Addressing Coronavirus (COVID-19) Life Insurance Concerns

Smart Family Life Insurance

Here at Smart, we understand the seriousness of Coronavirus (COVID-19). We have taken necessary precautions to protect our staff, who are now working from home and are available by phone to answer any of your questions.

We understand that families want protection now more than ever. Some may even be concerned about how their families might cope financially should they pass away. We want to make sure that you have access to a means of helping to put financial protection in place for your loved ones during these uncertain times.

During the current lockdown, many of us are facing new challenges. Whether the kids are running amok or you’re having trouble balancing working from home with family life, life insurance shouldn’t be something you need to worry about. 

We want to share straightforward information on how coronavirus may affect your life insurance policy. 

If you’re an existing customer, you can get in touch if you’re concerned about how coronavirus will affect your policy, including how we can help if you have been financially impacted. A member of our customer service team will be happy to answer any questions you might have. 

If you’re considering taking out cover, but are worried about how coronavirus might affect your policy, we’re going to clear things up for you by addressing some common concerns. Alternatively, if you would like to connect directly with a member of our team, pick up the phone and give us a call.

New customers can call us for FREE on 0800 977 6057 Monday to Friday from 8:00 am to 9:00 pm, Saturday from 9:00 am to 6:00 pm and Sunday from 9:00 am to 5:00 pm.

Existing Smart customers can contact us for FREE on 0800 458 6901 Monday to Friday 9am to 7pm.

Does life insurance cover coronavirus (COVID-19)?

As always, you are covered for death by any cause (including coronavirus) from day one with our Family Life policy (except if death is the result of suicide or self-inflicted injury in the first 12 months). With our Guaranteed policy, you are fully covered for death by any cause (including coronavirus) after 24 months. You are covered for accidental death from day one. This applies to both existing and new customers.


I tested positive for coronavirus (COVID-19) — can I still take out a life insurance policy?

Smart Guaranteed: Yes, you can still take out cover if you have contracted coronavirus. It will not affect the cost of your policy. Any UK resident aged 30 to 80 is guaranteed acceptance with our Smart Guaranteed policy, regardless of your health or medical circumstances. 

Smart Family Life: We do not request a medical examination for any of our policies, but we will ask some health and lifestyle questions during the Family Life application process. If you are applying for our Smart Family Life policy, you will be asked questions relating to coronavirus. Your responses to these health and lifestyle questions will determine if we can accept your application.


Will the cost of my insurance increase as a result of the coronavirus (COVID-19)?

No, there are no changes to how we work out the cost of a policy. If you’re applying for our Smart Family Life policy, we will use your chosen benefit amount, the premium type you have selected, your age and some health and lifestyle questions to determine the cost of your monthly payments.

For Smart Guaranteed insurance, your age and benefit amount and whether you have chosen a single or joint policy will be used to determine the cost - no health questions or medical needed. If you’re an existing Smart customer, your premiums will not change as a result of coronavirus.


What happens if I am concerned about missing a payment on my life insurance policy?

If you’re concerned that you might have trouble keeping up with your monthly payments due to current circumstances, please do not hesitate to contact us. We have a number of options available to help ease financial pressure including the option to defer premium payments. Existing Smart customers can discuss these options by calling us FREE on 0800 458 6901 Monday to Friday 9am to 7pm.

Can I apply for more cover?

We offer flexibility to our customers and in some cases, you can apply to add more cover to your policy. Depending on your circumstances, you could apply to increase the amount paid out if it is not already at the maximum amount. At any point, you can apply to have the cost of your monthly payments reduced or increased by reducing or increasing your benefit amount. With our Family Life policy, you have the option of applying to add extras like Children’s Cover and Critical Illness Cover.


Does it take longer to process claims because of coronavirus (COVID-19)?

Life insurance is there to protect your loved ones if you pass away, and we understand that there is sometimes a sense of urgency around receiving the payout. That’s why we try to process claims within days of receiving them. Currently, we aren’t experiencing any delays in processing claims.

If the time comes when you or your family need to make a claim, the process is simple. We make it easy for you or your loved ones to make a claim. All it takes is a phone call on 0800 458 6901. We’re available any time between 9am-7pm on weekdays. Or you can contact us by e-mail at

Why are Smart Insurance continuing to advertise during the crisis? 

Many people see life insurance as a way of helping to provide a sense of financial security for their loved ones. We want to make it easy for people to connect with a service that allows them to help put a financial safety net in place during uncertain times.

We aim to be as transparent as possible with our customers and will continue to provide clear information on our policies. We want to provide helpful information for existing Smart Insurance customers.

Where can I find the most up-to-date information on coronavirus (COVID-19)?

Misleading information can cause unnecessary stress and worry for people during an already difficult time. Here are some reliable sources that you can count on for honest, legitimate information on coronavirus:



The NHS coronavirus site can provide a lot of useful information on symptoms, what to do if you’re at higher risk, how you can help prevent the spread of coronavirus and tips for taking care of yourself while in self-isolation.

The UK Government

Our government have created an online guide that includes lots of information on coronavirus and the restrictions that are in place during lockdown.

Citizens Advice

Citizens Advice have a page dedicated to coronavirus and what it means for you. They offer advice on everything from managing your health to managing your finances during a time where many have been made unemployed as a result of the virus.

If you’re still unsure about the effects of coronavirus on your policy or you would like to know more about taking out a policy at this time, please get in touch with us today. Send us a quick email or give us a call if you prefer. A member of our team will be more than happy to answer any questions you might have.