Help secure your family’s financial future with Smart Family Life Insurance

If someone depends on you financially, family life insurance could be important. After all, if you were no longer there to provide, the financial implications for those you love could be considerable.

The benefit amount can be used by your family to help them manage major household debts like the mortgage, car repayments or simply help with daily living expenses.

If you live in the UK and are aged 18 to 64, Smart Family Life Insurance® is here to help protect your family’s financial future.

Free Info Pack

Find out more about Smart Life Insurance with our easy to understand information pack. We will post this to you for FREE, and it includes important things to consider when buying life insurance.

Key Benefits

  • Choose your benefit amount from £60,000 up to £750,000 - depending on your age
  • No forms - just an easy application over the phone
  • No medical needed - we just ask a few health and lifestyle questions
  • Age Based or Level - choose your premium payment options
  • Free Will Kit worth £100 - with every policy to help get your affairs in order
  • 99.5% of all life insurance claims are paid2
  • 10% Smart Cashback®: After the 12th successful monthly payment, we will give you back 10% of the premiums you have paid
  • You're covered from day 1 (except if death is the result of self-inflicted injury in the first 12 months)
  • 100% benefit paid in advance in the event you are diagnosed with a terminal illness
See how our policy compares

Recommended by Experts

Fairer Finance Customer Experience Reviews are independent and designed to help you find an insurer that offers great service. We’re proud that Smart Family Life Insurance has been rated gold for six years and is now rated number one by Fairer Finance for customer experience.

Optional Covers

For greater peace of mind, you can also choose from the following range of optional covers to add to your Family Life Insurance policy when you apply or once you have been accepted. 

Children's Cover helps cover extra costs that may be incurred for items like medical expenses and school tuition if your child suffers one of the defined serious injuries or illnesses, which result in permanent irreversible symptoms. For example, it covers bacterial meningitis, paralysis, or encephalitis. The benefit amount is also paid in the event of Accidental Death.

Critical Illness Cover pays a benefit amount to you if you suffer a defined serious illness; cancer – excluding less advanced cases, coronary artery bypass grafts – with surgery to divide the breastbone, heart attack – of specified severity, or stroke – resulting in permanent symptoms.

Accidental Death Cover pays a benefit amount in addition to your Family Life Cover benefit in the event of your accidental death.

Frequently Asked Questions

  • Why is Smart Family Life Insurance important?

    Smart Family Life Cover provides cover to help fill the financial gap for your family if the worst were to happen and they were suddenly left without you to provide for them.

    If you are the main breadwinner in the family, it’s important to make sure that your family would have adequate funds to ensure that the dreams you have for your family are not jeopardised if you were no longer there.

    Smart Family Life Insurance provides a benefit which is paid to your family in the event of your death, or to you, if you are diagnosed with a terminal illness. The money can be used to help give your family a secure future – by helping to pay off the mortgage, outstanding debts or simply assisting with daily living expenses so life can go on even if the worst were to happen.

  • What does Smart Family Life Insurance cover?

    Smart Family Life Insurance covers death due to any cause (self-inflicted deaths excluded in the first 12 months). 

    You can also claim your full benefit amount if you are diagnosed as being terminally ill (with 12 months or less to live). This special benefit may help you get the best medical treatment available, put your personal affairs in order or settle other family needs.

  • I’m healthy, why would I need Smart Family Life Insurance now?

    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 substantially increase, and it may also be difficult to obtain. Once you have a Smart Family Life Insurance policy in place, you can keep it for life, and we guarantee to renew your policy, providing you continue to pay your premiums when due, regardless of changes to your health, occupation or pastimes.

  • How long do I need to have the family life insurance policy before I can make a claim?

    With Smart Family Life Insurance cover there is no waiting period. You are covered as soon as your application is accepted, and your chosen benefit is paid for death by any cause (self-inflicted deaths excluded in the first 12 months).

  • How much does Smart Family Life Insurance cost?

    Family Life insurance is a very personal purchase. The Family Life Insurance quote Smart Insurance will give you will depend on the amount of cover and the optional covers you choose, the premium type you choose, the term you select (applies to level premium policies) and your personal circumstances, for example your age, the state of your health, family history and occupation.
    You could buy life cover at £6.74 a month in the first year (that's 23p a day!) for £100,000 of benefit. That's for a 32-year-old non-smoker on a single, age-based policy. Your premiums increase annually based on age and your chosen benefit amount.

View all Frequently asked questions

At a Glance

Smart Family Life Insurance helps to provide financial protection for you and your family by providing a benefit amount to your loved ones in the event of your death or to you, in the event you are diagnosed with a terminal illness. You can apply for Life Insurance cover on its own, or you can combine your Life Insurance with a range of optional covers, including Critical Illness cover, Children’s cover or additional Accidental Death cover.

With Smart Family Life Insurance you can choose a benefit level to fit your needs and budget, depending on your age:

  • From age 18 to 44 - £60,000 to £750,000
  • From age 45 to 54 - £60,000 to £400,000
  • From age 55 to 59 - £60,000 to £250,000
  • From age 60 to 64 - £60,000 to £150,000

How to get Smart Family Life Insurance

Smart Family Life Insurance helps to provide financial protection for you and your family by providing a benefit amount to your loved ones in the event of your death or to you, in the event you are diagnosed with a terminal illness (diagnosed with 12 months or less to live by a medical specialist). You can apply for Life Insurance cover on its own, or you can combine your Life Insurance with a range of optional covers, including Critical Illness cover, Children’s cover or additional Accidental Death cover.

Get a Quote

Things to Consider

  • Inflation may reduce the value of your benefit amount
  • If you stop your monthly payments, you will get nothing back
View full policy terms & conditions

Call us today about our Life Insurance options

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1

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

2

The products offered by Smart Insurance are provided by Scottish Friendly, who approved and paid 99.5% of all life insurance claims received in 2019.