Your Pension - Your Future 

Death benefits

No one likes thinking about what may happen after they die, but it is important that you know what benefits may become due.   You can fill in a Lump Sum Nomination Form to let the Trustee know who you would like to nominate to receive any lump sum benefits payable on your death.


The Scheme provides benefits in the event of a death in service and the benefits depend on when you joined the Scheme.

  • A lump sum of 4 times your pensionable salary
  • Dependants’ (spouse/partner and children’s) pensions depending on which legacy tier you have benefits in.
  • The return of the value of your ZCashBuilder fund (including notional contributions in respect of any period of ZPensionBuilder service)

Change your death benefits

You may be able to exchange some of the dependants’ pension for a higher lump sum. You can find out more on this option by contacting the ZPen team at zpenteam@uk.zurich.com

If you die after leaving Zurich but before you retire, the benefits we pay will be a combination of both your final salary and ZCashBuilder benefits.  Your final salary benefits will depend on what legacy tier(s) your benefits are in and when you left the Company. 


Your final salary + ZCB Member Guide

We are currently updating this guide for those with final salary benefits, including those who have both final salary and ZCashBuilder benefits.

In the meantime, go to the Guides page to read the existing Member Guide.

If you have any questions about your benefits, you can contact the ZPen team by:

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None of the information given on this website can give you legal rights or benefits that differ from those provided in the Trust Deed and Rules. In the case of uncertainty or conflict between the content on this website and the Trust Deed and Rules, the Trust Deed and Rules (as amended from time to time) will prevail. 

You should consider taking independent financial advice on your options in relation to your benefits under the Scheme. Neither the Scheme Trustee (Zurich Financial Services UK Pension Trustee Limited) nor any member of the Zurich Group (i.e. Zurich Insurance Group Ltd - registered in Switzerland with number CH-020.3.023.089-6 and its direct and indirect subsidiaries) are able to provide you with financial advice or accept any liability for any decision you make with regards to your retirement options.