ZURICH SIMPLE LIFE INSURANCE
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1 ZURICH SIMPLE LIFE INSURANCE Key facts Helping you decide This important document gives you a summary of Zurich Simple Life Insurance. Please keep it for future reference.
2 About Zurich Simple Life Insurance Your plan summary This summary does not contain the full terms of the plan you can find these in the plan terms and conditions and the plan schedule. The plan is provided by Zurich Assurance Ltd. What is Zurich Simple Life Insurance? Zurich Simple Life Insurance is a Term Insurance. This means that we will pay a cash sum if you die during the term, as long as you make the payments each month. What you need to tell us? Zurich Simple Life Insurance is very straightforward. You need to answer our basic questions and if you are eligible, we can offer you instant cover. There is no lengthy application process and our aim is to cover you in about fifteen minutes. We rely on what you tell us: we will not be obtaining a report from your doctor and we don t need a medical examination. How much does it cost? The monthly cost of your plan depends on your age, the cash sum you choose and the term of your plan. Once you have taken your plan out, the monthly cost is then fixed for the term of your plan. What you need to be aware of Eligibility Zurich Simple Life Insurance is only available for terms of 5, 10, 15 or 20 years to those aged between 18 and 50, and who are no older than 55 when the plan ends. The maximum cash sum you can apply for is 150,000 and you can only have one Zurich Simple Life Insurance plan. Your responsibilities You should take reasonable care to answer all the questions honestly and accurately to the best of your knowledge. If you don t answer the questions correctly your plan may be cancelled or any claim may be rejected or not fully paid. A claim can only be made if you die. You should tell whoever needs to know about the plan, so they are aware of it and can contact us to make a claim.
3 Zurich Simple Life Insurance is no fuss cover it is simple and basic. It is not tailored to fit your individual needs or circumstances exactly. You must decide if this plan is suitable for you as we are unable to provide you with financial advice. You may prefer to take the time to go through a full assessment of your needs with a financial adviser who may charge for this service. If you stop making payments the insurance will stop. You will not get a refund unless your plan is still within the cancellation period (see Can I change my mind and cancel? ). The cash sum is fixed and will stay the same so inflation will affect its value as the years go by. If you choose a shorter term, you should note that insurance usually gets more expensive as you get older or if you become ill. You may find that further insurance is more expensive or even potentially unobtainable (for example, if your health is very poor). You may need to review your circumstances every so often to make sure your life insurance is adequate. When we will pay the cash sum We ll pay the cash sum if you die during the policy term shown in your plan schedule provided you have made all the payments that were due each month. When we won t pay the cash sum If you haven t made all the payments that were due, or if you didn t answer the questions we asked you truthfully, honestly and accurately as this affects the terms we offer you, or if you commit suicide between the insurance cover start date and the end of 12 months from the plan start date. Instead, we ll refund the payments you ve made. Tax The cash sum paid on death will normally form part of your estate and may be subject to inheritance tax. This will depend on your individual circumstances. This information is based on our understanding of current UK law and HM Revenue & Customs practice. Future changes in law and tax practice, or in individual circumstances, could affect taxation.
4 Can I change my mind and cancel? You have the right to cancel up to 30 days after you receive the plan documents. You may do this in writing. We will refund any payment you make in that period. How to notify us of a claim A claim can only be made if you die, so when your representative needs to make a claim they should call us on We may record or monitor calls to improve our service. What to do if you have a complaint If you wish to make a complaint, you can write or phone: Write to: Zurich Assurance Ltd Tricentre One New Bridge Square Swindon SN1 1HN Phone: Monday to Friday 8:30am 6pm (excluding bank holidays). We may record or monitor calls to improve our service. If we cannot settle your complaint you may be entitled to refer it to the Financial Ombudsman Service. Please see the plan terms and conditions for more information. Compensation We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation scheme arrangements is available from the FSCS. Please see the plan terms and conditions for more information. Language Our plan documents and terms and conditions are in English and all communications with you will be in English.
5 About our insurance services Zurich Assurance Ltd, Tricentre One, New Bridge Square, Swindon, SN1 1HN 1 The Financial Conduct Authority (FCA) The FCA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you. 2 Whose products do we offer? We offer products from a range of insurers. We only offer our own products for life insurance. We only offer products from a single insurer. 3 Which services will we provide you with? We will advise and make a recommendation after we have looked at your need for life insurance. You will not receive advice nor a recommendation from us for life insurance. We might ask some questions to narrow down the products that we will provide details on. You will then need to make your own choice about how to proceed. 4 What will you have to pay us for our services? A fee. No fee. You will receive a plan schedule and terms and conditions which will tell you about your payments. There are no other fees relating to this plan. 5 Who authorises and regulates us? Zurich Assurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services register number is and you can check this by visiting the FCA s website or by contacting the FCA on Zurich Assurance Ltd is part of the Zurich Group, which is a leading multi-line insurer that serves its customers in global and local markets. With over 55,000 employees, the Zurich Group provides a wide range of general insurance and life insurance products and services. It serves individuals, small businesses, and mid-sized and large companies, including multi-national corporations, in more than 170 countries.
6 Please let us know if you would like a copy of this in large print or braille, or on audiotape or CD. PP (07/14) RRD Zurich Assurance Ltd, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England and Wales under company number Registered office: The Grange, Bishops Cleeve, Cheltenham, GL52 8XX.
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