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discounted, life, insurance, zurich, protect, loved, ones


  • 15% off life insurance from Zurich

  • Shape your Life Insurance to suit you

  • No unwanted sales calls

  • Free family counselling services included

Benefit info

The last thing you want is for your loved ones to be worried about money in the event of your death. That's why Zurich provide you with different levels of cover to match your needs.

As a member benefits premium member, you'll get up to 15% off life insurance from Zurich, making it even easier to be properly prepared. You'll also get exclusive access to free family counselling services, should the need arise. 

Your insurance pays out if you pass away before it expires, or if you're diagnosed with a terminal illness and given less than twelve months to live. Plus, with payment protection available, you can guarantee yourself an income if you're unable to work due to illness or injury.

As with many insurance products, there is some paperwork to read. You can read the key features of the Adaptable Life Plan here or the Decreasing Mortgage Cover Plan and the Level Protection Plan here.

Your savings...

A 40 year old non-smoker purchases a policy with £100,000 of cover over a term of 25 years. The monthly premium is £10.30 per month, the premium after 15% discount the premium is £7.73. This equates to a saving over the 25 years of £771.


What is Life Insurance?

Life Insurance, also known as term insurance or life assurance will provide a sum of money in the event of death during the term of the policy. This cash lump sum is paid tax free and can be used by your dependents however they choose.

What is a Level Term Assurance policy?

A Level Term Assurance policy is where the amount of cover (also known as “sum assured”) stays the same throughout the length of the policy. Both the sum assured and the term are set at the start of the policy. Level term assurance is often taken out to provide financial security to your family or to help pay off a mortgage and is most suited to interest only mortgages.

What is a Decreasing Term Assurance policy?

A Decreasing Term Assurance policy pays out a cash lump sum in the event of death, however the amount paid out decreased over time. These policies are usually taken alongside a repayment mortgage so that the amount paid out is the same as the amount left on the mortgage. As the amount of cover decreases over time, the premiums for decreasing cover are typically cheaper than they are for level term cover.

What is Critical Illness Cover?

Critical illness cover pays out a cash sum if you get one of the many critical illnesses covered by the plan - illnesses such as cancer, a heart attack or a stroke (subject to your plan's terms and conditions). Bear in mind, not all conditions are covered.

A cash sum can help remove some of the financial and emotional stress associated with a critical illness - to enable you to take the time off work, to help pay for specialist treatment and help cover day- to-day household bills such as childcare or to pay for that once in a lifetime big holiday.

What is Whole of Life Cover?

Whole-of-life insurance is designed to last as long as you do. You pay a premium every month and when you die, the policy pays out a lump sum to your loved ones.

Who is insured?

You can buy Life Insurance for yourself and you will be the person insured. If you have a partner, you can buy it as a joint life insurance. It insures both people but will only pay once. The insurance will then stop.

How do I pay for the Life Insurance?

Zurich will collect monthly or annual payments for you by direct debit to pay for your insurance until the date your insurance ends.

What happens if I miss a payment?

If you stop making payments, your cover and plan will end 30 days after the last payment was due. You won't get back any of the payments you've already made.

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