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Ezicover Life Insurance

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About Ezicover Life Insurance

Life doesn’t come with guarantees. But you can make sure the people who depend on you are financially protected if the worst were to happen. Ezicover Life Insurance by Zurich provides a lump sum payment to your loved ones if you pass away or are diagnosed with a terminal illness, helping them manage expenses and maintain their way of life, even without you.

This financial support can be used to cover outstanding debts, everyday living costs, education expenses, or simply to give your family the time and stability they need during a difficult period.

Put a plan in place today and create long-term security and peace of mind for the people who matter most.

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What Is Ezicover Life Insurance?

Zurich’s Ezicover Life Insurance is a straightforward, direct-to-consumer life cover product that pays a lump sum benefit to your nominated beneficiaries if you die, or to you if you’re diagnosed with a terminal illness with a life expectancy under 12 months.

The payout can be used however your family sees fit, covering the mortgage, school fees, medical costs, everyday living expenses, or simply providing a financial buffer during an incredibly difficult time.

Terminal Illness Advance Payment

If you are diagnosed with a terminal illness and have less than 12 months to live, Zurich can pay your lump sum benefit in advance — so you can focus on what matters most to you, rather than worrying about finances. A $15,000 cash advance is also available immediately upon death to help cover urgent costs like funeral expenses while the full claim is being assessed.

Key Benefits of Life insurance

Lump Sum from $50K to $1.5M

Choose the level of cover that matches your family’s needs and lifestyle. Cover amounts are subject to age and eligibility requirements.

$15,000 Cash Advance

If you pass away, Zurich pays $15,000 in advance while your claim is assessed — money your family can use straight away for urgent costs like funeral expenses.

Worldwide 24/7 Coverage

You’re covered around the clock, anywhere in the world — not just at home in Australia.

10% Discount for a Family Member

Apply for two policies at the same time and if both are accepted, the second policyholder receives a 10% discount on their premium.

Fully Self-Service Online

No need to visit a broker or financial adviser. Everything — from quoting to application to policy management — is handled online.

What are the eligibility requirements?

Customers must meet specific criteria to be eligible for the Ezicover Life Insurance from Zurich.

  • Be aged between 19 and 69 years old at the time of application

  • Be an Australian citizen or permanent resident living in Australia

  • Be residing in Australia on a permanent basis

Why users choose it?

Zurich’s Ezicover Life Insurance offers an easy-to-understand policy so you can relax knowing your loved ones will be taken care of if you pass away or are diagnosed with a terminal illness with a life expectancy of less than 12 months. Some reasons you might want to buy life insurance:

Protect your family:

If you pass away, your loved ones could receive a lump sum payment to help cover their life expenses – the mortgage or rent, school fees, medical costs, even holidays and other needs.

Protect yourself:

If you are diagnosed with a terminal illness with less than 12 months life expectancy, you could receive a lump sum payment in advance to help cover your costs – so you can focus on what matters most to you.

Get cover for a family member – and they can save 10%

Apply for two policies at the same time and if they’re both accepted, you’ll receive a 10% discount on the second policy

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Features

Choice of lump sum cover from $50,000 to $1.5 million

Different choices of cover available, based on your age and needs.

Easy to apply

Apply online or over the phone – quick and straightforward for most people.

$15,000 cash advance payment

If you pass away, Zurich will pay $15,000 in advance while they assess your claim to cover expenses like funeral costs.

Cover anywhere, any time

Coverage 24/7,
anywhere in the world.

Everything can be done online

No need to speak
to an adviser.

Get cover for a family member – and they can save 10%

Apply for two policies at the same time and if they’re both accepted, they receive a 10% discount on the second policy.

Who Should Consider Life Insurance

1. Established Families

Life’s surprises aren’t always welcome. Accidents or illness can happen unexpectedly. With Ezicover Life Insurance, you can help protect your family’s future—ensuring they’re supported even if you’re no longer there.

2. Economically Pressured

Working with a tight budget doesn’t mean your family’s future should be left unprotected. Entry-level cover provides essential protection without breaking the bank — and can be scaled up later as circumstances improve.

3. Emerging Families

Recently bought your first home and starting a family? This is often the moment when life insurance becomes most important. A lump sum payout could cover a 30-year mortgage and years of childcare if the unexpected happened.

Value-Added Perks for Ezicover Customers

Loving Life Rewards*

  • Over 8,000 lifestyle and entertainment offers accessible via smartphone
  • Two-for-one deals and up to 20% off across dining, travel, shopping and activities
  • Exclusive access to the Entertainment Group’s rewards platform

Complimentary Online Will via Willed*

  • Zurich policyholders who hold their policy for at least 12 months can access a complimentary legal will (RRP AU$159)
  • Create your will online in as little as 15 minutes through the Willed platform
  • Already have a will? Transfer the benefit to a friend or family member

* Terms and conditions apply. Zurich may withdraw this offer at any time.

Bundle Offer

For Families/Couples:

Couple or Family Bundle — Save 10%

  • Apply for two Life Insurance policies simultaneously
  • If both applications are accepted, the second policyholder receives a 10% premium discount
  • Great for couples or for covering an adult family member

For Individuals:

Life + Income Protection Bundle — Save 5%

  • Add Ezicover Income Protection when taking out Life Insurance
  • Receive a 5% discount on your Income Protection premium
  • Broaden your financial safety net across death and disability
  • Note: bundle discounts cannot be combined with each other
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* This limited time offer is available to any Policyholder who has purchased, or purchases, an Ezicover Life Insurance, Ezicover Income Protection or Zurich Home Loan Protection policy on or after 27 January 2023 and holds the relevant policy for at least 12 months. The offer must be redeemed while the relevant policy remains in force. Terms and conditions apply. Zurich may withdraw this offer at anytime, subject to applicable laws.

The offer consists of a complimentary will (RRP value AU$159.00), provided by Willed Pty Ltd ABN 20 638 925 032 (“Willed”) of Gardenvale Road, Gardenvale, VIC, 3185, through their technology platform that allows the creation of estate planning solutions using its forms and other information, where a customer holds (as policyholder) an eligible policy for a 12 month period. Click here to view Willed terms and conditions.

The Zurich Loving Life App and the underlying offers and discounts are provided for Zurich by Entertainment Publications of Australia Pty Ltd, ABN 85 065 011 903 of 53-55 Herbert Street, Artarmon NSW 2064 (‘Entertainment’). Click here to view Loving Life terms and conditions.

The promoter of the free online legal Will and Zurich Loving Life is Zurich Australia Limited, ABN 92 000 010 195 (‘Zurich’) of 118 Mount Street, North Sydney, NSW 2060. Zurich makes no warranty and accepts no liability in relation to the quality, suitability or value of the free online Will offers or Zurich Loving Life offers. Customers should make their own enquiries.

By participating in these offers, you agree that you have read and understood their Terms and Conditions and agree to be bound by them. Zurich and its partners collect, use and disclose your personal information in accordance with their privacy policy.

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Disclosure

Ezicover Life Insurance, Ezicover Income Protection, and Zurich Home Loan Protection are issued by Zurich Australia Limited ABN 92 000 010 195 AFSL 232510 (Zurich) of 118 Mount Street, North Sydney, NSW 2060. Ezicover is a registered trademark of Zurich.

The information on this website does not take into account your personal objectives, financial situation or needs. You should consider these factors and the appropriateness of the information to you. Consider seeking advice specific to your individual circumstances from an appropriate professional. You should also consider the Product Disclosure Statement (PDS) for the product available here, or by calling 1800 631 807, in deciding whether to acquire or to continue to hold the product. A Target Market Determination for the product is available here.

Zurich has prepared the information on this website and 1300 Insurance Pty Ltd ACN 124 845 727 (1300 Insurance) is simply passing this information on to you. 1300 Insurance acts as referrer for these products. 1300 Insurance does not recommend, endorse or advise you about this insurance. They can only refer you to Zurich. If you buy a policy 1300 Insurance will receive from Zurich a commission of 20% (plus GST) of premiums paid. This amount is paid by Zurich and is not an additional cost to you.

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