Zurich Life Insurance: Trusted Protection for Life’s Journey
Flexible Plans
FCA Regulated Broker
Customisable Policies
A Policy for Everyone
Looking for a life insurance provider that combines financial strength, flexibility, and award-winning customer service? Zurich Life Insurance offers comprehensive protection backed by over 150 years of experience. Whether you’re safeguarding your family’s future, covering a mortgage, or preparing for the unexpected, Zurich offers tailored solutions designed to fit your life.
In this guide, we’ll explore Zurich Life Insurance products, features, benefits, policy options, and real customer experiences—all to help you make an informed decision.
Why Choose Zurich Life Insurance?
Zurich is one of the world’s most established insurers, offering:
- ✅ Over 150 years of experience in the global insurance market
- ✅ Financial stability, rated A+ by Standard & Poor’s
- ✅ Flexible cover options that adapt to your lifestyle
- ✅ Award-winning service, including recognition from Defaqto and Fairer Finance
- ✅ Sustainability commitments, with eco-conscious investment strategies
Choosing Zurich means selecting a provider that prioritizes your peace of mind, financial protection, and long-term stability.
Zurich Life Insurance Products
Zurich offers two main life insurance options in the UK:
1. Level Term Life Insurance
A fixed payout is provided if you pass away during the policy term. Ideal for protecting your family’s lifestyle or repaying interest-only mortgages.
- Payout amount stays the same throughout the term
- Policy terms from 1 to 50 years
- Premiums fixed (unless you opt for index-linked increases)
2. Decreasing Term Life Insurance
This policy is designed to cover a repayment mortgage. The payout decreases over time in line with your outstanding balance.
- Lower cost than level cover
- Designed for mortgage protection
- Available with joint cover for couples
Optional Add-ons and Features
Zurich lets you personalise your life insurance to match your circumstances:
✅ Critical Illness Cover (Add-On)
Add Zurich Critical Illness Cover to your life insurance and receive a lump sum if you’re diagnosed with a specified serious illness such as cancer, heart attack, or stroke.
- Covers over 40 conditions
- Includes children’s critical illness as standard
- Can be added to level or decreasing term insurance
✅ Waiver of Premium Benefit
If you’re unable to work due to illness or injury, Zurich will pay your premiums so your cover continues.
✅ Indexation Option
Keep your policy in line with inflation by choosing to increase your cover annually.
Zurich’s Added Value Benefits
Zurich doesn’t just offer financial protection—they support you in life’s most challenging moments:
🧠 Zurich Support Services (Included)
A free, confidential helpline offering:
- Bereavement counselling
- Health and wellbeing advice
- Financial and legal guidance
- 24/7 access to trained professionals
This service is available to both policyholders and their families.
🧾 Trusts and Estate Planning
Zurich offers guidance on placing your policy in a trust to help your loved ones avoid inheritance tax and probate delays.
Zurich Life Insurance Policy Comparison
Here’s a quick comparison of Zurich’s core policy types:
|
Feature |
Level Term |
Decreasing Term |
|
Suitable for |
Family protection, interest-only mortgages |
Repayment mortgages |
|
Payout value |
Fixed |
Reduces over time |
|
Premiums |
Fixed |
Lower than level cover |
|
Optional Critical Illness |
Yes |
Yes |
|
Joint Policy Available |
Yes |
Yes |
|
Policy Length |
1-50 years |
1-50 years |
|
Available Ages |
16-83 (start), up to age 90 (end) |
16-83 (start), up to age 90 (end) |
Who Is Zurich Life Insurance For?
Zurich’s flexible policies are ideal for:
- Families – Protect your loved ones from financial hardship if you pass away.
- Homeowners – Cover your mortgage balance with decreasing term insurance.
- Young couples – Start a joint policy to lock in lower premiums.
- Professionals – Protect your income and critical health with added options.
- Self-employed individuals – Ensure your loved ones aren’t left with debt.
Zurich Life Insurance Reviews
Zurich consistently earns high marks from customers and industry bodies alike.
⭐ Customer Ratings
- Trustpilot Score: 4.4/5
- Defaqto Rating: 5 Stars for life and critical illness cover
- Fairer Finance: Ranked highly for customer happiness and trust
What Customers Say:
“Zurich made the process easy. I appreciated the clarity and the peace of mind I now have.”
— James T.
“Their critical illness cover helped my family when we needed it most. I’m forever grateful.”
— Lucy M.
How Much Does Zurich Life Insurance Cost?
Zurich’s life insurance is competitively priced and depends on the following:
- Your age and health
- The type and term of cover
- Whether you choose single or joint cover
- Smoking status
- Additional cover (e.g., critical illness)
Example Premiums:
|
Age |
Cover Amount |
Term |
Smoker |
Monthly Premium (from) |
|
30 |
£250,000 |
25 years |
No |
£7.50 |
|
40 |
£300,000 |
20 years |
No |
£13.20 |
|
50 |
£150,000 |
15 years |
Yes |
£32.10 |
Quotes are illustrative. Always use a quote tool for accuracy.
How to Apply for Zurich Life Insurance
Applying for Zurich Life Insurance is simple. You can get started in just a few steps:
- Compare quotes online using our trusted comparison tools.
- Select your cover amount, policy length, and any extras.
- Complete an application—you may need to answer a few health questions.
- Receive a decision—many applicants are approved without a medical.
- Start your policy and gain peace of mind immediately.
Frequently Asked Questions
❓ Can I get Zurich life insurance if I have a pre-existing condition?
Yes, Zurich reviews each case individually. In some instances, exclusions or increased premiums may apply.
❓ Is Zurich a good life insurance provider?
Absolutely. Zurich is globally trusted, financially secure, and regularly rated 5 stars by Defaqto and other third-party reviewers.
❓ Can I cancel my policy?
Yes. Zurich offers a 30-day cooling-off period. After that, you can cancel at any time, but premiums are non-refundable.
❓ What if I outlive my policy?
Term life insurance policies from Zurich don’t pay out if you outlive the policy. You may wish to review your cover later in life or explore whole-of-life options.
Compare Zurich Life Insurance with Other Providers
While Zurich stands out for its reputation, service, and flexible options, it’s always smart to compare:
|
Provider |
Policy Types |
Critical Illness Option |
Free Benefits |
|
Zurich |
Level, Decreasing |
Yes |
Support Services, Trusts |
|
Legal & General |
Level, Decreasing, Over 50s |
Yes |
Terminal Illness Cover |
|
Aviva |
Level, Decreasing, Whole |
Yes |
Support Line, Wellness |
|
Vitality |
Level, Whole |
Yes |
Wellness Rewards Program |
At Insured-Life, we help you compare Zurich alongside the UK’s top life insurance providers—so you always get the best value and protection.
Get a Zurich Life Insurance Quote Today
Ready to protect what matters most? Zurich Life Insurance offers reliable, tailored cover backed by decades of experience and thousands of happy customers.
✔ Instant quotes
✔ No obligation
✔ Expert advice available
👉 Compare Zurich life insurance quotes now and secure your family’s financial future with confidence.
Explore Our Life Insurance Services
Our life insurance process…
01
Needs Assessment
Tell us how much money you would need to financially protect your loved ones
02
We’ll Call You
We will call you to discuss your options and provide comprehensive free quotes
03
You’re Protected
You decide which policy to take and get protected today with no medicals or forms
Top Reasons to Choose Us
Comprehensive Coverage Options
Insured-Life.co.uk offers a wide array of insurance products, including life insurance, income protection, critical illness cover, mortgage protection, and over 50s life cover. This extensive selection allows you to find a policy that aligns with your specific requirements.
Access to Multiple Insurers
As an independent broker, Insured-Life.co.uk compares policies from a diverse panel of leading UK insurers, such as Legal & General, Aviva, and LV=. This independence ensures that you receive unbiased advice and competitive quotes tailored to your circumstances.
Additional Benefits and Services
Beyond standard insurance coverage, Insured-Life.co.uk provides extra services like placing your policy into trust at no additional cost, potentially protecting the payout from inheritance tax.
What Sets Us Apart
Safe Practices
Selling life insurance is about more than just policies—it’s about protecting futures with integrity and responsibility. Safe practices ensure that every client receives honest, transparent, and ethical guidance, helping them make informed decisions with confidence. From clear communication and accurate policy information to adhering to FCA regulationsand safeguarding personal data, trust is at the heart of everything we do.
FCA Regulated
At Insured-Life.co.uk, we are fully FCA-regulated, ensuring the highest standards of security, transparency, and ethical practice in life insurance. This means you can trust us to provide expert advice, fair policies, and protection that truly meets your needs. We work with leading UK insurers to offer reliable cover, giving you peace of mind that your loved ones will be financially secure.
Quick Policy Setup
At Insured-Life.co.uk, we make getting life insurance fast, simple, and stress-free. With our quick policy setup, you can secure the protection you need in just minutes. No lengthy paperwork, no complicated processes—just straightforward cover designed to give you peace of mind.
Get a quote, choose your policy, and enjoy the reassurance of knowing your loved ones are protected.
TESTIMONIALS
Hear from Our Customers
B Grant
Excellent customer service
Excellent customer service. Spoke to Daniel and he was so professional and knowledgeable which was reflected in the information he gave me. Detailed information I must add. I felt at ease throughout the call and never once did I feel I was being pressured to open a policy. It was my decision.
Lesley Phillips
I knew I had to take out a life policy…
I knew I had to take out a life policy for my husband and myself to cover funeral costs but kept putting it off .
Anastasia called us back as requested and guided us through the application. Thank you for making it easier than we thought so informative and helpful giving us the policy that was exactly what we asked for.
Highly recommended
Frequently Asked Questions
Whose Products Do We Sell?
- We offer products from a range of insurers for life insurance and critical illness cover.
- We offer protection products from a limited number of insurers for Whole of Life and Over 50s plans. A list of insurers we offer insurance from is available on request.
- As we’re not tied to any ONE provider we are able to search our panel of insurers and find you the best price available to us.
- We sometimes get preferential rates on selling policies which we pass on to you.
- We are paid a commission by each insurer for setting up your policy – it costs you nothing to use our service.
What Service Do We Offer?
- We are authorised by the FCA to advise our client on their protection needs. Our advisers will assess your demands and needs and recommend a suitable product that will protect you and your family. We get to know our clients and help them to decide on the right cover for the right price from a panel of leading UK insurers.
- We will ask you a number of questions designed to make you think about the shortfall in your income in the event of the death of a partner or breadwinner. Our questions are simple and our advisers avoid jargon making it easy for clients to understand.
How Much Does Our Service Cost?
- NOTHING – We do not charge a fee for our service; however, if you take a policy out through us we will be paid by commission from the insurer, but it still costs you nothing.
- You will receive a quotation which will tell you about any policy premiums relating to any particular insurance policy.
- We will put your life insurance policy into TRUST for FREE – this means that it may not be counted as part of your estate when you pass away and could secure it from the taxman – why should you lose your payout to the taxman’s inheritance tax?
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