Business Whole of Life

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Why Zurich Business Whole of life?

Zurich Business Whole of Life cover is suitable for certain circumstances that your business client may want to cover, such as protecting a key individual should they die or be diagnosed with a terminal illness.

We’ve built our business whole of life protection in a way that lets your business client choose the cover they want, and change it when their employee's life changes.

Zurich Life Protection Platform

  • Summary of cover

    Whole of Life cover

    • Single life
    • Joint life first death
    • Terminal illness
    • Free cover during underwriting

    Additional benefits that can be added on to the policy at an extra cost:

    • Waiver of premium

    Choose the cover that’s right for your business client

    • Choose cover on a single life or joint life.
    • Choice of level or an increasing cover option.
    • Increasing cover options of 3%, 5% or RPI.
    • Monthly or annual premiums.
    • Guaranteed premiums (unless cover changes or increases).
  • Details of cover


    Life cover Age at policy start
      Minimum Maximum
    Single person policy 16 83
    Joint life first death policy 16 69

    • Minimum premium £8 a month or £80 a year
    • UK resident

    Included benefits

    Benefits Details
    Free life cover during underwriting Cover for up to £2,000,000 during underwriting.
    Single & joint life policies
    • Single life – pays out on death or diagnosis of terminal illness.
    • Joint life first death – pays out on first death or diagnosis of terminal illness on joint policy.
    Terminal illness Pays out upon diagnosis of a terminal illness.

    Additional benefits

    Waiver of premium

    We’ll pay the premiums on the policy if the employee is too ill or injured to work for more than 6 months and they can’t perform their current job. For joint policies, this benefit can be added for either or both lives assured.

  • Flexibility

    We’ve built our products in a way that lets your business clients choose the level of cover they want, and change it when their employee's life changes. And we’ve made it much easier to do. So where we can, we’ve made it possible for them to make changes without having to go through underwriting and asking questions about the employee's health, or changes in their personal circumstances.

    As an adviser you will have the ability to make changes to the whole of life policy. You can access this through our online adviser portal.

    Milestone benefit

    When significant events happen, the milestone benefit can be used to increase the sum assured without any questions about the employee's health.

    • An increase in the value of the business
    • Increase in the value of a key individual to the business

    The maximum increase that can be made to the benefit amount is the lower of the original sum assured or £200,000.

    This benefit must be used within 90 days of the significant event and can only be used if the employee is 54 years old or younger.

    If your client uses the milestone benefit, their premiums will change.

    Policy changes requiring underwriting

    • Increase the sum assured
    • Add waiver of premium
    • Review the premium if your client previously smoked

    Policy changes not requiring underwriting

    • Reduce the sum assured
    • Remove waiver of premium
    • Remove increasing cover
    • Change the rate on increasing cover
  • Zurich Support Services

    Zurich Support Services is so much more than just a counselling service. We understand that there are things going on at home that can affect the employee’s work-life, and also things that are going on at work that affect their personal life. Zurich Support Services aim to help them achieve a positive work-life balance.

    Talk to the team about anything at any time

    Your client can talk to them about anything, from daily worries to major life events. Even if the team can’t help on the call, they can point them in the direction of someone who can. Here are just some of the things people pick up the phone to talk about:

    iconDaily worries

    • Looking for a job
    • Paying back debts
    • Managing household bills
    • Checking consumer rights

    iconBig life events

    • Planning a wedding
    • Facing separation or divorce
    • Dealing with bereavement or loss
    • Moving to a new house

    icon Emotional support

    • Coping with anxiety or depression
    • Living with illness or disability
    • Revisiting life goals
    • Asking about therapy


    • Dealing with pressure or stress
    • Balancing work with a private life
    • Facing bullying or harassment
    • Understanding employment rights

    Zurich Support Services are available 24 hours a day 365 days a year and can be used from the moment the policy is taken out.

    Find out more

  • Making a claim

    If someone needs to make a whole of life claim for your client, they’ll have a lot going on, so we’ve made it as easy as we can. They’ll have their own dedicated claims specialist who’ll be with them every step of the way.

    For life cover claims

    Call us on: 0370 243 0827 

    Or email:

    For more information on making a claim, visit our claims page.

  • Documents

Did you know?

Your client can make changes to their policy at specific points during the term.

To find out more, take a look at our Flexibility of cover guide.



Need to make a claim on behalf of your client?


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Our expert underwriting team deal with each case individually

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