Risk life insurances

Men from several generations plant a tree together.

Protection for loved ones

People with a family have a special responsibility – including making financial provisions for the event of unexpected death. Risk life insurance protects your family, life partner or business partner against financial shortfalls. Take out your insurance coverage directly online or get individual advice for a tailor-made solution.

Conclude online now Calculate your premium in just 4 clicks!

Everything you need

Protection for family and business partners

Term life insurance offers flexible protection: Protect your family, life partner or business partner or ensure the payments for your mortgage can be made.

Choose the protection that suits you

An unchanging payout sum in the event of death or decreasing protection over the years for risks such as mortgages.

Attractive terms

Adjust the insurance coverage if your life changes and benefit from a particularly favorable tariff as a non-smoker.

Take out "LifeProtect direct" online – you are protected in just a few minutes


Select level of protection

You select the appropriate lump-sum death benefit and enter your data.

Provide credit card details

After the automated check, you pay directly each year by credit card.

Protected from tomorrow

Your protection begins the very next day.

Insurance benefits

  • 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
  • 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)
  • 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.

Do you have any questions?

FAQ Downloads

Other products

No short falls given loss of income

Maintain your standard of living even after an illness or accident. Protect your income in the event that you become disabled. Zurich EmploymentRisk is just the right solution for this. 

Man and women

Intelligent Pension Planning

Financial protection for yourself and your family in the event of death or disability.

father and daughter

In­su­ran­ce for chil­dren «Zurich Junior»

For the save future of your child.


Happy family at the beach

5 reasons for choosing term life insurance

Death changes everything in one stroke – suddenly a father, sister or husband is gone. The emotional pain is difficult enough. Why compound it with financial worries?
Mother and daughter doing yoga on sofa

denly disabled – what now?

In the case of disability due to illness financial losses of 30 - 40 % of your previous income are nothing unusual. This doesn't have to be the case.
Woman and man

Women and retirement provisions: How to get more out of your savings

Women are more likely to have gaps in their retirement provisions than men, which puts them at higher risk of financial hardship in old age, as shown by a new study from the research institute Sotomo.
Family with money boxes and money

Savings tips for families

It is particularly important to families to put some money aside. Dealing with finances in our hectic everyday lives is often a real challenge. With our tips, you can achieve your savings goals.
Marriage or common-law partnerships

Marriage or common-law partnerships: Who gets the best deal?

As soon as two people are co-habiting, they are living in a common-law partnership. A couple in a common-law partnership, however, does not enjoy the same protection as a married couple. We explain why.
Two women look at a document

Good retirement provision for part-time employment too

Children or career? Today, both are possible – the world has become far more flexible and part-time employment far more widespread.