Zurich ‘Value Your World’ feedback thread - £300 voucher to be won for feedback

[RebeccaEMumsnet]

This is the feedback thread for the Mumsnetters who are testing Zurich’s ‘Value your World’ tool.

Here’s what Zurich have to say: ‘Value Your World’ is a tool that helps users assess whether they’ve got enough life insurance in place to cover their loved ones should the worst happen. While a lot of people have some form of life insurance, it’s hard to know whether you’ve thought of everything and whether you’ve got the right kind of cover for your family. Value Your World asks a series of questions to help users understand what’s valuable to them, and whether they’ve got enough cover in place. If a user finds that they could do with a bit more life insurance, they can also get a series of quick quotes and apply online in a few simple steps.’

Testers, here are some questions we’d like to hear your answers to, but also feel free to add any other comments you have about Zurich’s ‘Value Your World’ tool.

1. What do you think of the design of the tool?
   
2. Did you find the tool easy to use and understand? Why/Why not?
   
3. Did the tool prove helpful to you? Did you find that you had a protection gap?
   
4. Did the tool inspire you to take action to alter your life insurance cover?
   
5. What improvements would you like to see in the tool?
   
   All those selected who give the required feedback will be entered into a prize draw where one MNer will win a £300 voucher for a store of their choice (from a list).
   
   Thanks and good luck!
   MNHQ
   
   Standard Insight T&Cs apply

[ReedBunting]

I've just tried to use the Zurich tool and it's down - hopefully just a temporary glitch?

[WolfiesDad]

1. What do you think of the design of the tool?
   Simple and easy
   
2. Did you find the tool easy to use and understand? Why/Why not?
   Yes, though not perfect on mobile devices, as the pop up keyboard can get in the way.
   
3. Did the tool prove helpful to you? Did you find that you had a protection gap?
   It is thought provoking.
   
4. Did the tool inspire you to take action to alter your life insurance cover?
   It makes me think about it
   
5. What improvements would you like to see in the tool?
   Use drop down list rather than keyboard entry for number inputs

[BrieAndChilli]

1. What do you think of the design of the tool?
   Nice, good graphics, easy to read and use.
   
2. Did you find the tool easy to use and understand? Why/Why not?
   Each step was explained and fairly easy to follow.
   
3. Did the tool prove helpful to you?
   Did you find that you had a protection gap?
   I liked that it worked out how much you needed based on amount of children/what life things you need to pay for in the future - normally with these things I have no idea how much I would need and pluck a figure out of the air!!
   
4. Did the tool inspire you to take action to alter your life insurance cover?
   Yes will definitely review our current protection.
   
5. What improvements would you like to see in the tool?
   Didn't seem a place to put in partners income. I put mine in when prompted but it never asked for my partners income so wasn't sure whether I should have added it to my figure??

[goldenretriever1978]

1. I found the design to be clean, clear and concise.
   

1. It was extremely easy to follow and to use.
   

1. The tool proved useful to me. I had a protection gap (as I think most people would) mostly relating to my children's education, the figure if which made my eyes water...
   

1. It did inspire me to take action to review my cover.
   

1. A big suggestion would be to add partner's income. I disliked the fact that the tool assumed that all children would have an expensive education. For example, my son has special needs and won't be bothering Oxbridge at any point...

[turkeyboots]

1. What do you think of the design of the tool?
   Yes, looks nice, easy to read and use
   
   
2. Did you find the tool easy to use and understand? Why/Why not?
   Mostly, however it assumes you are a house owner. It need a rental option.
   
   
3. Did the tool prove helpful to you? Did you find that you had a protection gap?
   It was interesting, although a little alarming. But it was based on the mortgage I made up so to be able to use the calculator.
   
   
4. Did the tool inspire you to take action to alter your life insurance cover?
   It certainly made me think about my lack of any life insurance.
   
   
5. What improvements would you like to see in the tool?
   Make it applicable to renters.

[PurplePidjin]

1. What do you think of the design of the tool?
   
   Very slow on a mobile
   
   
2. Did you find the tool easy to use and understand? Why/Why not?
   
   Not really. I'm a total newbie to life insurance so asking me how much critical illness cover I need is very confusing - some kind of hint as to hiw to work that our please!
   
   
3. Did the tool prove helpful to you? Did you find that you had a protection gap?
   
   I have no cover currently, but at the same time will struggle to find the over £90 a month quoted. I now feel bad about how inadequate I am in not providing for my children, even though I'd have to give up something like ds1s swimming lessons to provide it.
   
   
4. Did the tool inspire you to take action to alter your life insurance cover?
   
   No more than I was already planning to
   
   
5. What improvements would you like to see in the tool?
   
   Faster response to data input. Access to guidance on how to answer what probably appear to be basic questions from the inside. To me it's a confusing mess that I stared at blankly before guessing!

[nippey]

1. What do you think of the design of the tool?
   Really nice, very easy to use on phone and tablet
   
   
2. Did you find the tool easy to use and understand? Why/Why not?
   Really clear, simple and easy
   
   
   
3. Did the tool prove helpful to you? Did you find that you had a protection gap?
   
   It's scary to see the cover I need compared to what I have. I liked seeing how much I would need for my daughter and the prompt about care for my parents
   
   
4. Did the tool inspire you to take action to alter your life insurance cover?
   
   I decided to get a quote from Zurich straight away and will get some more this week
   
   
5. What improvements would you like to see in the tool?
   It would be good if it could show figures for things like parent care, what critical health cover includes and the benefits of this vs whole life cover, costs for funerals etc
   
   Really good, useful tool. Recommend that everyone has a look to see what cover they need.

[thekingfisher]

1. What do you think of the design of the tool?
   Very nice, simple and easy to navigate around
   
2. Did you find the tool easy to use and understand? Why/Why not?
   Yes it was easy to fill in although I was confused after the first section about the partner/no partner details and what was required - think that could do with a little better though out wording
   
3. Did the tool prove helpful to you? Did you find that you had a protection gap?
   I did as I don't have any life insurance which would cover my partner if I died - although he is VERY well covered its worth considering because my income does make a contribution to the family finances and also if I was critically ill there would be costs in support/nursing/care that otherwise we would potentially find hard to cover
   
4. Did the tool inspire you to take action to alter your life insurance cover?
   It has certainly made me think more about what would happen in that circumstance and I will certainly do some more research
   
5. What improvements would you like to see in the tool?
   I was somewhat confused as to how the critical illness cover worked in relation to the overall sum insured and would have liked a bit more info on it...

[Sofabitch]

1. What do you think of the design of the tool?
   
   It was easy to use and clear.
   
   
2. Did you find the tool easy to use and understand? Why/Why not?
   Yes. It broke down potential expenses clearly.
   
   
3. Did the tool prove helpful to you? Did you find that you had a protection gap? I was very surprised at the financial implications of not being around. Many things I hadnt considered. Yes I had a protection gap.
   
   
4. Did the tool inspire you to take action to alter your life insurance cover? Yes I will be increasing my life insurance now.
   
   
5. What improvements would you like to see in the tool?
   It woukd be nice to see estimates of inflated figures... ie in 30 years this may be x amount.

[RebeccaEMumsnet]

Hi ReedBunting

That might be because we just sent the email, so a lot of testers will have clicked at once.

If you have any further issues, please email [email protected]

Thanks!

[ReedBunting]

I did wonder that as soon as I had posted! will try again later!

[Cintacmrs123]

1. What do you think of the design of the tool?
   It is easy to use and has a nice design it is very easy to use
   
2. Did you find the tool easy to use and understand? Why/Why not?
   The tool was very simple to use but would be nice if left blank defaulted to zero rather than having to put zero
   
3. Did the tool prove helpful to you?
   Somewhat seem to be a rather higher figure and when I went to fine tune it came up with a error message
   Did you find that you had a protection gap? Definitely
   
4. Did the tool inspire you to take action to alter your life insurance cover? Yes will have to look very carefully at life insurance
   
5. What improvements would you like to see in the tool?

[Mummychoochoo3]

1. What do you think of the design of the tool? Very easy on the eye but yet focused.
   
2. Did you find the tool easy to use and understand? Why/Why not? Very simple and easy to use, straightforward questions.
   
3. Did the tool prove helpful to you? Did you find that you had a protection gap? Very helpful as I wouldn't have thought as far as kids university as my children are very young. Yes we had a protection gap
   
4. Did the tool inspire you to take action to alter your life insurance cover? Yes indeed.
   
5. What improvements would you like to see in the tool? So far, nothing

[Lynsinhull]

1)What do you think of the design of the tool?
I liked it, very clear and spaced out, easy to follow

2) Did you find the tool easy to use and understand? Why/Why not?
On the whole yes. However I am not familiar with financial speak so would have liked more guidance about things like critical illness cover and exactly what that covers.
3) Did the tool prove helpful to you? Did you find that you had a protection gap?
Yes definitely. Also reinforced my lack of savings so if anything did happen, I / family would really benefit from cover.
4) Did the tool inspire you to take action to alter your life insurance cover?
It inspired me to get other quotes as well
5) What improvements would you like to see in the tool?
The main issue I had was the question about having a partner as I do but he isn't on the mortgage so perhaps more options rather than yes or no. Also more comprehensive information if required about critical illness cover. I had no idea what to put in for this, so some guidance/examples would be useful.

[NurseKeegan]

• I really appreciated the layout of the tool and the colour scheme was engaging. The pictures that accompanied each question added an element of interest and further engagement.
  
  
• The tool was very easy to use, especially for those who aren't very technical (like myself). The questions were worded well to limit confusion. The progress bar was a great addition, especially for those whose concentration tends to wane. I found the follow-on questions helpful. I was impressed at the speed that the tool complied and interpreted all data. It was also helpful that you can fine-tune your data because I wasn't entirely sure how much of my mortgage I had left to pay off but I was able to guesstimate and then correct it after I had checked.
  
  
• It did prove helpful for me, in terms of the need to update my life insurance now to reflect my new baby (and her future education needs, oh my!) The tool has definitely highlighted areas I need to think of in terms of insurance coverage for unforeseen circumstances.
  
  
• Myself and my partner currently have our life insurance policies with Zurich but I will definitely be contacting soon to update both policies to reflect our new addition to the family.
  
  
• In terms of technicalities, I wouldn't make any adjustments. I think the tool is extremely helpful and easy to use. However, I might include a question about which part of the UK people live in as Further Education in these areas differs vastly and could make a huge impact on the actual figures (though I do appreciate that our children could choose to study outside these regions).
  
  Thank you very much for allowing me to participate.
  
  
  Clare :)

[LunaLoveg00d]

1. What do you think of the design of the tool? Very easy to use. Nicely designed and there aren't that many steps to follow to input the figures and get the result.
   
   
2. Did you find the tool easy to use and understand? Why/Why not? It is very easy to understand and uses plain English rather than jargon. However I don't know off the top of my head exactly the figures required for an accurate result such as exactly how much I've got in savings and exactly how much is outstanding on the mortgage. So a lot of the work was guesstimating, which obviously affects the end result.
   
   
   
3. Did the tool prove helpful to you? Did you find that you had a protection gap?
   Yes and no. I would have been VERY surprised to find an insurance sales website telling me I was sorted and didn't need more protection. The very first question was about a partner and then the rest of the questions about individual finances which was confusing - we have pooled money so don't have "mine" and "his" savings, for example.
   
   
4. Did the tool inspire you to take action to alter your life insurance cover? It inspired me to take action to find out exactly what life cover I already have, and speak to my husband to find out if we both need to look at it again.
   
   
5. What improvements would you like to see in the tool? I couldn't go back and change details I'd entered - I mistakenly ticked that the kids were in private education rather than state schools, but couldn't work out how to amend this, and it obviously affected the end result hugely.

[Ebayaholic]

) What do you think of the design of the tool?
Suitably simple which encouraged me to use it
2) Did you find the tool easy to use and understand? Why/Why not?
Yes because of the simplicity
3) Did the tool prove helpful to you? Did you find that you had a protection gap?
Yes I have a gap and yes it was helpful as it broke down the shortfall
4) Did the tool inspire you to take action to alter your life insurance cover?
No my other financial obligations take priority at present
5) What improvements would you like to see in the tool?
Taking account if partners income and partners ability to increase this if necessary and an option for part funding children through uni or entering a specific amount for this manually

[danson16]

1. What do you think of the design of the tool?
   
   Nice, clear and simple to look at, easy to use
   
   
2. Did you find the tool easy to use and understand? Why/Why not?
   
   I found it incredibly easy to use, it goes through the stages well and is mostly easy to put through. There are a couple of bits I would have liked to have learnt more about before proceeding though, like critical illness.
   
   
3. Did the tool prove helpful to you? Did you find that you had a protection gap?
   
   It proved helpful, it showed me how expensive it was! It is also only for those with a mortgage, would have been handy to have seen it for a renter as they level of buyers now is decreasing.
   
   
4. Did the tool inspire you to take action to alter your life insurance cover?
   
   I am going to look into life insurance cover but it would not be with Zurich, its quite expensive and would not be able to afford that at the moment.
   
   
5. What improvements would you like to see in the tool?
   
   Better information about certain aspects, like Critical Illness and other parts you add money to. Also would be good to use it as a renter and not someone with a mortgage as I don't have one.
   It would be useful to have more options also, not all questions have a straight yes or no answer.

[ladygoingGaga]

1. What do you think of the design of the tool?
   Simple, quick and easy to use.
   
   
2. Did you find the tool easy to use and understand? Why/Why not?
   Really clear, i used the information button twice just to check my understanding was right and it did help.
   
   
   
3. Did the tool prove helpful to you? Did you find that you had a protection gap?
   
   I found it a useful quick tool to give an approximate coverage. My son is too young to think about university so I went for no on that, so perhaps a halfway option?
   It highlighted I had about right cover.
   
   
4. Did the tool inspire you to take action to alter your life insurance cover?
   
   I did get a quote straigh away and actually it came in £20 a month cheaper, however I am aware that has not taken into account medical history, however minor, as I know this can increase premiums or lead to conditions not covered.
   However it has inspired me to seek some new quotes!
   
   
5. What improvements would you like to see in the tool?
   Actually for what it is I think it is pretty spot on, I've put off looking at life Insurance quotes as they take a long time and is hardly a cheery topic, however this quick and simple tool to check I did whilst waiting to pick kids up on the phone, and it has given me an idea on cover and spurred me on to take action.
   
   Really good, useful tool.

[TheresALight]

1. What do you think of the design of the tool?
   Nice and simple design. Pleasing to look at and nice graphics
   
   
2. Did you find the tool easy to use and understand? Why/Why not?
   Yes, the questions were simple and the breakdown of figures at the end was a good way too visualise how much was required
   
   
3. Did the tool prove helpful to you? Did you find that you had a protection gap?
   Yes it was helpful and confirmed that I already have surplus cover
   
   
4. Did the tool inspire you to take action to alter your life insurance cover?
   No as it confirmed that I already have enough cover. If I had used this tool beforehand then I would have been promoted to take out cover and would have been confident how much to cover myself for.
   
   
5. What improvements would you like to see in the tool?
   An option to include monthly outgoings for rent. The mortgage question is irrelevant to me so I had to key in that I had '0' left on my mortgage which makes it appear that we have no housing costs

[Mumtotwo22]

1. What do you think of the design of the tool?
   
   I thought it was nice and simply, fairly streamline and easy to do. I liked how it had explanations of what each question meant because I was a little unsure about some of them.
   
2. Did you find the tool easy to use and understand? Why/Why not?
   
   Yes it was easy. As said above, it has explanations next to each question to let you know what each one means.
   
   
3. Did the tool prove helpful to you? Did you find that you had a protection gap?
   
   I do because I don't have any insurance! 😳
   But it helped me get a picture of what cover I would need and the costs I can expect.
   
   
4. Did the tool inspire you to take action to alter your life insurance cover?
   
   It made me think a lot more about it, it something that has inspired me to have a look around the market.
   
   
5. What improvements would you like to see in the tool?
   
   None really. I thought it was a good tool that asked the right questions. Easy to use and simple yet informative.

[Bonkerz]

1. What do you think of the design of the tool?
   Very simple and easy to use
   
   
2. Did you find the tool easy to use and understand? Why/Why not?
   
   Yes. Easy to use and it focuses on important stuff
   
   
3. Did the tool prove helpful to you? Did you find that you had a protection gap?
   Very helpful. I have no insurances at all. Keep meaning to do it but find it a nightmare.
   
4. Did the tool inspire you to take action to alter your life insurance cover?
   Yes it's inspired me to actually get something sorted finally.
   
5. What improvements would you like to see in the tool?

[JanieLovesLuckySocks]

What do you think of the design of the tool?
It was easy to use, clear questions and you knew by the bullets at the bottom how many questions were remaining
2) Did you find the tool easy to use and understand? Why/Why not?
It was fairly simple to use in design, although some of the questions were confusing
3) Did the tool prove helpful to you? Did you find that you had a protection gap?
It made me frightened that I have no pension and no savings and no way of affording either
4) Did the tool inspire you to take action to alter your life insurance cover?
I have cover for my mortgage and that's as much as I can afford right now, maybe down the line
5) What improvements would you like to see in the tool?
Maybe a '?' Button offering info about what they're asking for those that are unsure

[Caillou]

1. What do you think of the design of the tool?
   
   very simple and easy to use.
   
   
2. Did you find the tool easy to use and understand? Why/Why not?
   
   yes very easy to use and quick once you have got all the necessary information to hand
   
   
3. Did the tool prove helpful to you? Did you find that you had a protection gap?
   
   it was an eye opener as the quote ended up being really high
   
   
4. Did the tool inspire you to take action to alter your life insurance cover?
   
   no it didn't
   
   
5. What improvements would you like to see in the tool?
   
   nothing I think it is very good, simple, quick and instant quote.

[j311yt0t]

1. What do you think of the design of the tool?
   Quick, easy, nicely laid out
   
2. Did you find the tool easy to use and understand? Why/Why not?
   Yes except the number inputting, would be easier to have a drop down menu, my numbers on keyboard didnt always load first time.
   
3. Did the tool prove helpful to you? Did you find that you had a protection gap?
   It did prove helpful, made me think about what I should be aiming for, and that we definitely should not have any more children!
   
4. Did the tool inspire you to take action to alter your life insurance cover?
   It may inspire me to get life insurance cover yes.
   
5. What improvements would you like to see in the tool?
   No partners income option? Found it a bit confusing where/if I should include it.
   Also not applicable to me completely as dont have a mortgage yet, so would have been more relevant if it included rent payments etc.