What’s smart about Smart Family Life Insurance?

Smart Family Guarantee
Smart Family Guarantee

We guarantee a simple application, award-winning service, and cover from day one1

Personalised protection
Personalised protection

Get up to £750,000 of cover depending on your age, and include optional extra cover

Terminal Illness cover
Terminal Illness cover

Get 100% of your benefit amount in advance if you’re diagnosed with a terminal illness2

Do I need life insurance?

Family life is hectic and when you’re being pulled in ten directions at once, it’s easy to put off the big things – like protecting what matters most. That’s why it’s important to make smart choices and plan ahead while you can. Our cover is designed to help protect family life. If you’re a UK resident aged 18 to 64, you can apply for up to £750,000 of Family Life Insurance. This could support your kids, help pay the mortgage, or help to pay off other debts if the worst happened to you. 

No two families are the same, so we provide personalised cover for your needs and budget. Applying is easy. You can only get our cover from us, so you don’t have to deal with complicated comparisons, long forms, medicals, or blood tests. We just ask a few health and lifestyle questions. With cover from day one1, you can feel confident that you’re protecting the life you’ve built, the Smart way. 

Get a Quick Quote

£125 Gift Card of your choice*

To say ‘thanks’ for trusting Smart Insurance to help protect your family, you can choose a £125 gift card from one of three top retailers. Treat yourself or someone special to a gift, gadget or even just some help with the food shop. It's up to you!

Why choose Smart Family Life Insurance?

  • Personalised protection – Apply for up to £750,000 of cover depending on your age with optional extras such as Critical Illness and Children’s Cover 
  • Immediate cover – Get cover from day one1 
  • Terminal Illness cover – Get 100% of your benefit amount in advance if you’re diagnosed with a terminal illness2
  • Easy to apply with a simple process  
  • Award-winning service – We’ve earned an ‘Excellent’ rating on Trustpilot, and a Platinum Trusted Service award from Feefo. We’re also rated Gold and ranked No.1 in the life insurance market for customer experience by Fairer Finance 
  • 5-star product – Smart Family Life Insurance has been rated 5 stars by Defaqto, so you know you’re getting a high-quality policy 
  • 99% of all claims having been paid3 – Rest easy in knowing you’ve chosen protection with a great track record  
  • Gift Card worth £125* – Choose a Gift Card from Amazon.co.uk, Tesco or Argos 
  • FREE Health and Wellbeing services4 
  • Great value – Get cover from as little as £14.77 a month5 in the first year for a £250,000 benefit amount
  • Smart Cashback – Get 10% of your first year's premiums back once you've made your first 12 successful monthly payments6 

Things to consider

When buying life insurance there are a couple of key things to remember. Here's what you should keep in mind when you are considering your life insurance policy:

  • Inflation may reduce the value of your benefit amount
  • If you stop your monthly payments, you will get nothing back

View full policy terms & conditions

Free Info Pack

Find out more about Smart Family Life Insurance with our FREE Info Pack. In it, you’ll find everything you need to know about Smart Insurance and how you can help protect your family the Smart way.

Smart Guides

Read More

Protect the life you’ve built, the Smart way.

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For new Family Life Insurance policy holders only, once a minimum of 6 successful monthly premiums have been paid and the total premiums paid exceed the face value of the gift card. View full terms and conditions. Restrictions apply, see www.amazon.co.uk/gc-legal.  


You will have full cover from day one except if death is the result of self-inflicted injury in the first 12 months.


If you are diagnosed with 12 months or less to live by a medical specialist, the benefit would be paid in full.


Smart Insurance products are provided by Scottish Friendly, who approved and paid 99.38% of all life insurance claims they received in 2022.  


Please note that the Smart Insurance Health and Wellbeing services do not form part of your life cover contract and it could be changed or removed in the future. This is a non-contractual benefit from Smart Insurance and can be withdrawn at any time. These services are only available to customers who purchased their policy on or after 27th September 2023.


Based on £250,000 of cover for a 32-year old non-smoker, on an individual age-based policy in the first year. Premiums depend on personal circumstances and increase annually based on age and cover. T&Cs apply.


As a Smart Family Life Insurance policy holder, once you've made your first 12 full monthly premium payments, you'll get back 10% of your first year's premiums which will automatically be paid within 14 working days. It’s simply our way of saying thank you for choosing Smart Insurance.