We all know that family life can get hectic, and it can be hard to find the time to plan ahead. It’s easy to get caught up in the day-to-day and ignore certain things. However, getting life insurance could be one of the most important things you do for your family. Life Insurance is a way for you to get peace of mind and help protect the life you’ve built for your family. It’s a safeguard for whatever the future might bring.
To break it down at its simplest, life insurance is a contract. You set this contract up between yourself and a life insurance company. This contract promises to pay out a cash lump sum when you die.
While it might seem like yet another expense, putting some thought into it today can make a huge difference to your loved ones. At Smart Insurance, we want to give you the tools to help you protect the life you’ve built for your family.
Do you need Life Insurance?
Sometimes looking after your family can feel like a full-time job. It can seem like there’s an endless list of things to do and never enough time to do them. It can be tempting to put life insurance off as something that takes too much time or something you would never use. Financial talk is also liable to send chills up your spine. A common reaction is “I’m young and healthy, why would I need to take out life insurance?”.
As we get older, we begin to build a life for our loved ones. And while you could well be in the prime of your life now, the reality is that you don’t know what is around the corner. With things like houses, children and spouses to look after, you might start to think about how you can properly protect them.
Life insurance is a way of making sure your loved ones don’t have to worry about all those financial commitments. The cash lump sum from a life insurance policy can be used to pay for things like a mortgage or other loans and debts. We understand it can be hard to think about what life would be like if you weren’t around to provide for your loved ones anymore. By getting a life insurance policy you’re getting peace of mind that the ones you care about most will have support when they need it.
How much life insurance should you get?
So, you may have decided to get life insurance but you’re not sure where to start or how much you might need. In the same way that no two families are alike, no two life insurance policies are the same. How much life insurance you will need or want will depend on your needs.
At Smart Insurance we want to help you protect the life you’ve built for your family. So, when thinking about how much to apply for you should consider what you would like to protect. It could be used to help pay for a mortgage or settle other loans and debts. So having a think about how much your debts or mortgage cost can give you a better idea of how much to apply for. With Smart Family Life Insurance, you can apply for up to £750,000 worth of cover depending on your age when you are applying.
If you’re still not sure where to start, there’s no need to panic! Our UK based team of specialists can help you to secure cover you can feel confident in. They’ll help you to secure your very own tailored life insurance policy over the phone in a matter of minutes. Allowing you to get on with things feeling confident no matter what the future might hold. You can also use our life insurance calculator to better understand what cover might suit you.
Why choose Smart Insurance?
At Smart Insurance, our cover is designed to help protect family life. We want to make it as straightforward as possible to secure cover you can feel confident in. That’s why we offer tailored life insurance policies that are only available exclusively with us. You won’t have to waste time ringing around and spend hours on the phone. We understand that your time is precious, so we’ll get straight to the point. All the while making sure you are comfortable with your life insurance policy.
We set high standards for ourselves, and we make sure that we provide every customer and their family with an excellent level of service. You don’t have to take our word for it though. Smart Family Life Insurance has earned a 5-star rating on Defaqto. We're also proud to have an ‘Excellent’ rating on Trustpilot after thousands of independent reviews. Not to mention that we have received the Platinum Trusted Service award from Feefo after winning a Gold Award every year since 2015 and are ranked #1 in the market for customer experience by Fairer Finance.
Smart Life Insurance
Smart Life Insurance can be broken down into 2 straightforward policies. I know your financial jargon senses might be tingling but really, it’s quite simple. Here’s a quick overview of them:
- Family Life insurance
- Guaranteed Life Insurance
Both of these policies offer your loved ones a cash lump sum, so which policy you choose is up to you and based on your own circumstances. At Smart Insurance, we want to simplify the process and help make getting life insurance as straightforward as possible for you.
What is Family Life Insurance?
Starting a family can be pretty scary. Somehow, in the end, those sleepless nights, nappy changes and nights in are worth it. Wanting to protect your family is an instinct that we all share. That’s where the Smart Family Life Insurance policy comes in. If you live in the UK and are aged 18 to 64, you can apply for our Family Life Insurance policy.
With a Family Life Insurance policy, you can apply for up to £750,000 worth of cover depending on your age. We offer cover from day one so, once your policy is in place you’ll be protected. You can choose your payout level to fit with your needs and budget.
With this policy there is a big choice you need to make. Whether you want to go for an Age-Based or a Level Policy.
What type of life insurance do you need?
At Smart Insurance, we understand that every family is different and has a unique set of needs. That’s why we offer our customers two different types of policies with Smart Family Life Insurance.