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Mortgage Protection with Serious Illness

Bonus Benefits

About the Policy

Zurich Life Assurance plc

  • Your life cover will decrease throughout the term of your policy
  • A lump sum will be paid out if you die within the term of the policy
  • Your premium will not change throughout the term of your policy
  • Your policy can be assigned to your lender (the proceeds of any claim would be paid to your lender to clear your mortgage)
  • Your cover can be a single or joint policy
  • Free waiver of premium, meaning that you will be under no obligation to pay premiums in the event that you become too ill to work after a period of 13 weeks has passed.
Benefits

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).

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

  • 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.

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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