International Portfolio Bond customers

If you are an existing customer of Zurich Life Assurance plc in Ireland and are invested in the International Portfolio Bond, please find our contact details below:


Zurich Life Assurance plc
Zurich Centre
PO Box 1076
Bishops Cleeve
GL50 9NR


0370 850 6130

Monday to Friday 8.00am – 6.00pm

We are not open on public holidays in England. We may record or monitor calls to improve our services.

Fax: 0370 850 5860

Email: – for general enquiries – for trading instructions


How to make a complaint

If you are a policy owner, beneficiary or insured person, and are not satisfied in any way with your policy, you should contact our Customer Services team. If we are unable to satisfy your complaint, you may have recourse to the Financial Services and Pensions Ombudsman (FSPO). Details of the services provided by the FSPO can be supplied to you upon request.

Financial Services and Pensions Ombudsman

Lincoln House,
Lincoln Place,
Dublin 2
D02 VH29

(01) 567 7000


Fund information and guides:

Privacy Policy

Who controls my personal information?

Zurich Life Assurance plc (referred to as ‘Zurich Life’) is a public limited company incorporated in Ireland and registered under company number 58098. Zurich Life’s registered office is at Zurich House, Frascati Road, Blackrock, Co. Dublin. Zurich Life historically sold a life (investment) product known as the UK International Portfolio Bond (“UK IPB”) to customers in the UK on a Freedom of Services basis. The UK IPB product was closed to new business with effect from 1 January 2018. However, Zurich Life continues to administer the closed UK IPB book of business.

This notice tells you how Zurich Life, as data controller, will deal with your personal information. Where Zurich Life introduces you to a company outside the Zurich Insurance Group (the “Group”), that company will tell you how your personal information will be used.

You can ask for further information about our use of your personal information or complain about its use in the first instance, by contacting our Data Protection Officer at Data Protection Officer, Zurich Life Assurance plc, Zurich House, Frascati Road, Blackrock, Co. Dublin or by emailing us at

If you have any concerns regarding our processing of your personal information, or are not satisfied with our handling of any request by you in relation to your rights, you also have the right to make a complaint to the Office of the Data Protection Commission. Their address is Canal House, Station Road, Portarlington, Co. Laois.

What personal information will you collect about me?

We will collect and process the personal information that you give us by phone, e-mail, by filling in forms and when you report a problem with our website. We also collect personal information from your appointed agent such as your trustee, broker, intermediary or financial adviser in order to provide you with the services you have requested and from other sources, for verification purposes. We will also collect information you have volunteered to be in the public domain and other industry-wide sources.

We will only collect personal information that we require to fulfil our contractual, legal and regulatory requirements unless you consent to provide additional information. The type of personal information we will collect includes; basic personal information (e.g. name, address, date of birth, contact details, nationality and country of residence), occupation and financial details, national insurance number (tax reference number) and health and family information and where you have requested other individuals be included in the arrangement, personal information about those individuals.

It is important that the personal information we hold about you is accurate and current. Please keep us informed if your personal information changes during your relationship with us.

What personal information do we collect from you, about other people?

If you give us personal information on other individuals, this may be used to provide you with a quotation and/or contract of insurance and/or provision of financial services. It is assumed by Zurich Life that you have their permission to do so. Except where you are managing the contract on another's behalf, please ensure that the individual knows how their personal information will be used by Zurich Life. More information about this can be found in the ‘How do you use my personal information’ section.

How do you use my personal information?

We and our selected third parties will only collect and use your personal information: (i) where the processing (including processing of health data) is necessary in connection with providing you with a quotation and/or contract of insurance and/or provision of financial services that you have requested; (ii) to meet our legal or regulatory obligations; or (iii) for our "legitimate interests". It is in our legitimate interests to collect your personal information as it provides us with the information that we need to provide our services to you more effectively including providing you with information about our products and services. We will always ensure that we keep the amount of information collected and the extent of any processing to the absolute minimum to meet this legitimate interest. Examples of the purposes for which we will collect and use your personal information are:

  1. to provide you with a quotation and/or contract of insurance;
  2. to identify you when you contact us;
  3. to communicate with your financial broker, advisor or investment manager as part of our business relationship with you and in order to help us fulfil our contract with you;
  4. to deal with administration and assess claims;
  5. to make and receive payments;
  6. to obtain feedback on the service we provide to you;
  7. to administer our site and for internal operations including troubleshooting, data analysis, testing, research, statistical and survey purposes;
  8. to prevent, detect and investigate crimes including fraud prevention and money laundering.

We will contact you to obtain consent prior to processing your personal information for any other purpose, including for the purposes of targeted marketing unless we already have consent to do so.

Who do you share my personal information with?

Where necessary, we will share the personal information you gave us for the purposes of providing you with the goods and services you requested with the types of organisations described below:

  • Group companies;
  • associated companies including reinsurers, suppliers and service providers;
  • introducers, professional advisers and consultants;
  • regulatory and legal bodies;
  • financial institutions;
  • healthcare professionals; 

Or, in order to meet our legal or regulatory requirements, with the types of organisations described below:

  • regulatory and legal bodies;
  • tax authorities;
  • central government or local councils;
  • law enforcement bodies, including investigators;
  • fraud prevention agencies;
  • auditors.

We have put in place appropriate security measures to protect the security of your personal information. In addition, we limit access to your personal information to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal information on our instructions and they are subject to a duty of confidentiality. We have put in place procedures to deal with any suspected data security breach and will notify you and any applicable regulator of a suspected breach where we are legally required to do so.

How do you use my personal information for websites and email communications?

When you visit one of our websites we may collect information from you such as your email address or IP address.

We use cookies and/or pixel tags on some pages of our website. This helps us to track unique visits and monitor patterns of customer website traffic. A cookie is a small text file sent to your computer. A pixel tag is an invisible tag placed on certain pages of our website but not on your computer. Pixel tags usually work together with cookies to assist us to provide you with a more tailored service. This allows us to monitor and improve our email communications and website. Useful information about cookies, including how to remove them, can be found on our websites.

How do you transfer my personal information to other countries?

Given the global nature of our business, our data is transferred to other countries.  Where we transfer your personal information to countries that are outside of Ireland and the European Union (EU) we will ensure that it is protected and that the transfer is lawful. We will do this by ensuring that the personal information is given adequate safeguards by using 'standard contractual clauses' which have been adopted or approved by Ireland and the EU, or other solutions that are in line with the requirements of European data protection laws.

A copy of our security measures for personal information transfers can be obtained from our Data Protection Officer at: Data Protection Officer, Zurich House, Frascati Road, Blackrock, Co. Dublin or by emailing us at

How long do you retain my personal information for?

There are a number of factors influencing how long we will hold your Personal Data and Special Categories of Personal Data, including but not limited to the following:

  • The regulatory rules set out in applicable laws and regulations or set out in codes issued by regulatory authorities.
  • The type of product that we have provided to you
  • The type of data that we hold about you
  • If your data relates to any ongoing, pending, threatened, imminent or likely litigation or investigation.
  • If you or a regulatory authority require us to keep your data for a legitimate purpose
  • If we use your data for long-term statistical modelling, provided that such modelling does not impact decisions that we may make about you.


As a general rule, we hold your data for the periods set out below:



Policy Information 7 years from when a contract has ceased
Claims Information 7 years from when a claim has been settled

Following the expiration of the retention periods outlined above, we will ensure that your data is securely deleted, anonymised or put beyond use in a separate secure archive system with highly restricted access.

What are my data protection rights?

You have a number of rights under the data protection laws, namely:

  • to access your data (by way of a subject access request);
  • to have your data rectified if it is inaccurate or incomplete;
  • in certain circumstances, to have your data deleted or removed;
  • in certain circumstances, to restrict the processing of your data;
  • a right of data portability, namely to obtain and reuse your data for your own purposes across different services;
  • to object to direct marketing;
  • not to be subject to automated decision making (including profiling), where it produces a legal effect or a similarly significant effect on you;
  • to claim compensation for damages caused by a breach of applicable data protection law;.
  • if we are processing your personal information with your consent, you have the right to withdraw your consent at any time.

Automated decision making and profiling

Automated decision-making takes place when an electronic system uses your personal information to make a decision without human intervention. We are allowed to use automated decision making in the following circumstances:

  1. Where we have notified you of the decision and given you 21 days to request a re-consideration.
  2. Where it is necessary to perform the contract with you and appropriate measures are in place to safeguard your rights.
  3. In limited circumstances, with your explicit written consent and where appropriate measures are in place to safeguard your rights.

If we make an automated decision on the basis of any Special Categories of Personal Data (as defined by data protection laws), we must have either your explicit written consent or it must be justified in the public interest, and we must also put in place appropriate measures to safeguard your rights.

You will not be subject to decisions that will have a significant impact on you based solely on automated decision making, unless we have a lawful basis for doing so and we have notified you.

We do not envisage that any decisions will be taken about you using automated means, however we will notify you in writing if this position changes.

What happens if I fail to provide my personal information to you?

If you do not provide us with your personal information, we will not be able to provide you with a contract or assess future claims for the service you have requested.

How can you contact us about data protection?

You can contact us:

By post addressed to: Data Protection Officer, Zurich Life Assurance plc, Zurich House, Frascati Road, Blackrock, Co. Dublin.

By email: