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Whole of Life

Why Zurich Whole of Life?

Zurich Whole of Life cover has no upper age limit at claim, it protects your client for the whole of their life should they die or be diagnosed with a terminal illness.

Whole of life 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 whole of life protection in a way that lets your client choose the cover they want, and change it when their life changes.

Zurich Life Protection Platform

  • Summary of cover
  • Detail of cover
  • Flexibility
  • Zurich Support Services
  • Making a claim
  • Reasons why paragraphs
  • Documents

Whole of life cover                                                                 

  • Single life
  • Joint life first death
  • Joint life second death
  • Terminal illness
  • Free cover during underwriting

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

  • Waiver of premium

Choose the cover that’s right for your client                           

  • Choose cover on a single life or joint life first or second death basis
  • 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)                                                        
  • Eligibility
    • Minimum premium £8 a month or £80 a year
    • Minimum age at entry 16
    • Maximum age at entry - single person policy 83
    • Maximum age at entry - joint life first death 69
    • Maximum age at entry - joint life second death 83
    • Must be a UK resident
  • Included benefits
    Benefits Details
    Free life cover during underwriting Cover for up to £1,000,000 during underwriting.
    Single & joint life policies

    Single life – pays out on death or diagnosis of terminal illness.
    Joint life first death – pays out on first death or diagnosis of terminal illness on joint policy.
    Joint life second death – pays out on second death or diagnosis of terminal illness on joint policy.

  • Additional benefits

    Waiver of premium

    We’ll pay the premiums on the policy if your client 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.

We’ve built our products in a way that lets your clients choose the level of cover they want, and change it when their life changes. And we’ve made it much easier to do. So 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.

As an adviser you will have the ability to make changes to your client’s whole of life policy. You can access this through our online adviser portal.

  • Milestone benefit

    A lot can happen between the day your client takes out whole of life protection and the day they need to make a claim. They might get married, have a child, change jobs or get a promotion. They’ll need cover that reflects these changes.

    When significant events happen, your client can change their sum assured using the milestone benefit without answering any questions about their health. If your client uses the milestone benefit, their premiums will change.

    The significant events are:

    icon Mortgage

    Take out a mortgage or increase the mortgage they already have

    icon Become a parent

    Starting a family

    rings Marriage

    Get married or enter a civil partnership

    icon Pay rise

    Get a pay rise of 10% or more

    icon Separation

    Divorce, separate or dissolve a civil partnership

    icon Inheritance tax

    Have an increase in their inheritance tax liability

    The maximum increase your client can make to their sum assured is the lower of their original sum assured or £200,000.

    This benefit must be used within 90 days of the significant life event and can only be used if the client is 54 years old or younger. If your client is using this option in connection with an increase in inheritance tax liability, they will need to be 69 years old or younger.

  • Policy changes requiring underwriting
    • Increase the sum assured
    • Add waiver of premium
    • Review the premium if your client previously smoked
  • Policy changes not requiring underwriting
    • Reduce the amount sum assured
    • Remove waiver of premium
    • Remove increasing cover
    • Change the rate on increasing cover

Did you know?

Your client can make changes to their policy at specific points during the term.

To find out more, take a look at our Flexibility of cover guide.

Zurich Support Services is so much more than just a counselling service. We understand that there are things going on at home that can affect your client’s work-life, and also things that are going on at work that affect their personal life. Zurich Support Services aim to help them achieve a positive work-life balance.

Talk to the team about anything at any time

Your client can talk to them about anything, from daily worries to major life events. Even if the team can’t help on the call, they can point them in the direction of someone who can. Here are just some of the things people pick up the phone to talk about:

iconDaily worries

  • Looking for a job
  • Paying back debts
  • Managing household bills
  • Checking consumer rights

iconBig life events

  • Planning a wedding
  • Facing separation or divorce
  • Dealing with bereavement or loss
  • Moving to a new house

icon Emotional support

  • Coping with anxiety or depression
  • Living with illness or disability
  • Revisiting life goals
  • Asking about therapy


  • Dealing with pressure or stress
  • Balancing work with a private life
  • Facing bullying or harassment
  • Understanding employment rights

Zurich Support Services are available to your client 24 hours a day 365 days a year and can be used from the moment they take their policy out.

Find out more

If someone needs to make a whole of life claim for your client, they’ll have a lot going on, so we’ve made it as easy as we can. They’ll have their own dedicated claims specialist who’ll be with them every step of the way.

For life cover claims

Call us on: 0370 243 0827 

Or email:

For more information on making a claim, visit our claims page.

Below are a selection of reasons why paragraphs for you to use in letters to your clients.

  • Why Zurich?

    We agreed that confidence in whoever is going to provide your protection solution is important to you. With this in mind, I’m able to provide some background information about Zurich which reflects their standing in the market.

    Zurich Protection provides you with range of ways to protect yourself and your family against the financial impact of death, critical illness or loss of income through illness or injury. Zurich have built their products in a way that lets you choose the level of protection you need, and change it when your life changes.

    Zurich is a leading insurer that serves its customers in global and local markets. With about 54,000 employees, it provides a wide range of general insurance and life insurance products and services in more than 210 countries and territories. Zurich’s customers include individuals, small businesses, and mid-sized and large companies, as well as multinational corporations.

  • Whole of Life

    From our discussion I recommend you take out Zurich Whole of Life cover of £<insert level of life cover here> with Zurich. The whole of life policy has no upper age limit, it protects you for the whole of your life should you die or be diagnosed with a terminal illness.

  • Whole of Life - Waiver of premium

    You should add waiver of premium to your whole of life policy. With this benefit Zurich will pay the premiums on your policy if you’re too ill or injured to work for more than 6 months and you can't perform their current job.

  • Flexibility

    As we discussed, it’s important that your protection fits in well with your life. Zurich have built their products in a way that lets you choose the level of cover you want, and change it when your life changes. So where they can, Zurich have made it possible for you to add or remove benefits without having to answer questions about your health, or changes in your personal circumstances.

  • Additional support

    With a Zurich policy, you will have access to Zurich Support Services, an independent team of counsellors, advisers and legal experts. They offer support in the following ways:

    • Free and confidential health and wellbeing service
    • Impartial help and support on a wide range of issues
    • An independent service provided by Zurich’s partner, Workplace Options
    • Up to five sessions of professional counselling
    • Not just available at claims stage – your can use this throughout the lifetime of your policy
    • Available to you and your family with no limit on queries or issues

    Zurich Support Services is available to your client, and their family, 24 hours a day 365 days a year and can be used from the moment they take their policy out.



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