The company has a tie-up with Seven Investment Management, catering to high-end IFAs, and says its adviser extranet supports firms that do not want to adopt a wrap.
It is currently running an impact assessment to determine how to target the middle ground.
Zurich says it will either launch its own platform or build a bigger presence on independent wraps or potentially a combination of both.
UK Life intermediary sales director Richard Howells says: “Our tie-up with 7IM is working well and, on the other end of the spectrum, our quote and apply system supports adv- isers who do not want to adopt a platform. But what remains is this middle ground of advisory businesses.
“We have come to the conclusion that in order for us to be the size of player our brand warrants, we need to have a presence here.
“We can either service this group by making sure we have a presence on some of the independent platforms in the marketplace or by us providing some wrap or platform functionality of our own.”
The company’s impact assessment will conclude in the summer.