Zurich in their own words

Zurich’s Personal Critical Illness options pay out a lump sum or regular amount to your client if they’re diagnosed with one of the conditions covered by their policy. We offer three different levels of critical illness cover – Critical Illness, Critical Illness Enhanced and Critical Illness Enhanced Plus – so you can craft different solutions to the meet the needs of each client.  Customers can also choose to add one of two levels of children’s cover, as well as additional tailored protection if they’re planning to add to their family in the future to Life Cover only or Critical Illness policies. Visit our children’s cover showcase page for further information on the options available.

Enhanced payments for life changing conditions

Being diagnosed with a critical illness at any time will have a major impact on a client’s life. Living with a degenerative condition, especially if diagnosed at a young age could have a significantly bigger impact.

For this reason, client’s opting for Zurich’s Enhanced Plus cover have the peace of mind that were they to successfully claim for one of 16 life changing long-term conditions before the age of 55, Zurich will pay an additional amount over and above their main pay-out.

The enhanced additional payment of up to £200,000 or 100% of the current sum-assured (whichever is less), can be used to help the client better manage financially and make the necessary adjustments, following their diagnosis and successful claim.

Conditions covered

Blindness  – Brain injury – Deafness – Dementia including Alzheimer’s Disease – Heart failure – Kidney failure –  Liver failure – Loss of two hands or feet –  Loss of speech – Major organ transplant – Motor neurone disease – Neurodegenerative disorders not already covered – Paralysis of two limbs – Parkinson’s disease – Parkinson plus syndromes – Respiratory failure

Cover that can adapt to your client’s life

The things in a clients’ life that need protecting rarely remains constant. As such it is important that the cover they have in place can adapt to their changing needs whether that be starting a family, an increase in income or assets all the way through to children no longer being dependent. 

Zurich’s range of protection plans enable advisers to change the level of cover the client has online without the need of paper applications and as such ensure that the client always has suitable cover in place for their specific needs at any given time. 

Critical Illness for Business PRotection

Zurich’s Business Protection retains the Core and Select approach to critical illness and as such offers different coverage to their personal critical illness plans.

As with their personal cover, clients are provided with the flexiblity to add and remove childrens cover and remove additional benefits (such as Total & Permanent Disability and Waiver of Premium) if no longer needed and reduce the level of critical illness cover during the term of the plan.