Zurich Insurance plan comparison

A quick comparison of our protection solutions


Compare our three protection solutions to understand the benefits and coverage offered by each option.

FUTURA

INTERNATIONAL TERM ASSURANCE

INTERNATIONAL DECREASING TERM ASSURANCE

Policy type Whole of life protection Level term protection - benefit amounts remain level for the policy term Decreasing term protection - benefit amounts reduce to zero over the policy term
Prime purpose of policy Protection Protection Protection
Investment linked Wrong Wrong
Term Whole of life 5 - 35 years 5 - 35 years
Regular premium frequency Monthly, quarterly, half yearly or yearly Monthly or Yearly Monthly or Yearly
Single premiums Wrong
Policy basis Single life, joint life first death, joint life both death or joint life last death Single life or joint life first death Single life or joint life first death
Policy currency USD, GBP, EUR or AED USD, GBP, EUR or AED USD, GBP, EUR or AED
Can benefits be changed after issue? Wrong Wrong
Medical second opinion service available? Wrong Wrong
Surrender value over time? Wrong Wrong
Compulsory benefits
Life cover
Terminal illness benefit
Aeroplane cover Wrong Wrong
Optional benefits
Critical illness benefit
Cancer cover Wrong Wrong
Permanent and total disability benefit
Waiver of premium benefit
Family income benefit Wrong Wrong
Accidental death benefit Wrong Wrong
Hospitalisation benefit Wrong Wrong
Dismemberment benefit Wrong Wrong

FUTURA

INTERNATIONAL TERM ASSURANCE

INTERNATIONAL DECREASING TERM ASSURANCE

Policy type
Whole of life protection Level term protection - benefit amounts remain level for the policy term Decreasing term protection - benefit amounts reduce to zero over the policy term
Prime purpose of policy
Protection Protection Protection
Investment linked
Wrong Wrong
Term
Whole of life 5 - 35 years 5 - 35 years
Regular premium frequency
Monthly, quarterly, half yearly or yearly Monthly or Yearly Monthly or Yearly
Single premium
Wrong
Policy basis
Single life, joint life first death, joint life both death or joint life last death Single life or joint life first death Single life or joint life first death
Policy currency
USD, GBP, EUR or AED USD, GBP, EUR or AED USD, GBP, EUR or AED
Can benefits be changed after issue?
Wrong Wrong
Medical second opinion service available?
Wrong Wrong
Surrender value over time?
Wrong Wrong
Compulsory benefits
Life cover
Terminal illness benefit
Aeroplane cover
Wrong Wrong
Optional benefits
Critical illness benefit
Cancer cover
Wrong Wrong
Permanent and total disability benefit
Waiver of premium benefit
Family income benefit
Wrong Wrong
Accidental death benefit
Wrong Wrong
Hospitalisation benefit
Wrong Wrong
Dismemberment benefit
Wrong Wrong