Some of the most common questions we get asked about our Family Life Insurance.

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.

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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  


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 This is a non-contractual benefit from Smart Insurance and can be withdrawn at any time. These services are only available to customers who purchased their policy on or after 27th September 2023.


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.