Life Insurance
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What you need to decide...
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How much cover do you need and for how long?
You can choose the length of insurance in years or whole of life cover -
Do you require cover over a Level term or Decreasing term?
You can choose cover which pays a fixed amount or decreases in line with your mortgage -
Do you want to include Critical illness cover?
You will receive a lump sum if you are diagnosed with a critical illness that meets the plan definition
* How the saving is calculated
Saving illustrates a total saving over the term of the policy
Illustration based on Life insurance (including earlier terminal illness) 40-year-old, non-smoker, £250,000 sum insured, over a term of 30 years
Normal quote monthly premium £25.09
Total premiums payable over the term £9,032.40
Discounted (10%) monthly premium £22.58
Total premiums payable over the term £8,128.80
Saving over the term £903.60
Figures correct as of December 2019
Premiums provided are indicative only and are based on this example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.
What's included with your Zurich cover?
- Zurich Support Services – a free, professional and confidential counselling support service that you and your immediate family can use
- Guaranteed Insurability Options – cover can be increased without the need for you to provide further health details*
- Free cover between exchange and completion of house purchase*
- Terminal Illness cover included for the full term of the policy
- No obligation Trust service
* Please read the key features of the Adaptable Life Plan or the Decreasing Mortgage Cover Plan and the Level Protection Plan.
Please keep in mind
- If you decide to apply for this life insurance you will need to provide additional personal information such as your occupation and health information. This could result in the final price being higher than the initial quick quote and/or the plan being accepted on special terms
- If you cancel your policy there is no cash-in value, this is not a savings policy
- Cover will end if you don’t make monthly payments
- Inflation will reduce the spending power of your cover
Zurich Assurance Ltd is part of the Zurich Group which is one of the world’s largest insurance groups. Future Proof provides expert advice for Life Insurance, Critical Illness cover and Income Protection, as well as Business Protection and Keyperson Insurance.
What will insurers look at?
Insurers will look at your age, health and occupation when assessing your application
Contact us for expert advice on FREEPHONE 0800 644 4468 if you have:
- suffered or are suffering from a serious medical condition
- a job which is very dangerous or physical
- a high-risk hobby or sport
- a family history of hereditary conditions
Who are Future Proof?
Future Proof was established in October 2011. We provide expert advice on Income Protection Insurance, Critical Illness Insurance, Life Insurance and Gift Inter Vivos Insurance. We also provide advice on Business Protection Insurance and Key Person Insurance.
We are advisers, not salespeople. You and your family come first and are at the heart of any advice that we provide. We like to think that we are friendly, approachable and professional and are extremely proud to have been named as the winner of several industry awards. Awards here. This recognition underpins our commitment to provide the best level of service we can.
Benefit Hub is a registered introducer of Future Proof Ltd who are appointed representatives of St. James’s Place Wealth Management plc.
Frequently asked questions
What is life insurance?
Life insurance, also known as term insurance or life assurance will provide a sum of money in the event of death during the term of the policy. This lump sum is paid tax-free and can be used by your dependents however they choose.
What is a level term assurance policy?
A Level Term Assurance policy is where the amount of cover (also known as “sum assured”) stays the same throughout the length of the policy. Both the sum assured and the term are set at the start of the policy. Level term assurance is often taken out to provide financial security to your family or to help pay off a mortgage and is most suited to interest-only mortgages.
What is a decreasing term assurance policy?
A decreasing term assurance policy will provide a sum of money in the event of death and can be used with a repayment mortgage. The amount known as the ‘sum assured’ decreases in line with the total mortgage owed. If you choose a decreasing sum assured, your premium will remain level. This is the cheapest type of life insurance.
What is critical illness cover?
Critical illness cover pays out a lump sum if you are diagnosed with one of the many critical illnesses covered by the plan – illnesses such as cancer, a heart attack or a stroke (subject to your plan’s terms and conditions). Bear in mind, not all conditions are covered.
A cash sum can help remove some of the financial and emotional stress associated with a critical illness – to enable you to take the time off work, help pay for specialist treatment or help cover day-to-day household bills such as childcare or to pay for that once in a lifetime big holiday.
What is whole of life cover?
Whole-of-life insurance is designed to last as long as you do. You pay a premium every month and when you die, the policy pays out a lump sum to your loved ones.
Who is insured?
You can buy Life Insurance for yourself and you will be the person insured. If you have a partner, you can buy it as a joint life insurance. It insures both people but will only pay once. The insurance will then stop.
How do I pay for life insurance?
Zurich will collect monthly or annual payments for you by direct debit to pay for your insurance until the date your insurance ends.
What happens if I miss a payment?
If you stop making payments, your cover and plan will end 30 days after the last payment was due. You won’t get back any of the payments you’ve already made.
Waiver of payment benefit
This means we make your payments to the plan for you if you are incapacitated and can’t perform your own occupation due to illness or injury.
