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Cover for your children
Add children’s benefit and we’ll pay up to £25,000 if your child is diagnosed with one of the same 39 conditions you are covered for. Available on a life cover and critical illness policy only.
Get up to £100 of vouchers
Use promo code ZOFFERS100 during the quick quote
T&Cs apply - voucher issued after 6th premium received. Voucher value depends on premium paid, maximum £100. Promotion FAQs
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What life insurance do I need?
Life insurance is all about making sure your dependents have the money they need if you were no longer around. You may also be worried about getting a serious illness, such as cancer, so taking out life insurance and critical illness cover, means you would receive your lump sum on diagnosis of one of 39 conditions.
Simply choose whether you want life cover only, or life cover with critical illness, when you get a life insurance quote. We don’t just protect your financial future, we’re also here for you right now. Zurich Support Services provide a range of services including counselling and mental health support. You can learn more about the specialist services on our support services page.
If you’re not sure what type of life cover is best for you, read our handy beginners' guide to life insurance or speak to an independent financial adviser.
Here’s why so many people choose Zurich Life Protection
Life insurance
- Provides a lump sum if you die or become terminally ill with less than 12 months to live
- Cover your mortgage, or other financial commitments you don’t want to leave behind for someone else to deal with
- Cover living expenses and other things your loved ones may need assistance with
- Flexible cover to suit you and your family’s circumstances
- Optional cover available for broken bones, dislocations & ligament damage
For detailed information, please read the key features
Life insurance & critical illness cover
- Provides a lump sum if you die, become terminally ill or suffer a critical illness that your policy covers
- Helps absorb the financial impact of serious illness such as cancer, heart attack or stroke
- You can only take out critical illness with a life insurance policy
- You can choose how much cover you would like, and for how long
- You can also add cover for your children
For detailed information, please read the key features
Critical illness customer case studies
Life is unpredictable and can change in an instant. Glenn and Emily tell their stories of how claiming on their Zurich Critical Illness policy enabled them to concentrate on recovery and not on the financial worries of being unable to work.
Trees for the future
We’re proud to be a partner of Trees for the future, helping to fund their planting and restoration projects with farmers in Africa. Over two years from January 2024, Zurich’s funding will enable the planting of more than a million trees across Mali and Senegal in West Africa.
The projects which we support help to train farmers to adopt more sustainable and regenerative practices, empower women, restore degraded land, and support the local families who depend on it. To find out more about our partnership with Trees for the Future and links to their website, visit our Trees for the Future webpage.
Life insurance extras and benefits
We offer a handful of optional extras and automatic benefits (which may depend on whether you have chosen life cover only, or life cover and critical illness).
Read more...
Multi-fracture cover
Add multi-fracture cover and we will pay a lump sum of up to £6,000 if you break a bone, dislocate a joint, rupture your Achilles tendon or tear a knee ligament. Available on both a life cover and a life cover and critical illness policy.
Change your policy
*Included as standard
If something changes in your life, like buying a bigger home or having a baby, you may be able to increase your cover without giving us any more details about your health or activities. Bear in mind that increased cover will result in increased premiums.
Separation benefit
*Included as standard
If you have a joint policy and you separate, divorce or have a civil partnership dissolved, you can cancel this policy and start individual policies for one or both of you, without needing to provide any more medical information.
You could be covered today from only £5 per month
Life insurance types explained
Level cover
- Your cover and payments stay the same during your policy (unless you change them)
- Pays a lump sum if you die or become terminally ill with less than 12 months to live
- If you have life cover and critical illness, pays your lump sum on diagnosis of a serious illness
- Good for financially protecting you and your family, an interest-only mortgage or loan
- Choose single or joint cover (covering you and a partner)
Additional info
- You may be able to increase your cover at certain milestones, such as moving house or having a child without having to answer any medical questions. Bear in mind an increase in cover will mean an increase in premium
- We’ll also consider other requests to increase cover
- You can reduce your cover at any time
- You can reduce the length of time you’re covered for
For detailed information, please read the key features
Increasing cover
- Choose how much you want your cover to increase by each year
- Pays a lump sum if you die or become terminally ill
- If you have life cover and critical illness, pays your lump sum on diagnosis of a serious illness
- Good for protecting against the rising cost of living
- Choose single or joint cover (covering you and a partner)
Additional info
- We set your increasing rate at the start of your policy
- You can ask us to increase your cover by 3%, 5% or in line with Retail Prices Index (max 10%)
- We apply the increase once every year on the anniversary of the policy start date
- Your premium goes up 1.5% for every 1% increase in cover (because the risk increases as you get older)
- If you have multi-fracture cover included, the cost of this will stay the same
- You can change to Level cover at any time
For detailed information, please read the key features
Decreasing cover
- Cover decreases each month, reaching zero at the end of your term
- Pays a lump sum if you die or become terminally ill
- If you have life cover and critical illness, pays your lump sum on diagnosis of a serious illness
- Good for protecting a repayment mortgage
- Choose single or joint cover (covering you and a partner)
Additional info
- Premiums are calculated at the start and stay the same
- We’ll set the percentage rate at which your cover reduces
For detailed information, please read the key features
Good to know…
Zurich life insurance pays out a lump sum if you die during the term of the policy, or if you are diagnosed with a terminal illness and are expected to live for less than 12 months. There is no cash-in value at any time. If you stop paying your premiums your cover will end.
To find out more and make sure Zurich life insurance is right for you, read the key features document for the plan you're interested in before you apply. We don't offer advice so if you're still not sure, please contact an independent financial adviser who will be able to help you decide. Just remember that they may charge a fee for their advice.