Life insurance
Provide financial protection for your loved ones from £5 per month.
Table of contents
What is life insurance?
Life insurance is about making sure your dependents would have the money they need if you were no longer around. Life insurance provides a lump sum if you die or become terminally ill with less than 12 months to live.
This can help provide financial security for your loved ones by replacing lost income or paying for expenses such as education costs or mortgage payments.
You might also decide that you want peace of mind and the reassurance that you and your family would have a financial cushion were you to get a serious illness, such as cancer. At Zurich, you can choose between a life-only policy or life insurance with critical illness cover.
For a more in-depth explanation, read our article: What is life insurance?
Zurich Life Insurance explained
When you get a quote, you will have various options to help ensure you get the cover that’s right for you. You can choose:
- How much cover you want, and for how long
- A single or joint policy
- Life insurance or life insurance with critical illness cover
- A lump sum that stays the same, decreases over time or increases in-line with inflation
All our policies provide access to Zurich Support Services, including counselling and mental health support. If you choose Zurich Life Insurance and Critical Illness cover, you would receive your chosen cover amount upon being diagnosed with any one of 39 conditions. You’d also be covered for two additional payment conditions (less advanced cancer of the breast and less advanced cancer of the prostate) which pay up to £25,000.
See what options you have, which conditions we cover, and more when you download our key features document. If you’re not sure what type of life insurance is best for you, take a look at our life insurance guide or speak to an independent financial adviser.
Life Insurance
- Provides a lump sum if you die or become terminally ill with less than 12 months to live
- Helps your family with the financial impact of your death by helping to repay a mortgage, pay bills or other financial commitments
- Flexible cover to suit you and your family’s circumstances
- Optional cover available for broken bones, dislocations and ligament damage
Life Insurance and Critical Illness cover
- Provides a lump sum if you die, become terminally ill with less than 12 months to live or suffer any one of the 39 conditions your policy covers
- Cover for less advanced breast and prostate cancer which pay up to £25,000
- Helps absorb the financial impact of serious illness such as cancer, heart attack or stroke
- Choose how much cover you would like, and for how long
- Add critical illness cover for your children
Alternative critical illness options
If you’re interested in our stand alone Critical Illness cover, our Critical Illness enhanced or our Critical Illness enhanced plus cover, please speak to your financial adviser.
If you don’t have an adviser you can speak to Lifesearch for free on 0800 8046810 (Mon-Fri 8am–8pm, Saturday 9am–2.30pm), or you can find an independent adviser on the dedicated BIBA website.
Useful tools and guides
Life Insurance guide
Want to know more about the different types of life insurance, and what each policy offers? Read our life insurance guide.
Life Insurance FAQs
You can find answers to lots more questions on our life insurance FAQ page.
Life Insurance calculator
Not sure how much cover you’ll need? Enter a few details about your circumstances and we’ll give you an idea of a suitable level of cover.
Our features and benefits
Cover for your children
Add Children’s cover and we’ll pay up to £25,000 if your child is diagnosed with one of the same 41 conditions you are covered for.
Available for additional cost on a life and critical illness policy only.
Multi-fracture cover
Add multi-fracture cover and we will pay a lump sum of up to £6,000 if you break a bone, dislocate a joint, rupture your Achilles tendon or tear a knee ligament.
Available for additional cost on both a life and life and critical illness policy.
Separation benefit
If you have a joint policy and you separate or divorce, you can cancel this policy and start individual policies for one or both of you, without needing to provide any more medical information.
Change your policy - milestone benefit
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.
Bear in mind that increased cover will result in increased payments.
There are a number of other changes that you can make throughout the term of your policy.
Zurich Life Insurance is 5-star rated
Zurich Life Insurance has a 5-star rating under the Defaqto rating system. Defaqto is an independent comparison service for financial products.
Critical illness – Glenn and Emily’s stories
Life is unpredictable and can change in an instant. Glenn and Emily explain how having a Zurich Life Insurance and Critical Illness policy enabled them to concentrate on recovery after being diagnosed with cancer.
Term life insurance: Understanding your options
Term life insurance means you have cover for a specified amount of time. When you get a quote you can choose how long you’d like your cover to last. You can also choose how you’d like your cover to change over time. Below, we explain the differences between the three options: level cover, increasing cover and decreasing cover.
Each of these types of term life insurance allows you to choose single or joint cover (covering you and a partner).
If you’re still not sure what’s best for you, you can find more details in our Zurich Life Protection policy summary.
Get a quick quote before you apply
To help you decide if Zurich Life Insurance is right for you, answer a few questions so we can provide you an estimated quote. You can specify how long you want your cover to last, and whether you want your payments to stay the same, decrease over time, or increase to keep pace with inflation.