Zurich Life Insurance Review 2025

“Zurich” is an international provider of financial services.

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“Zurich” is an international provider of financial services. The company was founded in 1872 in Switzerland.

The company offers its clients a wide range of services: life and non life insurance, pension plans and investment options.

At the moment the company operates in 4 regions: Europe and Africa, North America, Latin America and Asia Pacific.

“Zurich” hires about 60000 employees in more than 170 countries and has an AA- stable credit rating indicating the company’s reliability.

The company works with everyone: individuals, small and medium sized companies, global corporations.

Life subdivision of “Zurich” offers 4 life plans: Level Protection Plan, Decreasing Mortgage Cover Plan, Adaptable Life Plan and Income Protection Plan.

Zurich level protection plan

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Level Protection Plan is designed to protect families, businesses, and interest-only mortgages upon the death of the insured person.

The cover of level protection remains constant throughout the policy term.

The premiums for this plan are guaranteed not to increase, allowing individuals to plan their future finances without worry.

However, there is also an option to choose reviewable premiums.

This option can be useful for individuals who cannot afford high initial premiums but are confident that future premium increases will not become a financial burden.

It is important to be aware that the real value of the life cover will decrease over time due to inflation.

Therefore, it is crucial to choose an appropriate coverage amount, considering the potential depreciation of its value.

The plan can include Payment Protection Benefit.

This benefit provides a monthly income if the policyholder is unable to work due to illness, accident, or injury.

Furthermore, policyholders can also opt to renew their plan at the end of the term.

This is a significant benefit as it ensures the opportunity to extend coverage and avoid becoming uninsurable.

Additionally, the Lifetime Protection benefit can also be added. This benefit allows policyholders to transform their existing level life insurance into a whole of life insurance product and remain insured for life.

Zurich decreasing mortgage cover plan

Decreasing Mortgage Cover Plan is designed for people who want to protect their loan or mortgage that decreases over time.

Similar to the Level Protection Plan, policyholders can choose between guaranteed and reviewable premiums and add the Payment Protection Benefit.

This plan offers critical illness cover, life assurance cover, or a combination of both.

Life assurance provides a lump sum payment if the policyholder dies during the policy term or is diagnosed with a terminal illness.

However, the terminal illness diagnosis must be made at least 12 months before the policy termination.

Critical illness cover enhances the life assurance plan by providing protection against illnesses listed as critical illnesses.

Zurich adaptable life plan

We compare plans from the leading life insurance providers

Adaptable Life Insurance Plans are designed to provide lifelong protection.

The plan continues until the policyholder’s death or until premium payments cease. Policyholders can choose between guaranteed and reviewable premiums.

Similar to the previously described plans, the Adaptable Life Plan provides a lump sum payment upon the policyholder’s death or diagnosis of a terminal illness.

Zurich defines terminal illness as an incurable disease expected to result in death within 12 months.

Zurich income protection plan

The Income Protection Plan allows policyholders to insure their business or personal income.

This plan provides a predetermined payment if the policyholder is unable to work due to accident or injury.

Furthermore, for businesses using the Income Protection Plan, payouts are provided if a key person is unable to work due to serious health issues.

When purchasing this plan, policyholders need to specify contract conditions such as the desired benefit amount, payment period, deferred period, and contract duration.

The Income Protection Plan coverage can be adjusted over time. Zurich advises clients to regularly review their coverage to ensure it remains sufficient to replace their income.

Defaqto Ratings for Zurich Life Insurance – 2025

Defaqto ratings are an independent assessment of financial products, helping consumers understand the quality of different offerings. A 5-star rating indicates an excellent product with a comprehensive range of features. These ratings are current as of March 7, 2025.

Zurich has consistently achieved high Defaqto ratings across its key life insurance products. Many of their plans have secured the highest 5-star rating, demonstrating strong product quality. For example, Zurich’s Whole of Life Assurance, Critical Illness (standalone), and Income Protection all hold 5-star ratings.

Compared to competitors, Zurich stands out positively. While Aviva and Legal & General also have numerous 5-star rated plans, Zurich’s consistent 5-star performance across a broad range of core protection products is notable. AIG Life, another major player, also has strong ratings, but Zurich maintains a competitive edge in key areas.

For consumers, these high Defaqto ratings for Zurich translate to confidence in the quality and comprehensiveness of their life insurance policies. Choosing a highly-rated product can provide peace of mind, knowing the policy offers robust protection and a wide array of features. When comparing policies, looking for strong Defaqto ratings is a valuable step in making an informed decision.

Defaqto ratings

Type Plan name Rating
Critical illness (standalone) Personal Protection (CI + CI Select) 5
Critical illness (standalone) Personal Protection (Critical Illness) 5
Critical illness (decreasing) Life Protection 3
Critical illness (decreasing) Personal Prot (Life Cover With CI & CI Select) 5
Critical illness (decreasing) Personal Prot (Life Cover With CI) 5
Critical illness (level term) Life Protection 3
Critical illness (level term) Personal Prot (Life Cover With CI & CI Select) 5
Critical illness (level term) Personal Prot (Life Cover With CI) 5
Critical illness (direct with life cover) Life Protection 4
Income protection Income Protection 5
Income protection Income Protection Select 5
Life assurance (direct) Life Protection 5
Life assurance (decreasing) Life Protection 3
Life assurance (decreasing) Personal Prot (Life Cover With CI & CI Select) 4
Life assurance (decreasing) Personal Prot (Life Cover With CI) 4
Life assurance (level term) Life Protection 3
Life assurance (level term) Personal Prot (Life Cover With CI & CI Select) 5
Life assurance (level term) Personal Prot (Life Cover With CI) 5
Whole of life assurance Whole Of Life 4
Whole of life assurance Business Whole Of Life 5