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Product and underwriting

To explain some of the new and improved protection products available and our underwriting philosophy, we have answered your most frequently asked questions.

Zurich Life Protection Platform

Occupation Guide

Use your client's occupation to check what we can offer.

BMI calculator

Work out what medical evidence is needed across a combination of benefits.


  • What changes can be made to a policy once it is issued?

    The new platform comes with extensive contractual change capability allowing you to change your customer's policies to meet their changing needs. The changes available include:

    • increases and decreases in cover
    • changes in term length
    • adding and removing benefits
    • changing increasing or decreasing rates

    You can see a complete list of what changes can be made to a Personal Protection policy and Income Protection policy by following the links below and selecting the flexibility tab.

  • How do I carry out a contractual change?

    This can be done by yourself on your portal. You need to find the policy in My Policies, then click Servicing, and then amend the policy details as desired. If the change involves an increase in risk we will carry out further underwriting to confirm whether or not we can offer the change and on what terms.

    You can see a complete list of what changes can be made to a Personal Protection policy and Income Protection policy by following the links below and selecting the flexibility tab.

  • Why have Zurich’s disability definitions changed?

    We have reviewed our critical illness offering and added a number of new conditions so this lessened the need for activities of daily living and loss of independence.

    Both activities of daily living and loss of independence were difficult conditions to claim against and we observed a higher decline rate on these conditions than others as a result. By removing them, and adding other more specific conditions instead we have improved the clarity and certainty for customers.

  • What is children’s conversion benefit?

    At age 16, any children covered by children’s benefit on an existing policy will have the ability to take out their own policy without needing to answer health and activity questions. The child will get the critical illness product that we sell at the time of conversion, with the T&Cs for that policy. This will include contractual change to allow them to increase cover if they wish. There is no waiting period, and no requirement for the parent to cancel their children's cover. It is likely that £25,000 of cover will be above minimum premiums, but we can consider concessions for any cases where the children's conversion benefit would result in a premium which is below our minimum premium.

  • What activity exclusions apply on multi-fracture cover?

    Some activities pose a higher risk of injury than others, so there are some we don’t cover. We will not pay a claim if an injury occurs while taking part in any of the following:

    • BMX or mountain biking
    • boxing
    • Gaelic football
    • horse riding
    • hurling
    • martial arts
    • cage fighting
    • motor car or motor cycle sport
    • rugby
    • shinty.


Find out more information about our underwriting terms.