Protect the life you’ve built, the Smart way

Taking care of your family can sometimes feel like a full-time job. But ask any parent and they’ll agree - it’s one of the most rewarding things you can do in life. When family life is hectic, it’s even more important to make smart choices and plan ahead when you can. That’s where we can help. We’ve designed our Family Life Insurance to protect the life you’ve built. No two families are the same, so we offer cover that can be personalised to you. We also promise you a simple application, award-winning service, and cover from day one1 – that’s the Smart Family Guarantee.

Smart Family Life Insurance is exclusive to us - you can't buy it anywhere else. This means that we can make sure you get the most from your cover by exploring options that suit your family and budget. You can customise your policy and include optional Children’s Cover or Critical Illness Cover for even greater peace of mind. Or, if it’s right for you, you could choose our Guaranteed Life Insurance. There’s no pressure to buy, but if you’d like to it can all be sorted out in minutes. You can relax then, knowing that you’ve made a Smart decision for your family’s future.

Award-winning service from a dedicated UK based team

Our customers and their families are our number one priority, and what they think about our products and the service we provide really matters to us. Smart Family Life Insurance has earned a 5-star rating on Defaqto, and we're proud to have an ‘Excellent’ rating on Trustpilot. We have received the Platinum Trusted Service award from Feefo, as well as receiving their 10 Years of Excellence Trusted Service Award 2024. We’re also ranked No.1 in the market for customer experience by Fairer Finance. What’s more, The Times Money Mentor named us Best Life Insurer in their 2023 awards. We're delighted to have won this title for our affordable, accessible products.

What’s Smart about Smart Family Life Insurance?

We don’t just help protect your family’s future, we also help take care of the ones you love today. When you take out Smart Family Life Insurance, you’ll get access to a range of free Health and Wellbeing services4, a £125* Gift Card to spend as you want, and 10% Smart Cashback6 - so you can make every pound count. Here are some other things that make Smart Family Life Insurance a smart choice:

  • 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
  • The Smart Family Guarantee – Simple application, award-winning service and cover from day one1
  • Terminal Illness cover – Get 100% of your benefit amount in advance if you’re diagnosed with a terminal illness2
  • 99% of claims having been paid3 – So you can trust your cover to protect your loved ones 
  • Great value – Get cover from as little as £14.77 per month5

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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  


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.