Smart Family Life Insurance Smart Family Life Insurance

Help take care of the essentials

We all want the best for our loved ones. And if you choose Smart Guaranteed Life Insurance, you can relax and live life, knowing your loved ones will receive a lump sum payment if you were to pass away.  

You can select a benefit amount between £2,000 and £20,000, depending on your age. There are no questions asked about your health or any medical conditions that you may have. The lump sum payment can be used to help settle funeral costs and any other final bills, helping you to enjoy life with peace of mind.

With our Guaranteed Life Insurance policy, you'll be covered immediately for accidental death, and death by any cause after just 24 months. We also work with Scottish Friendly to provide our insurance and for 2022 they won ‘Best UK Mutual Insurer’ at the Capital Finance International (CFI) Awards. 

Smart Family Life Insurance Smart Family Life Insurance

Key Benefits

  • Choose your benefit amount from £2,000 up to £20,000 - depending on your age
  • Cover from just £3.57 a month1
  • Flexible policy - make changes with no fees
  • No medical needed or health questions
  • Immediate cover - for accidental death, and cover for death by any cause after just 24 months
  • 3 times your benefit amount up to £60,000 - if death is due to an accident
  • FREE cover after age 95 – from the policy anniversary following your 95th birthday premiums are no longer payable and cover continues for life
  • Guaranteed no increases - fixed monthly premiums let you plan for the future knowing the cost will never increase
  • Worldwide cover - you are covered anywhere in the world
  • Will Kit included with your Policy

We are a Feefo Platinum Trusted Merchant

Based on independent customer reviews, having achieved a Platinum Award for 2022. Read all Reviews

Smart Family Life Insurance Smart Family Life Insurance

Things to Consider

  • Inflation may reduce the value of your benefit amount
  • Depending on how long you live, you may pay in more than we pay out
  • If you stop your monthly payments, you will get nothing back


For a 30-year-old, on an individual policy with £2,000 of cover