Every pound counts 

Supporting your family can be expensive and unexpected bills and costs can pop up with no warning, so it’s important to make every pound count. We want to help you get the most from your life cover, which is why once you have made your first 12 full monthly premium payments, we will pay back 10% of the first year's premiums. You don’t need to do a thing, we’ll simply pay you back automatically within 14 days of your 12th successful premium payment. 

Find out more about how you can help protect your family the Smart way by calling us today to chat to our specialist team – we’re here to help. 

Get a Quick Quote

£125 Gift Card of your choice*

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!

Why choose Smart Family Life Insurance?

  • Personalised protection – Apply for up to £750,000 of cover depending on your age with optional extras such as Critical Illness and Children’s Cover
  • Terminal Illness cover – Get 100% of your benefit amount in advance if you’re diagnosed with a terminal illness1
  • A simple application process – With just a few simple health and lifestyle questions and no medicals, blood tests, or complicated forms, and no brokers!
  • Award-winning service – We’ve earned an ‘Excellent’ rating on Trustpilot, and the 10 Years of Excellence Trusted Service Award 2024 from Feefo. We’re also rated Gold and ranked No.1 in the life insurance market for customer experience by Fairer Finance. And what’s more, we won Best Life Insurer in the The Times Money Mentor Awards 2023
  • 5-star product – Smart Family Life Insurance has been rated 5 stars by Defaqto, so you know you’re getting a high-quality policy

More reasons to choose Smart Family Life Insurance

  • Immediate cover – Get cover from day one2 
  • 99% of all claims having been paid3 – Rest easy in knowing you’ve chosen protection with a great track record
  • Smart Cashback – Get 10% of your first year's premiums back once you've made 12 successful monthly payments4
  • FREE Health and Wellbeing services5
  • Great value – Get cover from as little as £14.77 a month in the first year for a £250,000 benefit amount6

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

View full policy terms & conditions

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Get a quick quote for Family Life Insurance today

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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.  


If you are diagnosed with 12 months or less to live by a medical specialist, the benefit would be paid in full.


You will have full cover from day one except if death is the result of self-inflicted injury in the first 12 months.


Smart Insurance products are provided by Scottish Friendly, who approved and paid 99.38% of all life insurance claims they received in 2022.  


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.


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.