What’s smart about Smart Family Life Insurance?

Every day, we make decisions we believe are best for our family. That’s why personalised protection can matter so much if the unexpected happens.


Designed to protect family life, Smart Family Life Insurance offers UK residents aged 18-64 up to £750,000 of cover, depending on your age. It offers a simple, flexible way to help pay the mortgage, clear debts, or support your children if the worst should happen to you.


You’ll receive immediate cover from day one1 and 100% of your benefit amount upfront if you're diagnosed with a terminal illness.2


Applying is easy. There are no complicated forms, medicals, or blood tests. We just ask a few health and lifestyle questions. You can also tailor your cover further with optional extras like Critical Illness and Children’s cover to fit you and your family.


Speak with our dedicated UK team today and learn how you can protect the life you’ve built, the Smart way.

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Our awards and ratings

We're here to help our customers protect the life they've built with their loved ones. Part of how we do this is to provide the best possible service and products. Here are just some of our customer ratings we've earned for our excellent customer service, and some of the awards we've won so far.

Benefits of Smart Family Life Insurance

  • Personalised protection – Apply for up to £750,000 of cover depending on your age
  • Smart Cashback – Get 10% of your first year's premiums back once you've made your first 12 successful monthly payments
  • Straightforward cover – no medical or blood tests – just a few health and lifestyle questions
  • Gift Card worth £125* – Choose a Gift Card from Amazon.co.uk, M&S or Argos
  • Terminal Illness cover – Get 100% of your benefit amount in advance if you’re diagnosed with a terminal illness2
  • 5-star product – Smart Family Life Insurance has been rated 5 stars by Defaqto, so you know you’re getting a high-quality policy
  • Immediate cover – Get cover from day one1
  • 99% of all claims having been paid3 – Rest easy in knowing you’ve chosen protection with a great track record
  • FREE Health and Wellbeing services4
  • Great value – Get cover from as little as £14.77 a month5 in the first year for a £250,000 benefit amount

Get your Quote today

Enter your details to get your obligation-free quote.

You must be between 18 and 64 to apply for this policy.
You can read our terms of use and our privacy policy. When you click "Get a Quick Quote", you agree that we can use your phone number and email address to contact you about your quote. We may send you a text message to help you choose the best time for us to reach you.

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
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Protect the life you’ve built, the Smart way

*

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.

1

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

2

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

3

Smart Insurance products are provided by Scottish Friendly. Scottish Friendly paid 99.5% of all life insurance claims they received in 2023.

4

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.

5

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.