All of your children between the ages of 3 months and 18 (21 if he/she is in full-time education) are covered during the term of the policy for €5,000 in life cover. Where serious illness is included is up to €25,000 to max up 50% of the parent’s serious illness cover amount.

This is an automatic additional benefit. You have 100 days to reinstate your policy after your first missed premium payment. Furthermore, it can be reinstated even if a claim has arisen. However, it cannot be reinstated if Zurich Life has received a written request from you to cancel the policy.

This is also known as Guaranteed Insurability, this benefit provides the option to increase your level of Life Cover and/or Specified Serious Illness Cover, without providing further medical evidence, following any of these events:

• Increase in your mortgage, either to purchase a new main residence or for home improvement of your main residence
• Marriage
• Birth or adoption of a child

The maximum increase you can make following any one of these events is the lower of €100,000 and 50% of the original level of cover for that benefit.The maximum total increase you can make for all events over the policy term is the lower of €200,000 and the original level of cover for that benefit.This option ends when you reach age 55, or when the older person reaches age 55 for a Joint Life policy.

For life insurance claims which are accepted, but delayed due to probate, Royal London will now provide an advance payment of up to €10,000 to cover funeral costs of the deceased. This feature is limited to death claims and only covers Funeral Director costs.