A family stands together in a garden in front of a brick house. One child is sitting on the father's shoulders, another is being carried by the mother.

Term life insurance:
protect your family or your company

Family means love and care - also in financial matters. Life often takes unexpected turns. This makes it all the more important that your family is covered. With term life insurance, you can continue to pay the ongoing costs of housing, living expenses or education - no matter what happens. Simply take out this insurance with Zurich online or get individual advice.

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What is term life insurance?

In the event of a stroke of fate, term life insurance pays a predetermined sum to your partner, family or business partner. This means that no financial bottlenecks arise in the event of death and ongoing obligations can still be met.

Who is life insurance suitable for?

A young family stands closely together on a terrace in front of a house, enjoying time outdoors as a family.

For families and couples

  • The financial obligations of you or your loved ones can be secured.
  • Surviving dependants can stay in their familiar home, as housing costs remain affordable.  
  • The children's future is not affected, as there is still money available for their education.
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For homeowners

  • Mortgage costs remain affordable for the family.
  • Additional equity makes it easier to talk to the bank.
  • Ongoing maintenance and repairs are covered.
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For business partners

  • You can protect business partners financially, e.g. as a self-employed person.
  • You can secure your business loans.
  • You can prevent your company from becoming insolvent following a death.

How much does a term life insurance cost?

*Please note that this is not a binding offer. The premium increases annually in line with the risk.

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Would you like customized death benefit insurance with personal advice?

Would you like personal advice and insurance that is tailored exactly to your needs and protects your loved ones? Contact us now - we will be happy to take the time for you.

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Practical examples

Protecting the family home

The Müller family of four have just bought their dream home and have made major financial commitments. Their income is heavily dependent on Philipp Müller's full-time salary. That's why he takes out whole life insurance. When he dies two years later in a motorcycle accident, the family can stay in their home thanks to the capital paid out.

Insuring cohabiting partners

Sophie and Max live together without a marriage certificate. Because they are poorly insured by law, they protect each other with private death insurance. When Sophie is diagnosed with cancer, the insurance gives her peace of mind: Should the illness prove fatal, Max is at least well covered and can cope with the financial obligations on his own.

 

Insuring key people in SMEs

Markus Weber has founded a limited company and is its managing director. As the creative head of the company, he is an indispensable key person. When he suffers a heart attack, he thinks hard about his life. He is relieved that he took out death insurance when he founded the limited company. Thanks to the agreed capital, the company would still have a future without him.

Providing for loved ones

Maja and Jonas Eggenberger are very much looking forward to their first child. But serious complications arise during the birth and Maja dies. Jonas is left with the newborn. How can he look after the baby and earn a living for the family at the same time? Then he remembers that Maja has taken out a death benefit insurance policy. It will help him financially during the first difficult period.

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Taking out your death benefit insurance online is so easy

 

  1. Choose your protection
    Select the appropriate death benefit and enter your details.
  2. Deposit your credit card
    Easy payment by credit card.
  3. Covered from tomorrow
    Your cover starts the very next day.

Information and frequently asked questions about death benefit insurance

Protection for family and business partners

  • Risk life insurance gives your family financial security
  • Cohabiting partners: close any insurance gaps as part of pillars 1 and 2
  • Protect business partners and make sure your business can survive
  • Ensure that your mortgage is paid off even after you die

You define the death benefits

  • Term life insurance with continuing benefit payments to meet continuing financial obligations (e.g. paying off a loan)
  • With the "LifeRisk" solution, you also have the option of a decreasing benefit to cover an obligation that is becoming smaller (e.g. the amortization of a mortgage)

Attractive discounts

  • Lower risk life insurance premiums for non-smokers. A person is considered to be a non-smoker if he/she smoked no cigartettes in the previous twelve months and if he/she consumes or uses a maximum of two cigars, pipes or other products containing nicotine per week. E-cigarettes are considered, in the context of these conditions, as are other products containing nicotine.
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