Zurich Life Insurance Product Range

Zurich's Wealth Protection range of life insurance products provides a contingency plan to fund your lifestyle and protect your family's financial wellbeing in the event of illness or accident.

Zurich offers two main categories of life insurance cover under the Wealth Protection brand:

• Protection Plus, which includes products providing Death cover, TPD Cover and Trauma Cover.
• Income Replacement, a customisable income protection policy for individuals with the option to add business expenses cover for sole traders and partnerships.

You can hold your Wealth Protection insurances as separate or combined policies. Separate policies can be linked together, which means that claims made under one policy may reduce the benefits you could claim under your remaining policies. Linking policies together allows you to benefit from lower management fees and discounts on your premiums. You can also link your Wealth Protection policies with those held by other members of your family or your business partners – the more people and policies, the higher the discount may be.

Some of your Wealth Protection life insurance policies can be held by a qualifying SMSF or through a Zurich Master Superannuation Fund account. You can link together polices held inside and outside of your superfund. Zurich also offers a risk-only superannuation product in this range, Zurich Superannuation Term Life Plus, which provides death cover and optional TPD cover.

Ask your financial advisor for guidance on the right life insurance policy structure to suit your circumstances, so you can take advantage of tax advantages without restricting access to your benefits.