Zurich Showcase page
New Business
applicationsupport@uk.zurich.com
Phone – 0370 850 4419
Opening times – 8.30 – 5.30
(Monday to Friday)
Pre-Underwriting
uw.preapp.enquiry@uk.zurich.com
Phone – 0370 850 4419
Opening times – 8.30 – 5.30
(Monday to Friday)
Claims
Death: Bereavements.Zurich@uk.zurich.com
Disability: technicalclaims@uk.zurich.com
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
We at Zurich believe that protection should be accessible to everyone and that no two lives are the same, so their cover should reflect that.
Flexible products
Our protection products are designed to be flexible to suit people’s lives and change as life changes. Your clients can vary their level of cover, as well as add or remove benefits depending on their circumstances during the life of the policy. All this can be easily done on our Life Protection Platform.
Supporting our customers
It is very important for us to support our customers, both when they’re claiming and during the life of their policy. Every customer and their family are offered access to a support service to help them with mental health problems, worries about finance, work and life balance, or even debt management. And when a customer needs to claim, we assign a dedicated claims manager to their case to help them throughout the whole process.
Planting a forest, one policy at a time
Zurich is not just about providing protection products. We want to have a positive impact on the community and raise awareness of climate change. That’s why we have partnered with Tree-Nation, a reforestation enterprise that aims to stop climate change, to help us plant a tree on behalf of each customer who purchase a policy on the Life Protection Platform.
Options to meet the needs of your clients
Life Cover
Free life cover during underwriting
Free life cover until mortgage completion
Conversion and renewal options
Critical Illness
Core cover – cover for core CI conditions
Select cover – cover for a broader range of conditions
Income Protection
Core cover that is not as basic as it sounds
Select cover provides extra support for the client and their family
Whole of Life
Protecting assets through inheritance tax planning
Funeral planning
Also offered for business protection
Business Protection
Key person cover
Shareholder protection
Relevant Life
No benefit in kind implications
Usually viewed as an allowable business expense by HMRC
Cover that can adapt to your clients’ 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.
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Milestone benefits
Increasing cover
Decreasing cover
Supporting advisers pre-application
Pre-Application Tool
Zurich’s pre-application tool is available 24/7 365 days a year and enables advisers to understand what terms might be given on applications where there is:
- A family history of illness
- Medical disclosures
- Poor habits or lifestyle
- Occupational risks
- Hazardous pursuits
- Travel risks
Key Benefits
Integrated with Zurich's rules engine which means the indicative outcomes are accurate
It provides not only an indicative decision on the benefit you selected, but also for other products and benefits Zurich offer, providing more options for advisers and clients
Saves valuable time, helping shorten the customer’s application process compared to pre underwriting phone line
Each pre-app enquiry has a unique reference number which can be used if you need to contact Zurich to discuss the decision given
Provides indicative terms for 90% of all pre-app enquires Zurich receive
Fracture Cover
Zurich offer fracture cover as an optional add on to all their personal protection plans. This benefit provides a lump sum of between £6,000 and £2,000 if the client fractures one of their specified bones. In addition, Zurich are the only provider that will 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.
Making claiming on a plan less stressful
Claims Handlers
All claimants are allocated a specific claim handler to talk to that has received speacialist training on how to talk to claimants, training on medical conditions and training from a support group.
Notification
Zurich can be notified of a claim by email, post or telephone (no additional claim form required) and will let advisers know when a claim is being made on one of their clients’ policies.
Tracking
Zurich will send a summary of the details of the claim to the client and keep both the client and their adviser informed on the progress of the claim by text, email, post or phone depending on preference.
Zurich work extremely hard to obtain feedback from claimants and are continuously looking at how they can improve their claims process for claimants and advisers. This is
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Zurich Support Services
Zurich’s Support services are available from the moment a plan is put in force 24 hours a day, 365 days a year. The service provides telephone access to an independent team of counsellors, advisers and legal experts to help with common day to issues and counselling when needed.
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More than counselling
Work/Life balance
- Childcare support and referrals
- Eldercare support and referrals
- Life coaching
- Debt & money management
- Legal information
Emotional Support
- Short term counselling (up to 5 sessions)
- Fully qualified & experiences counsellors (BACP, UKCP)
- An appointment within 5 working days of being appointed a counsellor
- Referrals where longer term support is required
WORK/LIFE BALANCE
- Childcare support and referrals
- Eldercare support and referrals
- Life coaching
- Debt & money management
- Legal information
EMOTIONAL SUPPORT
- Short term counselling (up to 5 sessions)
- Fully qualified & experienced counsellors (BACP, UKCP)
- Counsellor appointed within 2 working days of initial assessment
- An appointment within 5 working days
Claims Statistics 2020
Life Protection |
Critical Illness |
Income Protection |
|
Percentage of claims paid |
98% |
87% |
85% |
Non-disclosure |
2% |
4% |
N/A |
Not meeting defintion |
N/A |
9% |
N/A |
Total value of claims paid |
£279.6m |
£64.7m |
£6.6m |
Number of families supported |
>5,000 |
<1,000 |
£456,000 in fracture cover claims paid
£4.5m of total life claims due to COVID-19 deaths
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
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
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 have a family income benefit proposition
- 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.
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