Zurich Life Insurance

zurich life insurance


Zurich is a Swiss insurance company with its headquarters in Zurich, Switzerland. Zurich is Switzerland's largest insurer, servicing more than 215 countries and territories, with about 55,000 employees. Zurich's customers include individuals and small businesses right through to multinational corporations. 

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The History of Zurich

The company was founded in 1872 as a reinsurance company under the name Versicherungs-Verein. In 1894, it acquired licences to do business in many other countries around the world and changed its name to Zurich.


Zurich Life Insurance Policy Review

Zurich offer a comprehensive Personal Protection policy, which has an unlimited maximum benefit amount and the option to add Critical Illness cover and multi fracture cover.


Zurich Life Insurance Overview

Includes life cover and terminal illness cover  Critical Illness cover can be added at an additional cost

Policyholders age  You can take out a policy between 16 and 83 (69 with Critical Illness) years of age. 

Types of cover available  Zurich offer Level Cover, Decreasing Cover and Increasing Cover  

Policy Term the maximum length of term a policy can run for is 50 years (40 with Critical Illness cover)

Maximum Age at the end of the term is 89 (74 with Critical Illness Cover)


5-star rating

with independent rating firm Defaqto

Best Individual Protection Provider

Health & Protection Awards 2023


Rated Great on TrustPilot

Life Insurance Customer Satisfaction Winner

Finder Awards 2022

Zurich Life Insurance Cover

Available options with Zurich Life Insurance

Life Insurance  Zurich Options
Types of Cover offered
  • Term Life Insurance
  • Decreasing Term Life Insurance
  • Increasing Term Insurance 
Minimum Age Entry 16 years old
Maximum Age Entry

Life Insurance 83 years old

Life Insurance with Critical Illness cover 69 

Maximum Benefit Unlimited 
Terminal Illness Cover  Yes
Premium Type
  • Guaranteed
  • Renewable
  • Annually increasing

Zurich Life Insurance Key Benefits

Benefit Details
Life Change Benefit This allows you to increase your benefit if for example you get married, have children or buy a bigger house.
Separation Benefit If you have a joint policy and go through a separation, you can split to two separate policies.
Indexed/Increasing Cover  You can choose a fixed or indexed increasing benefit, to ensure inflation won't make your benefit worth less in the future. 
Fracture cover You can pay extra for fracture cover with Zurich which pays out £2,000, £4,000 or £6,000 for various levels of fracture/dislocation type injuries. 


How to Make a Claim


0370 243 0827

Monday to Friday, 9am - 5pm.




Frequently Asked Questions

What happens if I out-live my Term Life Insurance policy?

A Term Life Insurance policy does not provide a cash sum if you are still alive at the end of the term. Premiums tend to be lower for such policies as the majority will out-live their policy. Term Life Insurance policies are generally taken out by people who do not want to leave any financial burden on their family such as mortgage payments.

What is the difference between Over 50’s and Whole of Life Cover?

Both policies will pay out a lump sum upon your death at any age. Generally speaking, Whole of Life cover tends to have cheaper premiums over an Over 50’s plan as you have to disclose your medical information. The most cost effective option for you depends on whether you would benefit from your medical history being disclosed or not. Although the premiums of a Whole of Life policy tend to be lower, you will pay the premium until you pass away, whereas Over 50s plans often have an upper age limit. While your cover will remain, you are no longer required to make payments - usually when you reach 90 years old or the 30th anniversary of your policy.

Can I add Critical Illness to my Life Insurance?

Yes, should you suffer a serious illness Critical Illness cover will pay out a tax-free sum. This can be an add on to your Life Insurance policy or bought separately. Speak to one of our expert advisors to find out which policy would best suit your needs.

Who gets the money if my children are young when I die?

Setting up a Life Insurance policy is designed to protect loved ones and writing the policy into trust goes a step further in achieving this goal. This enables you to select who would hold the money for your children until they reach a certain age should you die. This will often be a partner, sibling or close friend as they will have a legal responsibility to carry out the wishes of the person creating the trust.


Will my cover cost more as a smoker?

Life Insurance is a risk-based product and so with the significant health impacts that smoking can have on a person, the insurance companies will charge someone a higher premium should they smoke. A smoker is usually defined as someone who has used any nicotine product in the last 12 months although some insurance companies have changed this to longer periods. If you took a policy while smoking and you no longer smoke, you should contact us to review your policy.

Will my cover cost more if I vape?

Vaping is a recent trend which insurance companies and health bodies have had to educate themselves on. The vast majority of e-cigarettes still contain a level of nicotine which can be addictive and so anyone who uses such products will still be classed as a smoker.

Is my premium fixed?

Most people tend to like the idea of their premium never changing as it provides stability and peace of mind – these are known as guaranteed premiums. Reviewable premiums are sometimes opted for whereby the premium can start at a lower amount but increase over of the course of the policy.

Will my Life Insurance payout be taxable?

No, your insurance payout will not be liable for tax.


Zurich Life Insurance Policy Documents

For the Zurich Life Insurance Key Facts and Policy Terms & Conditions documents, see below.


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Life Insurance Guides

Below are our in-depth guides to help you understand Life Insurance better and learn more about how it works. Don't forget our advisers are always at the end of the phone to offer free, expert advice should you prefer to speak to someone in person.