Make a terminal illness claim

We’ll generally need to obtain medical information to support your claim from your GP, consultant or treating medical professional and we’ll ask for your consent to do this.

To help gets things moving please send us copies of any medical reports, diagnostic test results, along with in or out-patient assessments etc. The quicker we can get this information, the faster we can assess your claim and pay your benefit.

If your existing GP doesn’t have a complete picture of your past medical history relevant to your diagnosis, then we may need to obtain this to fully assess your claim. If that happens we’ll let you know and explain how we’ll do that.

Timescales can vary, especially if we’re dependent on 3rd parties such as your GP or medical professional for information needed to assess your claim.

The more information we have upfront, the faster we can assess your claim, so making sure you provide as much detail as early on as possible, the better.

No, you’ll need to maintain your regular premiums as normal, pending assessment of your claim and until we agree to pay it.

Yes -  when the sum assured is paid, we’ll stop providing cover and your policy will end.

If you pass away during the process of making a terminal illness claim, we'll continue to deal with your case and pay the proceeds of any valid claim to the person legally entitled to receive it.

This could be the executors of your estate or your trustees (if your policy is held in trust).

Your trustees will then distribute the proceeds to your beneficiaries in line with the instructions you provided as part of the trust arrangements.

Your policy only pays out the sum assured once and when the sum assured is paid, the policy will stop and cover will end.

Coming to terms with a diagnosis can be difficult for you and your family. If you need emotional support or you’re experiencing financial difficulty as a result of your diagnosis, there are a range of support mechanisms available, including access to Zurich Support Services.

This offers targeted support for a broad range of life events, big and small.

It’s free and completely confidential, available 365 days a year, 24 hours a day. To find out more simply download our brochure.

• Zurich Support Services leaflet (582.6 KB/PDF)

If your policy begins PR you can write to us at: Zurich Assurance, Protection Operations, PO Box 4157, Swindon, SN4 4QB.

If your policy doesn't begin PR, please use this address instead to make sure we get your correspondence to the right place, first time. Zurich Assurance - InForce Claims, Unity Place, 1 Carfax Close, Swindon, SN1 1AP.

We’re committed to providing you with the highest possible level of service. If you feel we've not delivered this, let us know so we can act quickly to put things right. To do this, please complete our online complaint form. If the policy number starts with 'PR' please use the life protection online complaint form.

If you need any further help please visit:

• Life insurance, pensions and investments complaints page