within 14 days.

The legal bit

i. The Promoter of this offer is Zurich Assurance Ltd The Grange, Bishops Cleeve, Cheltenham, GL52 8XX.

ii. Plans must start before 1st February 2019.

iii. This offer is only available when no other promo code is used.

iv. This offer excludes plans taken out over the telephone, through price comparison/cash back websites or third parties such as financial advisers/brokers.

v. The offer is void if the plan is cancelled within the first six (6) months of the plan start date.

vi. This offer does not apply to anyone who has taken out a life insurance plan with Zurich within the last 12 months and then cancelled it.

vii. Zurich reserves the right to withdraw or make changes to this promotion in whole or in part without prior notice at any time.

viii. No cash alternative will be offered.

ix. The terms and conditions of this promotion do not alter or vary the terms and conditions of any Life Insurance plan which may be purchased.

x. Applications are subject to our normal terms and conditions including our underwriting criteria. Zurich reserves the right to decline any application for an insurance plan at its absolute discretion and is not obliged to disclose any reason for rejection. In these cases, the customer will not be eligible to receive the Love2Shop vouchers.

xi. The incentive provider could be changed but the monetary value of the offer will not change.

xii. Zurich will not issue any vouchers if it suspects the terms of the offer are being abused and will cancel any plans or vouchers should they discover or have a reasonable suspicion that the terms of the offer are being abused.

xiii. Your personal details will be stored and processed by Zurich and selected, trusted third parties for the sole purpose of administering this promotion for the duration of up to two years.