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Zurich increases non-medical underwriting limits for under-50s

05 October, 2023

Protection Underwriting

Zurich has made changes to its life non-medical limits for people under the age of 50, increasing the value of cover available without requiring medical evidence.

The changes affect the first level of evidence – the nurse medical exam – and the insurer said this would mean medical evidence will be needed less frequently at the point of sale.

“We’ve completed a full review of our customer journey and looked at ways we can make it easier for customers to obtain cover,” Zurich said.

“Following this, we have made some changes to our life non-medical limits for the under 50s.”

“The point at where we are requesting these has moved up, therefore we will be requesting less evidence at point of sale” it added.

Age group	Past	New
16-29	900,001	1,000,001
30-34	825,001	900,001
35-39	750,001	750,001
40-44	500,001	550,001
45-49	400,001	500,001

“For example, for ages 45 to 49, the first point we will look to get evidence for non-medical limits is now £500,001 up from £400,001,” Zurich said. (see table above).

There will be no changes for people in the 35 to 39 age group or for people over the age of 50.