Life Protection
OUR ASSESSMENT
Zurich adds a mainstream choice with several benefit trajectories. Compare both the insured amount and premium path over the full term.
Features to compare
- Single or joint term cover can be level, decreasing or increasing, with qualifying terminal-illness protection.
- Life-only and life-with-critical-illness options are available; multi-fracture cover is an optional extra.
Limitations and checks
- Increasing cover also increases the premium. Support services are separate from the insurance contract and can change.
The question to ask
How would the insured amount and premium change each year on the increasing option?
Before arranging cover
Use the current policy wording and your quotation schedule to confirm these points. Our assessment is desk research, not a first-hand claims test or a personal recommendation. We have not assigned a product score or established comparable claims-service performance.
Sources & further reading
Checked 2026-09-27. Policy terms and source ratings can change.
Provider information checked 2026-09-27. The linked provider information supports the product summary; the assessment and questions are Coverwell editorial analysis. Availability and accepted terms depend on the quotation.
