Aviva vs Zurich: at a glance
Aviva is the UK's largest insurer with a huge presence in the life insurance market. Zurich is a global financial services group with a strong UK protection business. Both are financially secure and have excellent reputations for paying claims.
Pricing comparison
For a 35-year-old non-smoker in good health, £200,000 level term over 25 years:
- Aviva — approximately £12–£16/month
- Zurich — approximately £13–£18/month
Aviva tends to be slightly cheaper for standard applicants. Zurich can be more competitive for certain age groups and occupation types.
Policy features
Aviva offers a wide range of options including life insurance, critical illness, and income protection. Their policies include added value services like Smart Health (digital health consultations). Zurich's life policies include access to their Best Doctors service, which provides second medical opinions.
Critical illness cover
Both insurers offer comprehensive critical illness cover. Zurich is particularly noted for its clear, customer-friendly policy wording and comprehensive list of covered conditions. Aviva includes children's CIC as standard on many policies.
Claims records (2024)
- Aviva — paid 98.2% of life insurance claims
- Zurich — paid 97.5% of life insurance claims
Both are above the industry average. Zurich also publishes detailed claims statistics showing average payout amounts by condition.
Who should choose Aviva?
- People wanting the UK's most recognised insurer
- Those seeking slightly lower headline premiums
- Applicants wanting Smart Health digital health access
Who should choose Zurich?
- People who value Best Doctors second opinion service
- Those who prefer clear, comprehensive policy wording
- Applicants whose occupation or health history may get better terms from Zurich's underwriting team
Frequently Asked Questions
Yes — Zurich is a financially strong, reputable insurer with a strong claims record and good policy features. It's particularly noted for its Best Doctors service and clear policy wording.
Aviva is typically slightly cheaper for standard applicants, but Zurich can be more competitive for certain profiles. Always compare personalised quotes.
Yes — both offer critical illness cover, either as a standalone policy or added to life insurance. Both cover the core conditions (cancer, heart attack, stroke) plus additional conditions.