You can apply for Family Life Insurance cover on its own, or you can combine it with our optional covers; Critical Illness cover or Children’s cover.
Useful Information
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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
- Terminal Illness cover – Get 100% of your benefit amount in advance if you’re diagnosed with a terminal illness1
- A simple application process – With just a few simple health and lifestyle questions and no medicals, blood tests, or complicated forms, and no brokers!
- 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
- Immediate cover – Get cover from day one2
- 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
- Smart Cashback – Get 10% of your first year's premiums back once you’ve made your first 12 full premium payments
- FREE Health and Wellbeing services4
- Great value – Get cover from as little as £14.77 a month in the first year for a £250,000 benefit amount5
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
Smart Guides
Read MoreFor 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.
If you are diagnosed with 12 months or less to live by a medical specialist, the benefit would be paid in full.
You will have full cover from day one except if death is the result of self-inflicted injury in the first 12 months.
Smart Insurance products are provided by Scottish Friendly. Scottish Friendly paid 99.5% of all life insurance claims they received in 2023.
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.