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Zurich Life Insurance Review - Global excellence in UK life insurance

Zurich Life Insurance

Zurich Life Insurance delivers comprehensive protection backed by 150+ years of global expertise. Founded in Switzerland in 1872 and operating across 210+ countries with 60,000 employees worldwide, Zurich combines international financial strength with local UK accessibility. Their impressive 98.6% life insurance claims payment rate and 90% critical illness rate in 2024 demonstrate operational excellence, with £262.7 million paid supporting 2,600+ families in 2023.

Five-star Defaqto ratings, unlimited cover amounts, and 41-condition critical illness coverage position Zurich among market leaders. With premiums from £5 monthly, free interim cover during underwriting, and comprehensive Zurich Support Services, they offer substantial protection with genuine added value.

What types of Life Insurance do Zurich provide

Asda Life Insurance focuses on term-based life protection, available in the following formats:

Level Term Life Insurance

Fixed payout throughout 5-40 years (ending before age 85). Premiums and cover remain constant for mortgage protection or income replacement.

Decreasing Term Life Insurance

Payout reduces annually to match repayment mortgages. Fixed premiums throughout make this affordable whilst covering diminishing debts.

Increasing Term Life Insurance

Cover rises annually with Retail Price Index, Average Earnings Index, or fixed percentage (5-10%) to combat inflation. Premiums increase accordingly to maintain real-world value.

Whole of Life Insurance

Lifetime coverage with guaranteed payout whenever death occurs. Available with guaranteed or reviewable premiums for flexible financial planning.

Critical Illness Cover (add-on)

Covers 41 specified conditions with full payouts, plus additional partial payment conditions. Enhanced payments of 150% (up to £200,000 maximum) for six neurological disorders including motor neurone disease.

Children's Benefit

Covers up to £25,000 (or 50% of policy sum assured, whichever is lower) if children diagnosed with same 41 critical illness conditions. Covers children until 22nd birthday.

Multi Fracture Cover

Pays £2,000-£6,000 lump sum for broken bones, dislocations, ruptured Achilles tendon, or torn knee ligaments. Available on both life and critical illness policies.

Single or Joint Policies

Available for ages 16-83 (69 with critical illness). Unlimited cover amounts—exceptional in UK market.

Policy Benefits

Unlimited Cover Amounts set Zurich apart from competitors capping coverage, ideal for high-net-worth protection.
Terminal Illness Benefit pays out with less than 12 months life expectancy.
Free Interim Cover provides up to £250,000 life cover and £150,000 critical illness during underwriting, plus up to £500,000 and £350,000 between property exchange and completion.
Zurich Support Services offer 24/7 short-term counselling and mental health support, professional consultations, and bereavement guidance.
Separation Option allows joint policies to split into individual policies without new medical information if couples separate.
Milestone Benefit enables cover increases within 90 days of significant life events without health questions.
98.6% Life Insurance Claims Rate and 90% Critical Illness Rate in 2024 demonstrate reliability.
Five-Star Defaqto Rating confirms comprehensive features.
Enhanced Neurological Payments of 150% for six specific disorders show innovative protection thinking.

What's Covered

Zurich covers death from any cause, accidental death, and terminal illness (under 12 months life expectancy).
Free interim cover protects during applications and property purchases.
When Critical Illness Cover is added, 41 full-payment conditions including various cancers, heart attacks, strokes, organ failures, and neurological conditions receive payouts, with additional partial payment conditions for less severe diagnoses.
Enhanced payments of 150% apply to six neurological disorders.
Children’s critical illness automatically covers up to £25,000.
Multi-fracture cover pays for specific bone injuries.
Pre-existing conditions assessed individually with possibility of standard rates, premium loadings, or specific exclusions.

What's Not Covered

Suicide within 12 months results in premium refunds only, not full payouts.
Non-disclosure or false information invalidates coverage with no refunds—complete honesty essential.
Policy lapses through non-payment end coverage immediately with no cash value.
Critical illness conditions not meeting exact policy definitions don’t qualify.
Less advanced cancers specifically excluded from critical illness coverage.
Conditions outside the 41 specified illnesses not covered.
Death or diagnosis after policy term ends receives no payout for term insurance.

How to get Life Insurance

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How it compares to other UK providers

Zurich’s unlimited cover amounts match LV= whilst exceeding Halifax (£500,000) and AXA (£500,000), positioning them perfectly for high-net-worth families. 41-condition critical illness coverage with enhanced neurological payments proves comprehensive—exceeding AXA’s three conditions and HSBC’s 39, though below LV=’s 63 and Vitality’s 174.

98.6% life insurance claims rate and 90% critical illness rate in 2024 lead the market, with Zurich’s £262.7 million paid in 2023 demonstrating scale. Global financial strength across 210+ countries with 150+ years’ history provides unmatched stability. Five-star Defaqto rating matches top competitors like Legal & General and Aviva.

Free interim cover up to £500,000 during property transactions exceeds most competitors. Zurich Support Services with counselling and mental health support add value beyond protection. Separation and milestone benefits provide flexibility unavailable from many providers. Competitive pricing from £5 monthly suits budget-conscious families whilst maintaining comprehensive features.

Testimonial

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secure your family’s future with confidence and peace of mind.

    
 
 
       Posted on Google  
   
   Scott Fancett 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
      Posted on Google  
   
   Morphey 
 
 
 
 Trustindex verifies that the original source of the review is Google. Perfection. Nothing more to it. Highly recommend.
  
 
      Posted on Google  
   
   Nigel Rowe 
 
 
 
 Trustindex verifies that the original source of the review is Google. Fantastic to see all of the recent reviews following the change in ownership. We will keep on doing what we do best, listen, offer best advice and deliver on our promises.
  
 
      Posted on Google  
   
   Wayne Shinn 
 
 
 
 Trustindex verifies that the original source of the review is Google. First class service, very knowledgeable explained all the covers and no pressure sales. Just wanted to ensure you had the right cover to protect you and your family.
  
 
      Posted on Google  
   
   Gerrard Ward 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great service.
Clear concise details of policies, costs and benefits and always available for any additional info requested or clarification calls. No hassle service service with no pressure to jump in and sign until you are completely satisfied with offering.
  
 
      Posted on Google  
   
   Kelly 
 
 
 
 Trustindex verifies that the original source of the review is Google. Received a call from Nigel having entered my details online.
Being a single mum I wasn’t sure what was best; I was advised on all options available for me.
All info was sent to me via email for my perusal and this was followed up with a call.
Nigel was very professional, not pushy at all! I very much trusted his advice; and I have since gone on to recommend him to my family and friends.
  
 
      Posted on Google  
   
   Danny Israel 
 
 
 
 Trustindex verifies that the original source of the review is Google. Incredibly helpful, knowledgeable and professional.
All questions answered in a timely manner, with no pressure applied.
Highly recommend Nigel and the team.
  
 
      Posted on Google  
   
   Jake Dewhirst 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have a 1 year old son so know I needed some insurance in case anything happened to me. I enquired through their website and received a call.

The advice offered was clear and made very simple. I believed that they genuinely had my best interests in mind when offering a solution.

I was sent an email and given time to decide which policy to opt for. There was no pressure and at no point did I feel rushed or obligated.

Policies taken out and very happy with service received.

Would not hesitate to recommend these guys.
  
 
      Posted on Google  
   
   Cameron 
 
 
 
 Trustindex verifies that the original source of the review is Google. I enquired for some quotes and got a call back the same day. They were extremely helpful and recommended me the best options and quotes for my circumstances. I wanted to change from my past insurer due to issues trying to get in contact, however over the last 6 months of using now Insured Life I will never look back. Never have issues getting in contact, any worries or questions I have get answered honestly and quickly and also the friendliest and most understanding insurer I’ve spoken to. Will 100% recommend this insurer to anyone looking for support.
  
 
      Posted on Google  
   
   Peter Ward 
 
 
 
 Trustindex verifies that the original source of the review is Google. The policy was discussed with me in detail and very clearly so I knew exactly what was covered in my plan. Brilliant service helped me find the best deal possible, I would highly recommend.

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