When it comes to taking care of your loved ones, you want to make sure you’re making the right choice. There are a lot of options out there and knowing which is best for your family can be difficult – but we’re here to help. We take great pride in our Family life Insurance because it’s designed for real families. Here are just some of the ways we make Family Life Insurance family-friendly:
You can see how we stack up against some of the UK’s most well-known life insurance providers below. The information in the below table is correct as of 22/08/2023.
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Whole of life policy
With Smart Family Life Insurance, you can have peace of mind, with our Age Based policy, that you can keep cover in place for the whole of your life rather than deciding on a fixed term. So, you can relax knowing your safeguard is always in place.
We understand that circumstances can change, and life sometimes doesn’t go to plan. So, unlike some other insurers, you can apply to increase or decrease your monthly premium amount at any time during your policy with no fees.
Rated No.1 by Fairer Finance
We value every one of the customers we help each day. You don’t have to take our word for it though, we’re proud to say that we have been rated as the No.1 Life Insurance provider by Fairer Finance for customer experience.
Terminal illness cover
Unfortunately, we never know what might be around the corner. With Smart Family Life Insurance, you have peace of mind that if you are diagnosed with 12 months or less to live by a medical specialist, the benefit of your policy would be paid in full.
With the Smart Cashback®, you get back 10% of your first year’s premiums. The cashback is automatically paid within 14 working days of your 12th consecutive monthly payment being received.
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.
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.