Help protect your family from the unimaginable

When you take out a Smart Family Life Insurance Policy, we know that you want your little ones protected if something should happen. Unfortunately, the reality is that illness and accidents can happen at any age. That’s why we offer optional Children’s Cover alongside every Smart Family Life Insurance policy, so your loved ones can have some extra protection.


For an additional premium, you can choose a benefit amount of between £10,000 and £30,000, which will be paid out if your child suffers a specified serious illness or injury, or passes away in an accident. This cover is designed to provide some financial relief from things like medical bills and rehabilitation costs if the worst should happen, so your family can focus on getting through it together.


For more information on this and other optional covers, get in touch with one of our UK-based team of specialists today for your free no-obligation quote.

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Our awards and ratings

We're here to help our customers protect the life they've built with their loved ones. Part of how we do this is to provide the best possible service and products. Here are just some of our customer ratings we've earned for our excellent customer service, and some of the awards we've won so far.

What's covered?

Any child (up to the age of 21) that is financially dependent on you can be insured under our Children’s Cover. If your child passes away due to an accident^, the additional benefit amount will be paid out. The benefit will also be paid out if your child suffers from any of these illnesses or injuries:

  • Bacterial meningitis resulting in permanent symptoms
  • Blindness – permanent and irreversible
  • Deafness – permanent and irreversible
  • Encephalitis resulting in permanent symptoms
  • Loss of hands or feet - permanent physical severance
  • Paralysis – total and irreversible
  • Traumatic head injury resulting in permanent symptoms

Things to keep in mind


  • Our Children’s Cover is not a standalone policy; it is an optional extra that can be included with your Smart Family Life Insurance
  • The specified illnesses and injuries above cannot be covered if the condition was known to be present at birth
  • Illness or injuries that happened before the start date or within the first 3 months of your policy won’t be covered – this includes instances where symptoms appeared before the start date
  • If the insured child passes away due to non-accidental causes within 28 days of suffering one of the specified illnesses or injuries, we cannot pay the benefit amount


View Full Policy Terms & Conditions

Get your Quote today

Enter your details to get your obligation-free quote.

You must be between 18 and 59 to apply for Critical Illness Cover.
You can read our terms of use and our privacy policy. When you click "Get a Quick Quote", you agree that we can use your phone number and email address to contact you about your quote. We may send you a text message to help you choose the best time for us to reach you.

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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Protect the life you’ve built, the Smart way

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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.

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Where the child’s death occurs within 90 days of the accident.