Zurich Easy Protect 5

Zurich Easy Protect 5 is an endowment life insurance product offered by PT Zurich Topas Life, with a five-year protection period and premium payment term. The product provides a death benefit equal to 100% of the sum assured or a return of 100% of the premiums paid at the end of the coverage period, subject to the policy terms and conditions.

Zurich Easy Protect 5 is called an endowment insurance product because it offers two benefits: life insurance protection during the coverage period and a maturity benefit in the form of a 100% premium refund at the end of the policy term, subject to the policy terms and conditions.

With Zurich Easy Protect 5, policyholders simply pay premiums monthly or annually for five years to receive life insurance protection throughout the coverage period. If the insured passes away during the coverage period, the beneficiary will receive 100% of the sum assured, subject to the policy terms and conditions. Meanwhile, if the policy reaches the end of its term and no death claim is made, Zurich Life will refund 100% of the premiums paid, subject to the policy terms and conditions.

Zurich Easy Protect 5 is suitable for individuals aged 18 to 60 who want a simple and easy-to-understand life insurance solution. It may be a good option for those seeking five years of protection with fixed and affordable premiums. In addition to providing financial protection for loved ones in the event of death, this product also offers a 100% refund of premiums paid, subject to the policy terms and conditions, when the insured reaches the end of the coverage period.

Yes, Zurich Easy Protect 5 can help support your family’s financial security. If the insured passes away while the policy is still active, Zurich Life will pay 100% of the sum assured to the beneficiary to help cover the family’s financial needs. The benefit amount will depend on the selected sum assured and the policy terms and conditions.

To submit a Zurich Easy Protect 5 claim, you need to complete the claim form, prepare the required documents based on the benefit being claimed, and submit all documents to Zurich Life by mail or through an insurance advisor. For a death claim, the required documents include the claim form, medical certificate, death certificate, relevant identification documents, the policy document, and a police report if the death resulted from an accident. Claims must be received by Zurich Life within 60 calendar days of the date of death. If the claim is approved, the insurance benefit will be paid within 12 working days after claim approval has been issued.