Why Zurich Business Protection?

Life cover:

• Free Life cover during underwriting
  For up to £2,000,000.

Life cover and Critical Illness cover or Critical Illness cover:

• 39 full payment conditions
  Including cancer, heart attack, stroke and multiple sclerosis.
• 2 additional payment conditions covered
  We will pay the lower of £25,000 or 25% of the current sum assured if they are diagnosed with less advanced cancer of the breast or prostate. This won’t impact their ability to claim on their main benefit.
• 7 advanced payments
  If your customer is put on an NHS waiting list for 1 of 7 major operations to treat one of these conditions, we'll pay the cover amount straight away.
• Free Critical Illness cover during underwriting
  For up to £350,000.

Additional benefits that can be added to the policy at an extra cost.

Critical Illness select:

• A total of 49 full payment conditions and 32 additional payment conditions paying the lower of £25,000 or 25% of the current sum assured.
• 10 advanced payment conditions that pay out on being placed on an NHS waiting list.
• If the employee is diagnosed with 1 of the 10 life-changing conditions included in the cover before your employee's 50th birthday, we'll pay up to £100,000 on top of your client's cover amount.
• If the employee is diagnosed with 1 of 5 specified complications of pregnancy conditions before the age of 45, we'll pay £5,000.

Children’s benefit can be added to policies that include critical illness and covers natural, step or adopted children, any children under their legal guardianship and/or any future children of the life assured or their partner for the following:

• Covered from birth to their 22nd birthday.
• Covered for the 41 conditions under Critical Illness.
• £5,000 Children’s death benefit (from 30 days to 22nd birthday).
• Each child can take out a policy of their own up to £25,000 of cover after their 16th birthday free of underwriting.

If your customer chooses Critical Illness select and adds cover for the life assured’s children, they will get enhanced children’s benefit.

• Covered from birth to their 22nd birthday.
• Covered for the 81 conditions under Critical Illness select plus 6 child specific conditions.
• £5,000 Enhanced children’s death benefit (from 24th week of pregnancy to 22nd birthday).
• Each child can take out a policy of their own up to £25,000 of cover after their 16th birthday free of underwriting.
• Double child cancer payment of up to £50,000 (excluding less advanced cases).
• Double child treatment overseas payments of up to £50,000.

Total permanent disability

• We'll pay your customer the cover amount if the insured employee can't do their current job ever again, or cannot perform 3 of 6 listed work tasks, before their 71st birthday, because of illness or injury.

Waiver of premium

• We'll pay the premiums on the policy if the employee is too ill or injured to work for more than 6 months and they can't perform their current job. For joint policies, this benefit can be added for either or both lives assured.

Conversion option

• Your client can convert their policy to a Zurich Business Whole of Life policy without the employee answering any questions about their personal circumstances. Only available on Life cover only policies which have level or increasing cover.

Renewal option

• Your customer can extend their current policy with the same terms when their cover ends without the employee answering any questions about their personal circumstances. Only available on policies which have level or increasing cover.