Smart Insurance Overview
Smart Insurance is a direct-to-consumer brand offering family life cover. Confirm the current insurer, underwriting arrangement, personalised premium, cover, exclusions and policy terms before applying.
The brand is narrowly focused — life cover and personal accident, sold direct rather than through advisers. The catalogue is two flavours of family life cover (a fixed-term level policy and an age-banded policy) with an optional critical illness rider that can be added at application stage.
Key features:
- Check the current insurer and underwriting arrangement
- Check the current personalised premium
- Review any promotional incentive and its conditions
- Check current customer-review sources
- Review the provider and underwriting arrangement
- Check current optional and included services
However, Smart Insurance is only available through direct purchase - they don't work with brokers like LifePro. This means you can't easily compare their quotes with other providers.
Compare Life Insurance Quotes from A Wide Range of UK Providers »Who are Smart Insurance?
Smart Insurance was established in 2013 and distributes life cover and personal accident products directly to consumers. Check its current product documents and independent review sources at their original dated sources.
- Confirm the current insurer and underwriting arrangement
- Compare the personalised premium and cover amount
- Review exclusions, cancellation terms and claim requirements
- Check current independent customer feedback at its original source
Check the current policy documents to confirm the insurer and underwriting arrangements for the selected Smart Insurance product.
Check Smart Insurance's current legal and policy documents for its trading, insurer and underwriting arrangements.
Smart Insurance Customer Reviews and Ratings
Customer reviews and product ratings can change. Check the current score, review count, date and methodology directly on each original platform before relying on them.
Customer reviews and independent product ratings can provide additional information, but check the original source, date and methodology.
Independent ratings for Smart Insurance:
Check Smart Insurance's current product ratings directly with each original rating service, including the date and methodology.
Ratings can change; check the current original source.
Customer reviews for Smart Insurance:
Check current customer scores and review counts directly on each original review platform.
Customer scores and review counts can change; check the current original source.
Compare Smart Insurance with quotes from other providers to see how the available premiums, cover and terms differ.
What Products Does Smart Insurance Offer?
Smart Insurance offers family life insurance on either a level or age-based basis, with optional critical illness cover available.
**Family Life Insurance (Level)**
Fixed-term life insurance providing financial protection for your family:
- Available to UK residents aged 18-64
- Policy terms: 10-40 years (or until age 79)
- Fixed benefit amount throughout term
- Level premiums (stay the same)
- Cover amount: £60,000 to £750,000 (varies by age)
Benefit amounts by age bracket:
- 18-44: £60,000 to £750,000
- 45-54: £60,000 to £400,000
- 55-59: £60,000 to £250,000
- 60-64: £60,000 to £150,000
**Age-Based Life Insurance**
Whole-of-life style cover where your payout increases over time:
- 5% annual benefit increase for first 10 years
- Cover lasts for life (as long as premiums paid)
- Premiums recalculated and increase annually
- Typically lower starting premiums than level policies
- Useful for covering funeral costs and inheritance
**Optional Critical Illness Cover**
Available as an add-on for ages 18-59, paying a lump sum if diagnosed with:
- Cancer
- Heart attack
- Stroke
- Multiple sclerosis
- Parkinson's disease
**Additional Benefits**
- Promotional gift for new customers, subject to current provider terms
- Online GP service, subject to current provider terms
- Optional children's cover
- Can write policy in trust
Important: If you cancel your policy, you won't receive any money back. Life insurance has no cash-in value.
Is Smart Life Insurance Worth It?
Whether Smart Insurance is right for you depends on your specific needs, budget, and preferences.
✓ Advantages
- titlePros:
- itemsCheck current customer-review sources, dates and methodologyUnderwritten by reputable Scottish FriendlyAdviser-led servicePromotional gift for new customers, subject to current provider termsOnline GP service, subject to current provider termsWide range of cover amountsBoth level and age-based options available
✗ Disadvantages
- titleCons:
- itemsSold direct only — there is no broker channel, so Smart's price cannot be quoted alongside other insurers in a single panel runDirect-only sales modelLimited product range (focus on life insurance only)Gift card requires 6 months of premium paymentsAge-based premiums increase annually
Smart Insurance offers life insurance underwritten by Scottish Friendly. Comparing quotes from multiple providers lets you review the available cover, terms and premiums side by side.
While LifePro cannot offer Smart Insurance quotes, we can compare policies available from a wide range of other UK insurers.
Consider comparing quotes if:
- Confirming whether the price you have is competitive against the wider panel
- When you'd rather have a UK-based adviser involved than buy direct from a single insurer
- Wanting one quote run that puts multiple insurers side by side
- Holding a medical history or occupational risk that affects underwriting
- Preferring no upfront fee and no obligation to apply
Compare Life Insurance Quotes from A Wide Range of UK Providers »
