Mortgage Protection · Zurich
Zurich Mortgage Protection in Ireland
Zurich is one of the providers we can compare for your mortgage protection. Its range includes a convertible option that lets you extend or change your cover later without a medical, and partner cover on one policy. Below is what Zurich says about its mortgage protection.
Last reviewed by Debbie Cheevers, QFA, RPA · 22 October 2026
What Zurich mortgage protection includes
Zurich mortgage protection is designed for mortgage holders who need cover on death or, if you choose it, a specified serious illness during a set term. The cover decreases over the term, roughly in line with your outstanding mortgage capital.
- Single, joint or dual life cover.
- Serious illness and disability cover can be added.
- Serious illness cover can extend to more than one person on a policy.
- Convertible Mortgage Protection is added at the outset and lets you extend your cover, or convert to Guaranteed Term Protection, later.
- Cover can be increased on life events.
- Waiver of premium: Zurich says it pays your premiums if you cannot work because of illness or injury, at no extra charge.
- Terminal illness benefit: Zurich says the full life cover is paid if you are diagnosed with a terminal illness at least twelve months before the end of the term.
- You can extend your term at any stage without providing evidence of health.
Single, joint or dual cover
How the policy pays depends on the basis you choose.
Single
Covers one life.
Joint
Covers two lives but pays only on the first death, after which cover ends.
Dual
Pays on each death, and cover ends on the second.
The convertible option
Convertible Mortgage Protection is added when you take out the policy. It protects your ability to change your cover later.
- No medical examination or evidence of good health is needed when you use the option.
- You can extend your cover or convert it to Guaranteed Term Protection.
- It is added at the outset, so it needs to be chosen when the policy starts.
Zurich’s public pages do not state the price of the convertible option or its age limits. We confirm these in the policy terms before you decide.
Is Zurich the right fit?
Worth a closer look if
You want the option to extend or change your cover later without a medical, cover for you and your partner on one policy, or serious illness cover that can include more than one person.
Check before you decide
Zurich’s public pages do not state the illnesses covered, age limits or premiums. Joint cover pays only once and then ends. We confirm the details from the policy documents and compare the price with other providers.
Compare Zurich with other providers
Zurich is one of several providers we can arrange mortgage protection with. For life insurance, we are whole-of-market: we have agency agreements with all life companies in Ireland, so we can compare every option for you. See how the others differ:
- Royal London – a choice of interest rate options and optional serious illness cover
- New Ireland – flexible Life Choice Home plans and a convertible option
- Irish Life – single, dual and joint cover with optional specified illness cover
- Aviva – optional specified illness cover and a second medical opinion service
- Our mortgage protection guide – how it works, who needs it and what affects the cost
We work with Ireland’s leading life & pension companies
Frequently asked questions
What types of mortgage protection does Zurich offer?
Zurich mortgage protection covers death or, if you choose, a specified serious illness during a set term, and the cover decreases roughly in line with your outstanding mortgage. You can arrange it for a single life, jointly or on a dual basis.
What is Convertible Mortgage Protection?
It is an option added at the outset that lets you extend your cover, or convert to Guaranteed Term Protection, later without a medical examination or evidence of good health.
What is the difference between joint and dual cover?
Joint cover covers two lives but pays only on the first death, after which cover ends. Dual cover pays on each death, and cover ends on the second.
Can I add serious illness cover?
Yes. Serious illness and disability cover can be added to Zurich mortgage protection, and serious illness cover can extend to more than one person on a policy.
Can I increase my cover after a life event?
Zurich says cover can be increased on life events, such as the birth of a child. We confirm the limits and conditions in the policy terms.
Can I cover my partner on the same policy?
Yes. Partner cover is available on the same policy for Zurich mortgage protection and term protection.
Does Zurich offer a waiver of premium?
Zurich says it pays your premiums if you cannot work because of illness or injury, at no extra charge. The policy conditions set out when the benefit applies, and we confirm them with you before you decide.
Can I extend my term or reinstate a lapsed policy?
Zurich says you can extend your term at any stage without providing evidence of health. If a payment is missed, Zurich says unpaid premiums can be repaid within three months of the first missed due date to reinstate the policy.
See how Zurich compares for your mortgage
Talk to a Greenway adviser for free. We will compare Zurich against the other providers we arrange cover with, and set it up so your cover is in place for drawdown.