Large case underwriting
We have a specialist underwriting service for clients who need a large sum assured. Each large case application will be managed by our expert underwriters who have a minimum of 15 years experience each in dealing with complex underwriting requirements.
What applications will be referred to our specialist large case underwriters?
Applications for a life assured will be referred to our large case team where:
- The total sum assured for policies with Life Cover including Whole of Life is more than £1.5m.
- The total sum assured for Critical Illness policies is more than £1m.
- The total annual benefit for Income Protection is more than £60,000.
- Or the total monthly premium is £250 or more.
What enhanced services can I expect from large cases with Zurich?
As each large case will be unique to you and your client we aim to make the underwriting process as straightforward and convenient as possible for everyone involved.
- You have access to a dedicated large case underwriting team who are experienced in dealing with large cases.
- Our large case underwriters can discuss individual cases with you where we have offered non-standard terms which will help you when you discuss the terms with your client.
- We try to make sure your clients only attend one medical appointment.
- If an application refers we will review this by the end of the following working day.
- We can use a travelling or independent doctor, private medical providers or own-doctor medicals if needed to speed things up.
- If we can't offer the cover you requested, we’ll always tell you what cover we can offer which may include removal or restrictions on some benefits or a reduced level of cover.
Why choose Zurich for your large cases?
Of course, you'll want your clients to be in the best possible hands, here's a few reasons why that could be Zurich:
- Senior underwriters with over 15 years experience
- Access to a dedicated underwriting team
- No financial questions until cover is over £2m for life and £800,000 for Critical Illness
- No financial questions for Income Protection
- Free underwriting cover up to £1.5m for Life and £500,000 for Critical Illness while we collect any evidence and make a decision
- We aggregate sums assured by customer, not by policy owner
- We can offer Whole of Life sum assureds up to £44m, and Critical Illness up to £5m
- Dedicated technical team for complex trust, tax and propositional questions
- Access to a bespoke medical clinic in London
- Simple online journey for trust and tax planning when the Rysaffe principle is used
- Best pricing where appropriate
