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).
A full list of illnesses covered is listed here
Waiver of Premium - This is an automatic additional benefit. If you are unable to work due to illness or disability , Zurich Life will pay your premiums after a period of 13 weeks has passed. Payments stop on earliest of recovery, end of policy term , 60th birthday or death.
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.
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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