Preparing your family for the unexpected

Protecting your family means being prepared for whatever life throws at you. But life is unpredictable, and things can quickly change. That’s why we’ve designed our Critical Illness Cover to help you better prepare for the unexpected.


This extra cover provides a lump sum payment from your life insurance benefit amount should you suffer from a specified critical illness. You can choose a benefit amount of up to 50% of your existing Family Life Insurance benefit amount. If you were to fall ill, Critical Illness Cover could bring you and your family some much-needed relief from medical bills, loss of income, and other financial strains. This means you can focus on what matters; recovering and being with the people you love.


For more information on this and other optional covers, get in touch with one of our UK-based team of specialists today for your free no-obligation quote.

smart-insurance-uk-square-tvc-birthday-party-17.png

Award-winning service from a dedicated UK based team

Our customers and their families are our number one priority, and what they think about our products and the service we provide really matters to us. Smart Family Life Insurance has earned a 5-star rating on Defaqto, and we're proud to have an ‘Excellent’ rating on Trustpilot. We have received the Platinum Trusted Service award from Feefo, as well as receiving their 10 Years of Excellence Trusted Service Award 2024. We’re also ranked No.1 in the market for customer experience by Fairer Finance. What’s more, The Times Money Mentor named us Best Life Insurer in their 2023 awards. We're delighted to have won this title for our affordable, accessible products.

Platinum Trusted Service Award 2026
Award Image
Award Image
Award Image
Award Image
Money Mentor Awards 2023

What's covered?

The benefit amount from your Critical Illness Cover will be paid out if you suffer from any of the following:  

  • Cancer (excluding less advanced cases)  
  • Coronary artery bypass grafts, with surgery to divide the breastbone  
  • Heart attack (of specified severity)  
  • Stroke resulting in permanent symptoms 

Things to keep in mind


  • Our Critical Illness Cover is not a standalone policy; it is an optional extra that can be included with your Smart Family Life Insurance  
  • This benefit can only be claimed upon once and when you do, it will be deducted from the total benefit amount of your Smart Family Life Insurance policy 
  • Illnesses that are not included in our definitions of critical illness are not covered  
  • Critical illnesses that are caused as a result of self-inflicted injuries are not covered
  • Illnesses related to any event before the start date or within the first 3 months of your policy are not covered 


View Full Policy Terms & Conditions

Get your Quote today

Enter your details to get your obligation-free quote.

You must be between 18 and 59 to apply for Critical Illness Cover.
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
smart-insurance-uk-square-tvc-playground-21.png

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.