International Term Assurance (ITA) and International Decreasing Term Assurance (IDTA)

Our simplest life insurance plan. If you pass away during the policy term, we will pay the insurance amount to your beneficiaries.

What's the difference between the two? ITA provides the same level of coverage throughout the entire term. On the other hand, with IDTA, the coverage amount decreases each year until the end of the term. This makes IDTA a better option for protecting your loans or mortgage, as the amount you owe decreases as you make repayments over time.

What you get

Peace of mind for your loved ones
If you pass away during the policy term, the money goes to the people you choose.

Protection for you when you need it most
You can add coverage for critical illnesses and disabilities. This means you'll get paid if you get a serious illness like cancer, have a heart attack, or a stroke.

Control over the cover term
You can decide how long you want the coverage to last, from 5 years to 35 years.

Choose your beneficiary
You decide who gets the money if you pass away. It could be your spouse, partner, children, or even a bank if you have a mortgage. You can update your beneficiary anytime on Zurich Online.

For a full understanding of the products, please refer to the policy terms and conditions.

We won't be able cover you if

You stop paying premiums
If you stop making payments, your cover will end.

Your policy ends
We won't be able to pay you if you get sick after the term ends.

Self-inflicted injuries and suicide
Self-harm causing injury or death is not covered in the first year of the policy.

You aren't fully honest with us
We'll ask about your health and lifestyle to calculate your insurance premium. It's important to be honest and accurate as wrong or incomplete information can impact your claim payment.