Overall rating: 4.4/5
Zurich offers strong income protection products particularly well-suited to self-employed professionals and higher earners. Known for flexible underwriting and competitive terms for complex cases.
Who is Zurich?
Zurich is one of the UK's leading insurance providers, offering a range of protection products to individuals and businesses. They are authorised and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA).
Zurich Income Protection — key features
- Competitive for self-employed and complex income profiles
- Flexible underwriting on non-standard cases
- Strong financial rating and global backing
- Own occupation definition available
- Good rehabilitation and back-to-work support
Things to consider
- Mainly available through IFAs — not directly accessible to consumers
- Premiums not always competitive for standard employed cases
How does Zurich compare?
While Zurich is a strong provider, the best income protection policy for you depends on your age, health, occupation, and financial commitments. We always recommend comparing the whole market — Zurich may or may not be the best option for your specific profile.
Claims performance
Zurich publishes annual claims statistics showing their payout rates. Major UK insurers typically pay out 97–99% of life insurance claims and 90–95% of critical illness claims. Always check the latest published data before buying.
Should I choose Zurich?
Zurich is a reputable, established insurer with a strong track record. However, the right insurer for you depends on your specific circumstances — particularly if you have any health conditions or a non-standard occupation. Use our comparison tool to see how Zurich compares across the whole market.
Frequently Asked Questions
Zurich is one of the UK's most established insurers with strong financial ratings and a good claims payout record. Whether it's the best option for you depends on your age, health, and needs — always compare the full market.
Contact Zurich directly using the claims number on your policy documents. For life insurance claims, your beneficiaries or executor will need to notify the insurer and provide a death certificate and policy details.
Yes — most policies have a 30-day cooling-off period after purchase. After that, you can cancel at any time, though you will lose your cover and any premiums paid will not be refunded.