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Convertible Dual Life and Standalone Serious Illness (with Indexation)

Bonus Benefits
About the Policy
  • Zurich Life Assurance plc
  • A lump sum will be paid out if you die within the term of the policy or suffer a specified illness within the term of the policy

  • Your premium will change throughout the term of your policy

  • This policy is suitable for family protection, business protection and interest-only mortgages needs to on all life insurance plans

  • Additional Benefits include Guaranteed Insurability Option, Waiver of Premium and Reinstatement Clause

  • You cannot convert the Serious Illness part of the policy ONLY the Life part.

Features

Terminal Illness Benefit

If you are diagnosed with a terminal illness your full life cover sum will be paid out. (This benefit ends twelve months before the end of the term you have chosen).

Childrens Life Cover

If your child dies during the term of your policy, a sum of €6,000 will be paid out

Convertible

This option allows you to convert your cover to another policy without having to provide new evidence of health

Indexation

Indexation ensures that your cover increases by 3% and your premium increases by 4.5% each year. The indexation rate only applies in year 2 of the policy. This helps to protect the real value of your cover as time passes.

Serious Illness
  • If you are diagnosed with one of 70 specified serious illnesses during the term of your policy, a lump sum will be paid out

A full list of illnesses covered is listed here

Bonus Benefits
  • Reinstatement Clause - This is an automatic additional benefit. You have 90 days to reinstate your policy after your first missed premium payment. Furthermore it can be reinstated even if an claim has arisen. However it cannot be reinstated if Zurich Life has received a written request from you to cancel the policy.

Guaranteed Insurability Option

This is an automatic additional benefit. This allows you to increase your Life, Serious Illness and Permanent Total Disablement (Own Occupation) benefits by the lesser of 50% of the original benefit at the start date of the policy and €100,000 without underwriting in the event that you gain approval for a new mortgage or increase in an existing mortgage and subsequently draw down these funds. The total maximum increase across all options over the life of the policy is the lesser of €200,000 and the original sum insured at the policy start date.

Quotation is valid for 7 days or until age next quarter (whichever is sooner). This quotation assumes that you are accepted by the insurance company at standard rates.

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