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.
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 after winning a Gold Award every year since 2015 and are 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.
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:
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:
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!
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.
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.
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.
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.
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.
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.
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.
To make a claim, simply call us on or email us at email@example.com. 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.
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.
Once the claim has been approved, we will pay the benefit amount to the person that is legally entitled to it.
You will have full cover from day one except if death is the result of self-inflicted injury in the first 12 months.
If you are diagnosed with 12 months or less to live by a medical specialist, the benefit would be paid in full.
Smart Insurance products are provided by Scottish Friendly, who approved and paid 99.38% of all life insurance claims they received in 2022.
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.
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.
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.