Death benefit

You’re taking care of your loved ones now – but what would happen if you became terminally ill or passed away? Without your income to rely on, would they still be able to enjoy a comfortable lifestyle?  

With death cover, you can be confident your family’s financial security is protected, even when you’re not there to care for them. Death cover can give you peace of mind knowing you have done everything you can to safeguard their lifestyle – even if something happens to you. 

How does it work? 

Life cover ensures your loved ones are protected financially if you pass away or get a terminal illness. It’s designed to relieve financial stress during an emotionally difficult time for family members suffering from the loss of a loved one.  

Your cover provides a lump sum payment to your beneficiaries in the case of your unexpected death, helping to keep them financially secure. It also provides a payment if you are diagnosed with a terminal illness with less than 12 months to live, so you can spend time with your family and get the best medical care, without financial pressure. 

Your loved ones can use the payment in any way they choose – paying off debts, taking care of everyday expenses, or to maintaining the lifestyle you’ve built for them. Our flexible cover options allow you to choose how much your beneficiaries will receive, so you can customise your cover to their needs. 

Key features and benefits 

  • Financial protection: Death cover ensures your loved ones are protected financially if you pass away or are diagnosed with a terminal illness with less than 12 months to live. 

  • Tailored cover: Set your benefit amount within product limits – so you only pay for what you need. 

  • Cash advance: Your estate or beneficiaries can receive a fast-tracked payment of $15,000 while the claim is being settled – for help when they need it most. 

  • Premium savings: You may receive a discount for joint applications with your partner, annual payments and others depending on the product.   

  • Inflation protection: Your cover can automatically increase each year, to help keep up with inflation.  

This is a summary of key features only. Please refer to the relevant Product Disclosure Statement for full details. 

Our death benefit products

Wealth Protection

Wealth Protection is a flexible suite of life insurance solutions – including death, TPD, trauma and income protection cover.

Zurich Active

Zurich Active is a unique severity-based policy with an extensive list of covered health events, designed to cover a broad spectrum of life’s possible setbacks.

Ezicover Life Insurance

Ezicover is Zurich’s range of "do it yourself" online life insurance and income protection products. Protect the ones you love with Ezicover Life Insurance.

What you need to know about life cover

Here’s what you need to know about how life insurance works.

❯ Read more about how life insurance works

❯ Learn more about insurance on our Education Hub

There are different ways you can buy Zurich life insurance. Choose an option that best suits you.

Through a financial adviser

Everyone is different and everybody's circumstances are unique. A financial adviser can help you make sense of your current financial situation, as well as your goals for the future, to ensure you get the right level of cover in place to suit your individual circumstances. Talking to a financial adviser means you can rest assured you are making the most of our products' unique features and options, both today and into the future. It can also help you structure your cover in a way that delivers the best value for money and best suits your cash flow and tax objectives.

Directly from us

Zurich Ezicover is a range of simple life insurance products available directly from us via an online application. If you know what type and amount of cover you need, Ezicover might be suitable for you.

❯ Get an online quote here

Find an adviser

Zurich provides a free service that can connect you to an independent financial adviser:

ASIC’s MoneySmart website also has valuable information on what to look for when choosing a financial adviser.


Yours for Life