Zurich Life Insurance UK is an insurance company offering plans for UK residents and NRIs (Non-resident Indians). The company has over 4,500 employees in the country, with the head office based in Swindon. It is one of the world’s leading insurers, providing insurance solutions for individuals, companies, and multinational corporations.
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Founded in 1872, Zurich Life Insurance is one of the world’s leading insurance providers, offering comprehensive plans that protect customers and their dependents in case of an eventuality. The company settled around 98% of death claims in the year 2022, which proves that they are a reliable insurer from which to buy insurance. As an NRI living in the UK, your family’s financial security must be your priority. Thus, you must look for a suitable term insurance plan.
Term Plans
The following are the benefits and key features of Zurich life insurance plans:
Financial Security: Zurich Life Insurance provides a safety net for your loved ones in the form of death benefits, ensuring they are financially secure in the event of your passing.
Comprehensive Coverage: Zurich life plans typically provide many benefits, including terminal illness and joint cover, ensuring comprehensive coverage for the policyholders.
Cover for your Children: By adding the children’s benefit, you can get up to £25,000 if your child is diagnosed with one of the 41 conditions covered by life insurance with critical illness cover plans.
Multi-fracture Benefit: With the multi-fracture cover, the lump sum amount of £6,000 will be paid in case you break a bone, dislocate a joint, rupture your Achilles tendon or tear a knee ligament.
Life Stage Benefits: At different stages of life, like buying a new home or having a baby, the policy allows you to increase the cover amount at increased premiums.
Separation Benefits: If you have a joint policy and you separate or divorce, you can cancel the policy and start individual life insurance plans for one or both partners without providing any more medical information.
Customisable Plans: Tailor your insurance coverage to suit your unique needs and circumstances, whether protecting your family's future or planning for retirement.
Additional Riders: Zurich offers various add-on options, such as critical illness benefits, to enhance coverage and provide extra support when needed.
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Zurich Life Insurance UK offers the following types of life insurance plans:
Offers a lump sum amount in case of your unfortunate death or diagnosis of a terminal illness with less than 12 months to live
Helps your family pay mortgage or other financial commitments that you may leave behind and pay for monthly financial needs and obligations
Customisable and flexible cover options to fit your needs and requirements
An optional cover is also available for broken bones, dislocations, and ligament damage
Provides a lump sum in case of your unfortunate death, terminal illness diagnosis, or critical illness diagnosis that is covered under the plan
Helps recover from the financial setback of serious illnesses like cancer, heart attack, or stroke
You can only get critical illness cover with a life insurance policy
You can select the amount of cover you want and the tenure of the cover as well
The plan allows you to extend the cover to your children as well
Here is a list of term life insurance cover options offered by Zurich Life Insurance:
In level Zurich Life policy, the sum assured remains constant, along with the premiums, throughout the policy term.
The plan pays a lump sum on death or diagnosis of a terminal illness with less than 12 months to live.
If you have opted for Zurich Life + critical cover, the plan will also pay for the diagnosis of a critical illness.
The plan suits those who want to protect their family, have loans, or have an interest-only mortgage.
You can get a single or joint cover that covers you and your partner.
You can choose the rate at which the life cover should increase each year
The policy pays a lump sum on your death or if you are diagnosed to be terminally ill with less than 12 months to live
In case you have opted for life cover + critical cover, the policy will also pay on the diagnosis of a critical illness
The plan is suited for people who want protection against the rising cost of living
You can choose to have a single life cover or a joint life cover for you and your partner
The Zurich life cover decreases yearly, with the final sum assured reaching zero at the end of the policy term.
The plan pays a lump sum on terminal illness or death of the policyholder
For Zurich life policy + critical illness cover, the plan will also payout on the diagnosis of a critical illness
Suited for people who want security against repayment mortgage
You can opt for a single or joint life cover to protect you and your partner
You can get Zurich Life insurance quotes by giving the information about the cover tenure, level or increasing premiums, decreasing premiums, or increase to keep pace with inflation.
For Non-Resident Indians (NRIs) in the UK seeking term life insurance, exploring options from India presents an alternative avenue. This allows NRIs to potentially access policies tailored to their needs and preferences, considering their familial ties and financial commitments in India.
Yes. NRIs in the UK can also buy term life insurance from India to protect the family financially.
The reason NRIs consider buying term insurance from Indian insurers -
NRIs can buy term insurance in India from Indian insurers at affordable premiums.
Indian insurers understand the needs of NRI customers and offer plans designed to fit their requirements.
A term plan bought from India provides global coverage, i.e., your family is protected even when you change base locations.
The claim settlement ratio in India is as high as 99.5%, and the process is extremely smooth.
Being an NRI, you can additionally save up to 18% on your premiums because of the GST waiver available for NRIs
You can buy term life insurance for NRIs from Policybazaar online in India by following the below steps:
Step 1: Go to the official website of Policybazaar and click on the ‘Term Insurance for NRI’
Step 2: Fill in your name, gender, phone number, email address, and select the country as UK
Step 3: Opt for the suitable option for educational background, smoking habits, annual income, and occupation type
Step 4: Choose the most suitable term life insurance plan and proceed to pay
While Zurich Life Insurance offers robust coverage options, exploring term life insurance from India via Policybazaar can be a beneficial alternative for NRIs in the UK. By leveraging Policybazaar's platform, NRIs can navigate the insurance landscape effectively, ultimately securing comprehensive protection for themselves and their families.
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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