What’s smart about Smart Family Life Insurance?

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Smart Family Guarantee

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

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Personalised protection

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

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Terminal Illness cover

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

Peace of mind made easy

As a parent, you make choices every day that help keep your family happy, healthy, and supported. Getting life insurance is one of the more significant decisions you’ll make – and one that we tend to put off as we focus on more immediate things. Designed to protect the life you’ve built, Smart Family Life Insurance is cover that can be personalised to fit you and your family. If you’re a UK resident aged 18 to 64 you can apply for up to £750,000 worth of cover, depending on your age.


You can choose to include optional extras like Children’s Cover or Critical Illness Cover. And for even greater peace of mind, you’ll get a 100% advance of your benefit amount if you’re diagnosed with a terminal illness2. If the worst happened to you, your loved ones would receive a cash lump sum that could help with the mortgage, loans, or supporting your kids. With 99% of all claims having been paid3, you can trust that we’ll be there for your family.

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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.

Platinum Trusted Service Award 2026
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Money Mentor Awards 2023

Why choose Smart Family Life Insurance?

  • Smart Family Guarantee – We guarantee a simple application, award-winning service, and cover from day one1
  • Personalised cover – Apply for up to £750,000 of cover depending on your age with optional extras such as Critical Illness and Children’s Cover
  • 100% advance for terminal illness – Get your full benefit paid in advance if you are diagnosed with a terminal illness with 12 months or less to live by a medical specialist
  • A simple application process – With just a few health and lifestyle questions and no medicals, blood tests, or complicated forms, and no brokers!
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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
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The cost of Life Insurance

Buying life insurance is probably one of the most important things you’ll do for your family but it doesn’t need to cost an arm and a leg. At Smart Insurance, we tailor your life insurance to you. That means we work with you to explore your options and budget so we can personalise your cover and help protect your family, the Smart way. Things that could impact the cost of your cover are:

  • Your age
  • Your smoker status
  • Optional extras
  • How much cover you need
  • Your response to health and lifestyle questions

How we compare

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£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!

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How much cover do I need?

It can be difficult to think about what might happen if you were no longer around. However, deciding how much cover you need is an important part of the process. First, you can think about what you would like your cover to help pay for.


You might want to ensure your family have enough financial support if you weren’t around to provide for them. Smart Family Life Insurance is a way for you to help your loved ones, so they don’t have to shoulder these costs alone.


You should also think about how much you can afford in monthly premiums not just now but in the future too. With Smart Family Life Insurance, you can apply for up to £750,000 depending on your age. For extra peace of mind, there are also optional covers available such as Critical Illness Cover and Children’s Cover. Our team of trusted life insurance specialists can help you explore your options without the obligation to buy. You can also use our handy life insurance calculator to get a better idea of what cover might be suitable for you.

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Frequently Asked Questions

Here are the answers to some of the most common questions we get asked. If you’re still unsure about anything or you don’t find what you’re looking for, please call us on . Our award-winning team of life insurance specialists would be happy to help.

Protecting your family and the life you’ve built together is one of the most important things you can do. With Smart Family Life Insurance, you can make sure that your loved ones are taken care of not just now, but in the future too.

We’re here to help you ensure that your family have much needed financial support if you were to be diagnosed with a terminal illness or pass away. The benefit amount from your policy could help support your children and their education costs, or it could help with mortgage payments or settling other loans and debts. Not only that, but thanks to our free Health and Wellbeing services4 you can look after your family’s health today.

By taking just a few minutes to sort out cover now, you're helping to protect your family and their future the Smart way.

Life doesn’t wait around and neither do we. When you take out a Smart Family Life Insurance policy, you’ll have cover from day one – excluding intentional self inflicted injury within the first 12 months. As well as that, if a medical specialist diagnoses you with a terminal illness with 12 months or less to live, you’ll get a 100% advance on your benefit amount. That way, you can enjoy your precious time with family without needing to worry about money.

You have the choice of including optional Children’s Cover or Critical Illness Cover alongside your Family Life Insurance Policy. These extra cover options can give you added peace of mind that your loved ones are protected if the worst should happen. You’ll also have free access to a range of Health and Wellbeing services4 for you, your partner, and any children you have up to age 21.

You’re not covered for death as a result of intentional self inflicted injury until 12 months after your policy has begun. If you take out optional Children's Cover or Critical Illness Cover there are specific limitations for each. You can find the full policy terms and conditions for Children’s Cover here, and for Critical Illness Cover here.

Our Family Life Insurance is simple. We give you a personalised quote that suits your needs and budget. If you’re happy with it, you can take out cover in minutes by just answering a few health and lifestyle questions. You pay your premium each month and if you die while your policy is in place, your family will receive your benefit amount. You can choose an Age-Based or Level policy.

With an Age-Based policy, your monthly premium will start at a lower amount and is recalculated every year based on your age and any applicable benefit amount increases. An automatic 5% benefit amount increase will be applied for the first 10 years of your policy, unless you decide to opt out of the benefit amount increases. This is a whole of life policy and stays in place for life as long as you keep up with payments.

With a Level policy, the benefit amount and the monthly premium remain fixed throughout the policy term, unless you decide to make changes. You can choose a policy term that lasts between 10 and 40 years.

Family life is unpredictable and we never know what lies around the corner. If you wait until you are unwell, the cost of life insurance could increase, and it could be more difficult to take out a policy to help protect your family. Not only that, but generally the younger you are when you take out a policy, the cheaper your premiums are.

At Smart Insurance, we know how important it is for you to stay fit and healthy for your family, which is why we provide free Health and Wellbeing services4 to all our customers. You, your partner, and any children you have up until the age of 21, have access to a range of services to help keep your family healthy and happy, and to be ready for any curve ball that life throws at you.

With Smart Family Life Insurance, you have cover from day one (excluding intentional self inflicted injury within the first 12 months). Which means as soon as you take out a policy, you’re covered. If a medical specialist diagnoses you with a terminal illness with less than 12 months to live at any time during your policy, you’ll receive a 100% advance of your benefit amount.

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Free Info Pack

Learn more about our Family Life Insurance with our free and easy to understand Info Pack. It includes important information about our cover, so you can explore your options further.

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How our cover works

We understand that no two families are the same. That’s why when you take out Family Life Insurance, you have two options of how you would like your cover to work. You can choose between an Age-Based policy, or a Level policy.

Age-Based policy

An Age-Based policy is a type of increasing life insurance. This means that your monthly premium will start at a lower amount than a Level policy and is recalculated every year based on your age and any benefit amount increases.

Level policy

A Level policy is a type of term life insurance. It can be a great option for people who would like to know exactly what they’ll be paying now and in the future. With a Level Smart Family Life Insurance policy, the monthly cost will stay the same each year. You have a choice of a fixed term from 10 to 40 years and at the end of this time, your cover will come to an end.

Optional Covers

Family life is unpredictable and as every parent knows, everything can change in the blink of an eye. That’s why we offer optional extra covers. You might not know what’s around the corner, but with a little bit of planning now you can have greater peace of mind that you’ll have more support if you need it.

Critical Illness Cover

  • Choose an additional benefit amount that is up to 50% of your life insurance benefit amount
  • Pays out if you suffer a defined critical illness such as cancer (excluding less advanced cases), coronary artery bypass grafts (with surgery to divide the breastbone), heart attack (of specified severity), or stroke that results in permanent symptoms
  • Minimum age at the start date is 18 and maximum age at the start date is 59
  • Cover ends when you turn 64
  • If you have an age-based policy, your critical illness benefit amount will automatically increase by 5% each year for the first 10 years. Your premium will also increase each year due to the benefit amount increases and your age.
  • This cover will not pay out within the first 3 months of being in place

Learn more

Children’s Cover

  • Choose an additional £10,000 to £30,000 of cover per child
  • Pays out for a range of specified illnesses and injuries, or if there is an accidental death. You can find a full list of conditions here
  • Your child can be covered as soon as they are born. The maximum age they can be at the start date is 20
  • If you have an age-based policy, your Children’s Cover benefit amount will automatically increase by 5% each year for the first 10 years. Your premium will also increase each year due to the benefit amount increases and your age
  • Cover ends when the insured child turns 21
  • The cover will not pay out if the insured child passes away within 28 days of the illness or injury

Learn more

More reasons to choose Smart Family Life Insurance

  • Award-winning service that you can trust – 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. And what’s more, we won Best Life Insurer in The Times Money Mentor Awards 2023
  • 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
  • Great value – Get cover from as little as £14.77 a month5 in the first year for a £250,000 benefit amount
  • Gift Card worth £125* – Choose a Gift Card from Amazon.co.uk, M&S or Argos
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Our claims process

Step 1 - Get in touch

To make a claim, simply call us on 0800 977 6984 or email us at claims@smartinsurance.co.uk. We understand that making a claim is going to be a distressing time. Which is why our claims team are specially trained to handle all calls with care and compassion.

Step 2  - Submit

We'll send you a claim form to be completed, signed, and returned to us along with a death certificate. We’ll review the claim as quickly as possible and will keep the person making the claim informed throughout the process. If we need any more information we’ll be in touch.

Step 3  - Payout

Once the claim has been approved, we will pay the benefit amount to the person that is legally entitled to it.

Flexible Trust Form

A Flexible Trust is a legal arrangement which allows the owner of a life insurance policy to define who benefits from the life insurance policy and who they would like to manage it.

Guide to Trusts

Find out more about what Trusts are and how they work in our helpful guide.

Smart Guides

Protect the life you’ve built, the Smart way

*

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.

1

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

2

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

3

Smart Insurance products are provided by Scottish Friendly. Scottish Friendly paid 99.5% of all life insurance claims they received in 2023.

4

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.

5

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.

6

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.