Zurich

The Zurich Life Protection Platform is our multi-benefit solution covering a range of protection products that gives you the opportunity to provide your customers with choice, flexibility and control. The Platform gives you control over the process - you can quote and apply, track the progress of applications in real time and make changes to your clients’ policies when their circumstances change.

Easier to recommend

We've developed a menu based proposition offering policy fee discounts on a range of new protection policies that have been designed to suit your clients' current and future protection needs including:

  • Income protection and income protection select both with rehabilitation support.
  • Enhanced personal protection, including critical illness and critical illness select.
  • Multi-fracture cover.
  • Improved whole of life.
  • Separate business protection and business whole of life policies.
  • Upgraded relevant life.

Throughout the life of the policy, your clients and their families will be able to use Zurich Support Services.

Easier to apply

These are some of the new developments and services that we offer that will make applying quicker and easier with the Zurich Life Protection Platform:

  • Pre-sale underwriting support.
  • Easy to use application process.
  • Online web-chat support available during application.
  • Option to delegate underwriting questions to your clients.
  • Alternative decision offered for rated cases.
  • Online capability to put policies in trust signature free.
  • Policies can be put on risk immediately.
  • Direct debits collectible any day of the month.
  • Improved adviser pipeline with real time updates.

Easier to service

We have developed a new online service providing flexibility, choice and control over your clients' policies including:

Client portal:

  • Provides access to all policy documentation.
  • Address and bank details can be amended.

Adviser portal:

  • Self-service functionality.
  • Ability to make underwritten and non-underwritten changes to your client's policy.
  • Access to online commission statements.
  • Complete oversight over all policy statuses.
  • Access to all relevant documentation.
  • Ability to tailor notifications.

Changes to the policy:

  • Increasing and reducing cover.
  • Adding and removing features and benefits.
  • Re-use of existing health information valid for 12 months.

To find out more about the Life Protection Platform and our range of protection products, please visit the Zurich Intermediary website.

We’ve built Zurich Income Protection in a way that lets your client choose the cover they want, and change it when their life changes. Both Zurich Income Protection and Zurich Income Protection Select will help support your client through life’s ups and downs. Select provides more benefits, for extra support for them and their family.

Choose the cover that's right for your client

  • Choice of a full term or 2 year limited benefit claim period
  • Choice of single or dual deferred periods
  • Option to select deferred periods of 4, 8, 13, 26, 52 and 104 weeks
  • Choice of level or an increasing cover option
  • Increasing cover options of 3%, 5% or RPI
  • Choice of monthly or annual premiums
  • Guaranteed premiums (unless cover changes or increases)

Income Protection

  • Minimum benefit guarantee
  • Rehabilitation support
  • Early claim notification
  • Waiver of premium
  • Return to work package
  • Maternity, paternity and adoption benefit
  • House person benefit
  • Doctor’s and surgeon’s package
  • Career break

Income Protection Select

In addition to all that’s included in Income Protection, your client will also be covered for these additional benefits:

  • Family carer benefit
  • Funeral benefit
  • Hospital stay benefit
  • Needlestick benefit
  • Trauma benefit

[Multi-fracture cover]
Your clients can also add Zurich Multi-fracture Cover to their Zurich Income Protection policy for an additional cost to help protect themselves if they were to break a bone, dislocate a joint, rupture their Achilles tendon or tear a cruciate ligament. There is no limit to the amount of claims they can make and they’ll receive either £2,000, £4,000 or £6,000 depending on their injury, but the total they can claim each year of the policy is £6,000. 

To find out more about Zurich Income Protection, please visit the Zurich Intermediary website.

We’ve built Zurich Income Protection in a way that lets your client choose the cover they want, and change it when their life changes. Both Zurich Income Protection and Zurich Income Protection Select will help support your client through life’s ups and downs. Select provides more benefits, for extra support for them and their family.

Choose the cover that's right for your client

  • Choice of a full term or 2 year limited benefit claim period
  • Choice of single or dual deferred periods
  • Option to select deferred periods of 4, 8, 13, 26, 52 and 104 weeks
  • Choice of level or an increasing cover option
  • Increasing cover options of 3%, 5% or RPI
  • Choice of monthly or annual premiums
  • Guaranteed premiums (unless cover changes or increases)

Income Protection

  • Minimum benefit guarantee
  • Rehabilitation support
  • Early claim notification
  • Waiver of premium
  • Return to work package
  • Maternity, paternity and adoption benefit
  • House person benefit
  • Doctor’s and surgeon’s package
  • Career break

Income Protection Select

In addition to all that’s included in Income Protection, your client will also be covered for these additional benefits:

  • Family carer benefit
  • Funeral benefit
  • Hospital stay benefit
  • Needlestick benefit
  • Trauma benefit

[Multi-fracture cover]
Your clients can also add Zurich Multi-fracture Cover to their Zurich Income Protection policy for an additional cost to help protect themselves if they were to break a bone, dislocate a joint, rupture their Achilles tendon or tear a cruciate ligament. There is no limit to the amount of claims they can make and they’ll receive either £2,000, £4,000 or £6,000 depending on their injury, but the total they can claim each year of the policy is £6,000. 

To find out more about Zurich Income Protection, please visit the Zurich Intermediary website.

The Zurich Personal Protection policy can offer life cover or life cover and critical illness. Life cover provides a sum of money to protect your client’s family should they die, or be diagnosed with a terminal illness. Critical illness cover gives your client a financial cushion to help them absorb the impact of a serious illness. We know that circumstances can change so your client can choose the cover they need, and change it when life changes.

Choose the cover that’s right for your client

  • Choice of life cover or life cover with critical illness (both options include terminal illness)
  • Monthly or annual premiums
  • Guaranteed premiums (unless cover changes or increases)
  • Choice between level, decreasing or increasing cover
  • Increasing cover options of 3%, 5% or RPI
  • Choice of decreasing interest rate between 2% and 18% (at 2% intervals)

Critical Illness cover

In additional to all that’s included in life cover, your client will be covered for:

  • 40 serious conditions
  • 2 additional payment conditions
  • 7 advanced payments
  • Free critical illness cover during underwriting
  • Free critical illness cover until mortgage completion

Critical Illness Select cover

In addition to all that’s included in Zurich Critical Illness, your clients will be covered for:

  • 51 serious conditions
  • 48 additional payment conditions
  • 10 advanced payments
  • 10 benefit uplift payments
  • 5 complications of pregnancy conditions

[Multi-fracture cover]
Your clients can also add Zurich Multi-fracture Cover to their Zurich Income Protection policy for an additional cost to help protect themselves if they were to break a bone, dislocate a joint, rupture their Achilles tendon or tear a cruciate ligament. There is no limit to the amount of claims they can make and they’ll receive either £2,000, £4,000 or £6,000 depending on their injury, but the total they can claim each year of the policy is £6,000.  

To find out more about Personal Protection, please visit the Zurich Intermediary website.

Zurich Whole of Life cover protects your client for the whole of their life should they die or be diagnosed with a terminal illness, where the life expectancy is less than 12 months.

Our Whole of Life cover is suitable for certain circumstances that your client may want to cover, such as:

  • Protecting assets through inheritance tax planning
  • Funeral planning

We’ve built our cover in a way that lets your client choose the cover they want, and change it when their life changes. Where we can, we’ve made it possible for you to make changes without having to go through underwriting and asking your clients questions about their health, or changes in their personal circumstances.
To find out more about Zurich Whole of Life, please visit the Zurich Intermediary website.

Relevant Life cover offers a tax efficient way for an employer, usually a small business, to provide life cover for an employee. It is designed to help protect their family against the impact of their death or diagnosis with a terminal illness whilst they're employed. As company directors may also qualify for this arrangement, they too can help to protect the future financial security of their loved ones this way.

To find out more about Zurich Relevant Life Policy, please visit the Zurich Intermediary website.

For intermediary use only. Not for use with your clients. Zurich Assurance Ltd. Registered in England and Wales under company number 02456671. Registered Office: The Grange, Bishops Cleeve, Cheltenham, GL52 8XX.

Zurich

Links

Zurich Customer Stories
Contact Details
General Enquiries

For all general enquiries, including existing policy enquiries
08085 546 546
 
Protection Help Point
Including Web support queries
0370 850 4419
[email protected]
[email protected]
 
Zurich Account Manager – Justin Naughton
[email protected]
07875 887818

How to Register

If you are setting up agencies for the first time with providers

Please register via Origo. Once the agency is set up, they can register on the Life Protection Platform (LPP)

If you are an adviser to a firm that already has agencies

If you already have an agency, you can request sub-agencies via email to [email protected].

If you have applied for an agency and need to be setup on a provider’s online system

Once in receipt of an agency the adviser in question should then be able to log onto the Zurich Intermediary Website and then upgrade using their agency in order to gain full access to Zurich's services.