Zurich’s Showcase Page
Zurich Intermediary Website
Critical Illness showcase
Children’s Critical Illness showcase
Income Protection showcase
New Business
Pre-Underwriting
Online pre-app tool available, more info here (please quote your pre-app reference number in your email)
Claims
Bereavement: [email protected]
Disability: [email protected]
Phone – 0370 2430827
Opening times – 09:00 – 17:00
(Monday to Friday)
Protection Guru has worked with Zurich to create a concise objective analysis of their product range.
Zurich in their own words
At Zurich, we believe that protection should be accessible to everyone and that no two lives are the same, so their cover should reflect that. We offer a range of personal and business protection options enabling you to craft different solutions for your client’s based on their needs and budget
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Personal Protection Products
LIFE INSURANCE
CRITICAL ILLNESS
CHILDREN’S COVER
INCOME PROTECTION
WHOLE OF LIFE
Life insurance
Life insurance offers financial protection for your client’s loved ones, with a lump-sum or monthly benefit paid if the life insured passes away.
Zurich offer the following options:
- Level, Increasing, Decreasing, Family Income Cover, single life, Joint Life First Event, Joint Life Second Event (Level and Increasing only)
- An option to add Children’s Cover or Children’s Enhanced Cover with any sum assured between £10k – £100k
- Additional tailored protection also available for those planning to add to their family in the future through Zurich’s unique Pregnancy and Early Childhood Cover
- Option to add Renewal or Conversion Option
Find out more
Critical Illness
Zurich’s critical illness policies are designed to be tailored so that your client only pays for the cover they need. The following options are available:
- Life insurance with critical illness cover
- Standalone Critical Illness
- Family Income Cover with critical illness cover
- Family Income Cover with standalone critical illness cover
The Life Assured can choose from the following cover:
Critical Illness
Where budget is a consideration, Zurich provide core critical illness which provides full cover for the conditions most commonly claimed on plus additional cover for carcinoma in situ of the breast and low grade prostate cancer. Zurich will pay the lower of 25% of the sum assured up to £25,000 for these two conditions.
Critical Illness Enhanced
For clients that want a more comprehensive plan, Zurich Critical Illness Enhanced covers them for a wider range of full payment and additional payment conditions. Again, for additional payment conditions Zurich will pay the lower of 25% of the sum assured or £25,000.
Find out more
Critical Illness Enhanced Plus
For clients that want the same breadth of condition coverage as Critical Illness Enhanced but with higher pay out levels for all additional payment conditions and 16 life changing critical illnesses if diagnosed before age 55. Under this option Zurich will pay the lower of 50% of the sum assured or £50,000 for all additional payment conditions.
Children’s Cover
Clients can choose whether to include core or enhanced child cover (or no child cover at all) and have the ability to add and remove Pregnancy & Early Childhood cover.
- Select any amount of cover between £10k – £100k
- Available on Life only policies and CI policies
- Option to add, remove, increase or decrease, change the quality of cover held at any point
Children's cover
Core children’s critical illness provides cover for the conditions most commonly claimed on. The cover amount can be between £10k and £100k with all conditions covered paying the full sum assured.
Children's Enhanced cover
Enhanced Children’s Critical Illness covers a wider range of conditions including child permanent dependence. The cover amount can be between £10k and £100k with all conditions covered paying the full sum assured.
Find out more
PREGNANCY & EARLY CHILDHOOD COVER (PEC)
Specific cover designed for those planning to start or extend their family. Includes a range of benefits protecting from pregnancy through to early childhood. PEC will pay the full sum assured if the child suffers from one of ten congenital conditions. PEC also includes cover for complications of pregnancy.
Income Protection
Zurich offer two levels of income protection cover:
Income Protection
Zurich Income Protetion provides;
- Cover up to 80% of net earnings
- Full or short term options
- Maternity, paternity & adoption cover
- Flexible defer periods
- Waiver of premium
- Special features for doctors & surgeons
Find out more
Income Protection Select
Shares all of the same features as Income Protection as well as:
- Family carer benefit
- Trauma benefit
- Hospital stay benefit
- Needlestick benefit
- Funeral benefit
Whole of life
Legal & General’s Whole of Life Protection Plan is designed for those who want added comfort of knowing that their family will receive a lump sum after their death.
Reasons to recommend Whole of Life Protection Plan:
- Policies can be placed in trust to protect IHT liabilities
- Access to Wellbeing Support included as standard
- No claims cut-off periods
Find out more
Multi-Fracture Cover
Zurich offer Multi-Fracture Cover as an optional add on to their personal Life, Critical Illness and Income Protection plans. In addition, Zurich also pay a lump sum if a client has a specified dislocation or ruptures either their knee ligament or achilles tendon. Multiple payouts can be made in a policy year up to a combined maximum of £6,000. Multi-Fracture Cover must be chosen at outset but can be removed at any point.
In 2022 Zurich paid out £1.4m in fracture cover claims!
Protection for every business
Business Protection
A range of options to protect key people, shareholders and partners. Zurich offer life cover and critical illness options.
Find out more
Relevant Life
A tax efficient way for a business to provide life cover to an employee. Particularly useful for small businesses with too few employees to set up a group scheme.
Find out more
Business whole of life
Provides life cover for a key individual for the whole of their life should they die or be diagnosed with a terminal illness.
Find out more
Adviser tools & support
Tools
Zurich have created a range of tools to support advisers, their businesses and aid discussions with clients. The tools include:
- Maximum monthly benefits caculator
- Dual deferred period maximum benefit calculator
- Medical evidence and BMI calculator
- Occupational guide tool
- Whole of life calculator
- Direct Debit collection date tool
- Relevant life calculator
Click here to access these tools
Life Protection Platform Support
Zurich’s Life Protection Platform is hugely powerful and provides advisers with a huge amount of information. It gives advisers the ability to manage not only their new business pipeline but also their in force policies removing the need for paper forms. To help advisers navigate the platform and get the most from the system, Zurich have provided a range of videos and answers to their most frequently asked questions. These cover:
- Quote and Apply
- Underwriting decisions
- Issuing policies
- Policy servicing
Business protection guide
Zurich Business Protection provides comprehensive cover for key people and owners. It includes the same critical illness conditions and features as our Personal Protection policies. Zurich have created a business protection guide to support advisers, that covers:
- Key Person
- Shareholder Protection
- Relevant Life
- An overview of different business types
- Technical information on setting up cover
Zurich plant a tree for every policy bought
Zurich have teamed up with Tree-Nation, a forestation initiative and to help combat deforestation will plant a tree everytime a protection plan is taken out up until 31st December 2020.
In addition clients will be able to track their tree, view detals about it and see where it is placed in Zurich’s ‘virtual forest’.
Since the begining of the project, Zurich UK have planted over
61,000 trees
Areas for improvement
- Do not currently offer as wide a range of value added services such as access to GP’s, Second Medical Opinions, Health Checks and Nutritional Support.
Protection Guru has worked with Zurich to create a concise objective analysis of their product range. Zurich have had input to the design of this page and contributed to the cost of the construction and maintenance, however Protection Guru have maintained editorial control over the content to ensure objectivity.