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Tailored life insurance plans to suit different needs
Level Protection Plan
Fixed or increasing cover for a fixed period
- Provides a cash sum if you die or become terminally ill
- Good for protecting you & your family, an interest-only mortgage or loan, or a business
- Cover and payments stay the same, or pay more over time by choosing to increase cover to help protect against inflation
- You can include Critical Illness cover and other benefits
For detailed information please read the key features.
Decreasing Mortgage Cover
Decreasing cover for a fixed period
- Provides a cash sum if you die or become terminally ill
- You decide how long you want the insurance for
- Cover decreases each month, payments stay the same
- Good for protecting a repayment mortgage
- You can include Critical Illness cover and other benefits
For detailed information please read the key features.
Adaptable Life Plan
Fixed or increasing cover for the rest of your life
- Provides a cash sum if you die or become terminally ill
- Good if you want to provide a cash sum for your family whenever you die
- Cover and payments can stay the same or increase over time to protect against inflation
- Can be used for funeral planning and you could get more cover for the same cost as Over Fifty life insurance plans depending on health and circumstances
For detailed information please read the key features.
Here’s why so many people choose Zurich Life Insurance
Life cover optional extras
Zurich life insurance plans can be tailored with optional extras to provide added peace of mind. These can’t be added at a later date and need to be added during purchase. For detailed information please read the Key features.
Critical Illness cover
Available with Level Protection Plan and Decreasing Mortgage Cover. Pays out a cash sum if you get one of the illnesses covered including cancer, heart attack and stroke.
Find out more on our Critical Illness page.
Increasing cover
Do you want your insurance amount to have as much buying power in the future as it does today? If so, you can pay more over time by choosing to increase cover to help protect against inflation. You can go back to level cover at any time - just let us know and we'll make the change for you.
Total Permanent Disability cover
Depending on your occupation, if you're under 55 and take out a plan including Critical Illness cover you can add extra cover that pays a cash sum if you become permanently disabled. The benefit stops at age 60. Available with Level Protection Plan and Decreasing Mortgage Cover.
Payment Protection benefit
Available with Level Protection Plan and Decreasing Mortgage Cover, if you're under 60. The benefit pays you a monthly income if you can’t work due to illness or injury.
Waiver of Payment benefit
Available on all Zurich life insurance plans. If you're employed and under 55 when the plan starts, we'll make your payments for you if an illness or injury results in you not being able to do your job, or a job that you're reasonably suited to.
Convertible Term
If your Level Protection Plan is for life cover only and you are 83 or younger, you have the option of converting some or all of your life cover to the Adaptable Life Plan. You won’t have to give us more details about your health or activities but your premium is likely to be more expensive when converting to an Adaptable Life Plan.
Renewable Term
Available with Level Protection Plan. When the plan is due to finish as long as you are aged under 70 you can renew it, up to or equal to the original term and amount of cover. You won’t have to give us more details about your health or activities but the plan may cost you more than your original premium.
Making changes to your plan
If something changes in your life, like buying a bigger home or having a baby, you may be able to increase your cover without giving us any more details about your health or activities. To make changes, you'll need to have had this benefit included from the outset, be 54 or younger and have at least a year left on your plan. Increased cover will result in increased premiums.
Good to know…
Zurich Life Insurance pays out a cash sum if you die during the term of the policy, or if you are diagnosed with a terminal illness and are expected to live for less than 12 months. There is no cash-in value at any time. If you stop paying your premiums your cover will end.
To find out more and make sure Zurich life insurance is right for you, read the key features booklet for the plan you're interested in before you apply. We don't offer advice so if you're still not sure, please contact an independent financial adviser who will be able to help you decide. Just remember that they may charge a fee for for their advice.
You could be covered today from only £5 per month
Do I need life insurance? Andrew’s story
Andrew was a management consultant, living with his partner and their teenage daughter.
Andrew’s job took him away from home a lot, so at weekends he loved going for family walks along the beach with their spaniel.
Andrew’s dad had died suddenly from a heart attack a few years earlier, and Andrew had seen how difficult it was for his mum to get by with the few savings they’d put away….
Read moreIncome Protection
Protect your income if you're ill or injured
- Provides a regular income to partially replace your earnings if you can't work because of illness or injury
- Available if you're employed or self-employed
- Can be used to protect businesses against the loss of a key person by providing a monthly amount
- You decide the amount of protection needed, when it starts and the duration (up to age 65)
Only available through a financial adviser. You may have to pay for their advice.
Benefits will start to be paid depending on your needs and choices when starting the plan, so you'll need to be able to cover your gap in finances.