Business Details
Trusted Family Life Insurance Solutions in the UK
Established to provide accessible and reliable life insurance solutions, Smart Insurance has become a trusted name in family protection. Our team combines industry expertise with a customer-centric approach, offering personalized policies that adapt to evolving family needs. We guarantee a streamlined application process with immediate coverage from day one, excluding self-inflicted injuries within the first year. Backed by Scottish Friendly, which paid 99.5% of life insurance claims in 2023, we deliver award-winning service rated Excellent on Trustpilot. Our commitment to transparency includes no hidden fees, with policies available exclusively through our direct channels. We provide optional add-ons like Critical Illness and Children's Cover, alongside unique benefits such as 10% cashback after 12 months and free health and wellbeing services.Recognised as The Times Money Mentor's 2023 Best Life Insurer, we maintain a 5-star Defaqto rating and Feefo's Platinum Trusted Service Award. Our UK-based team operates extended hours six days a week, ensuring accessibility for all customers. We prioritise financial responsibility through flexible payment options and support for policyholders facing financial difficulties. With over 750,000 customers protected, we remain dedicated to simplifying life insurance while maintaining the highest service standards.
Services
Life Insurance
Critical Illness Cover
Children's Cover
Terminal Illness Cover
Cashback Rewards
Highlights and features
- We guarantee immediate coverage from policy inception
- Our policies have supported over 750,000 UK families
- We are regulated by the Financial Conduct Authority
- We offer 10% cashback after 12 months of payments
- Our service is rated Excellent on Trustpilot with 5 stars
Associations and certifications
- Financial Conduct Authority
- Prudential Regulation Authority
- Defaqto 5-star rating
- Feefo Platinum Trusted Service Award
- The Times Money Mentor Best Life Insurer 2023
What people say
Award-winning service
Easy application process
Immediate coverage
Excellent customer support
Competitive pricing
Services
Life Insurance
Our Family Life Insurance provides financial security for loved ones with coverage up to 750,000. Designed for UK residents aged 18-64, policies can be tailored with optional extras like Critical Illness and Children's Cover. Immediate protection starts from day one, excluding self-inflicted injuries in the first year.
Critical Illness Cover
This optional add-on provides financial support upon diagnosis of specified critical illnesses. Available as a standalone policy or combined with life insurance, it offers peace of mind through comprehensive coverage for major health events including cancer, heart attacks, and strokes.
Cashback Rewards
Policyholders receive 10% cashback on first year's premiums after 12 successful payments. This unique benefit rewards consistent policy maintenance while maintaining full coverage. Payments are automatically processed within 14 working days.
Terminal Illness Cover
Guarantees 100% benefit payment if diagnosed with terminal illness (12 months or less prognosis). Available on all policies, this feature provides immediate financial resources during critical times without affecting standard life insurance coverage.
Health Services
Complimentary health and wellbeing resources available to policyholders. Includes access to medical advice services and wellness programs designed to promote healthier lifestyles while maintaining life insurance coverage.
Questions
What does family life insurance cover?
Our policies provide financial protection for dependents in case of policyholder's death, with optional critical illness coverage and child protection benefits.
How quickly does coverage start?
Protection begins immediately from policy inception, excluding self-inflicted injuries during the first 12 months.
Can I add extra benefits to my policy?
Yes, you can add Critical Illness Cover and Children's Cover to your basic life insurance policy.
How do I make a claim?
Contact our claims team by phone or email to receive the necessary forms, which must be completed and returned with supporting documentation.
What payment options are available?
Policies start from £14.77 monthly for £250,000 coverage, with flexible payment terms and 10% cashback after 12 months.
Are there any additional benefits?
Yes, we offer free health and wellbeing services, a £125 gift card reward, and Feefo award-winning customer support.
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