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 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.

• Am I eligible for Smart Family Life Insurance?

  All UK residents aged between 18 and 64 are eligible to apply for Smart Family Life Insurance. Medical or blood tests are not required as insurability will be determined by your answers to some health and lifestyle questions. This is all done over the phone.

• 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 £6.89 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.