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Zurich Life Joint Convertible Term Life Insurance (with Serious Illness)
Bonus Benefits
Bonus Benefits
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 not 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.
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).
If your child dies during the term of your policy, a sum of €6,000 will be paid out
This option allows you to convert your cover to another policy without having to provide new evidence of health
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.
If you have availed of joint life cover with accelerated serious illness and either person is diagnosed with a specific serious illness within the term of the policy, a payment is made, the serious illness portion of the policy ceases and the life sum insured is reduced by the amount of the claim.
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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