About Zurich

Zurich life insurance overview

Zurich is one of the world’s largest insurer groups, headquartered in Zurich, Switzerland, and founded in 1872. It now offers life insurance products and services in over 215 countries. Zurich is on a mission to become the UK’s leading financial services provider, committed to ‘doing the right thing, in the right way and for the right reason’.

Zurich life insurance policy features

If you buy life insurance through Zurich, your policy is likely to come with the following features:

Guaranteed premiums The amount you pay every month in life insurance premiums is guaranteed to stay the same for as long as you hold the policy.
Guaranteed insurability This means you’d have the opportunity to increase your life insurance cover after certain life changes. In a Zurich policy, this includes: getting married or entering a civil partnership; becoming a parent; getting a significant pay rise; and taking out a new mortgage or increasing your mortgage.
Payment delay You’ll be able to delay the payment of your monthly life insurance premiums beyond your usual pay date – giving you a little extra flexibility, if needed.
Terminal illness benefit If you fall terminally ill while you hold a Zurich life insurance policy – in other words, a doctor has said you have 12 months or less to live – you can claim the lump sum early, on diagnosis.
Waiver of premium Most life insurance policies come with this handy add-on that means you won't be required to pay your monthly premiums if you're off work for medical reasons. You usually need to be off for a certain amount of time before you can claim this benefit.

Zurich life insurance extra benefits

Zurich life insurance policies also come with extra benefits, outlined below. These features are ‘non-contractual’, which means they’re not related to the contractual conditions of your own policy, and are usually provided by a third party. Everyone is eligible for them – though they’re usually only made available if you buy your Zurich policy through an adviser.

Zurich support services 24/7 access to an independent team of counsellors, advisers and legal experts for you and your family. This includes support for carers, life coaching, debt and money management, legal information, and up to five counselling sessions.

Zurich life insurance claim rate

In 2018, Zurich paid out 99% of life insurance claims. The 1% of claims not paid out are caused by misrepresentation (i.e. providing inaccurate information when you apply for the policy) or because the claim didn’t meet the required definition stated in the policy.

Zurich life insurance prices

The following prices are based on:

  • Healthy 25-year old male or female
  • £150,000 of level life insurance cover
Term Non-smoker Smoker
10 years £7.10 £8.50
20 years £7.30 £8.70
30 years £7.50 £9.70
  • Healthy 25-year old male or female
  • £250,000 of level life insurance cover
Term Non-smoker Smoker
10 years £9.50 £11.70
20 years £9.70 £11.90
30 years £10.10 £13.90
  • Healthy 35-year old male or female
  • £150,000 of level life insurance cover
Term Non-smoker Smoker
10 years £9 £13.50
20 years £9.30 £16
30 years £10.70 £20.10
  • Healthy 35-year old male or female
  • £250,000 of level life insurance cover
Term Non-smoker Smoker
10 years £12.40 £19.30
20 years £12.90 £23
30 years £15 £29.30

Quoted on 14/02/2020

Need help buying life insurance?


It’s important to make an informed decision when buying life insurance – which is where Anorak can help. We scan all the major insurers to match you to the products most suitable for you, based on your unique needs. We give you peace of mind about who to go with (especially if your most suitable policy is from an insurer you’ve not used before).

Good to know: Our recommendations are regulated, completely impartial – and free. And we also have a team of human advisers who can help over the phone, if you prefer.

This review is intended for informative purposes only and does not constitute advice.