Zurich Life Insurance

Zurich Life Insurance products are all offered under their Wealth Protection Plan. Please refer to the Product Disclosure Statement for further detail.

Life insurance Overview

Zurich refer to Life insurance as Death Cover.

Built-in Benefits

The following benefits are built into Zurich’s Life insurance plan:

Death benefit
A lump sum payment on death.

Terminal illness benefit
An advance payment of the Death benefit on terminal illness.

Accidental injury benefit
An advance payment of the Death benefit if the life insured suffers a specified injury.

Advancement for funeral expenses
An advance payment to cover expenses.

Buy back death benefit
Death cover can be reinstated following a Trauma claim.

Future Insurability benefit (business)
Increase cover without underwriting at certain times.

Inflation protection
Cover will increase every year unless declined by you.

Future Insurability benefit (personal)
Increase cover without underwriting at certain times.

Financial planning advice benefit
Reimburses the cost of advice.

Premium freeze
Freeze the amount you pay by reducing your cover.

Interim cover
Puts some cover in place as soon as you apply.

Benefits at additional costs

The following benefits are available at an additional cost:

Premium waiver option
Pays premiums if the life insured is disabled and cannot work.

Accidental death option
Extra cover for death due to accident.

Living activities TPD option
A lump sum payment on the life insured’s inability to perform at least two activities of daily living, cognitive impairment or specific loss.

Business future cover option
Increases cover without health evidence each year.

Needlestick cover option
A lump sum payment on occupationally acquired HIV, Hepatitis B or C.

Insured child option
Includes death, terminal illness and trauma benefits for each child you insure.

Accelerated buy back death option
Early reinstatement of Death cover following a Trauma claim.

 

Zurich contact number – 131 551

Zurich Product Disclosure Statement – PDS

Zurich website – www.zurich.com.au

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