Family Life Insurance
  • How we compare
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See how our Family Life Insurance compares

When it comes to taking care of your loved ones, you want to make sure you’re making the right choice. There are a lot of options out there and knowing which is best for your family can be difficult – but we’re here to help. We take great pride in our Family life Insurance because it’s designed for real families. Here are just some of the ways we make Family Life Insurance family-friendly:

  • Get up to £750,000 of cover depending on your age
  • 99% of all claims having been paid1
  • Free Health & Wellbeing services2
  • Cover from as little as £14.77 a month in the first year for a £250,000 benefit amount3

You can see how we stack up against some of the UK’s most well-known life insurance providers below. The information in the below table is correct as of 01/05/2026.

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Provider

Table header image

Legal & General

Aviva

Beagle Street

Product

Smart Family Life Insurance

Life Insurance Plan

Life Insurance Plan

Life Insurance Plan

Whole of life policy

Flexibility to make changes for free

Rated No.1 for customer experience by Fairer Finance

Terminal Illness cover

10% Cashback

Comparison points explained

Whole of life policy


With Smart Family Life Insurance, you can have peace of mind, with our Age Based policy, that you can keep cover in place for the whole of your life rather than deciding on a fixed term. So, you can relax knowing your safeguard is always in place.


Flexibility


We understand that circumstances can change, and life sometimes doesn’t go to plan. So, unlike some other insurers, you can apply to increase or decrease your monthly premium amount at any time during your policy with no fees.


Rated No.1 by Fairer Finance


We value every one of the customers we help each day. You don’t have to take our word for it though, we’re proud to say that we have been rated as the No.1 Life Insurance provider by Fairer Finance for customer experience.

Terminal illness cover


Unfortunately, we never know what might be around the corner. With Smart Family Life Insurance, you have peace of mind that if you are diagnosed with 12 months or less to live by a medical specialist, the benefit of your policy would be paid in full.


Smart Cashback


With the Smart Cashback®, you get back 10% of your first year’s premiums. The cashback is automatically paid within 14 working days of your 12th consecutive monthly payment being received.

Frequently Asked Questions

Here are the answers to some of the most common questions we get asked. If you’re still unsure about anything or you don’t find what you’re looking for, please call us on . Our award-winning team of life insurance specialists would be happy to help.

Protecting your family and the life you’ve built together is one of the most important things you can do. With Smart Family Life Insurance, you can make sure that your loved ones are taken care of not just now, but in the future too.

We’re here to help you ensure that your family have much needed financial support if you were to be diagnosed with a terminal illness or pass away. The benefit amount from your policy could help support your children and their education costs, or it could help with mortgage payments or settling other loans and debts. Not only that, but thanks to our free Health and Wellbeing services2 you can look after your family’s health today.

By taking just a few minutes to sort out cover now, you're helping to protect your family and their future the Smart way.

Life doesn’t wait around and neither do we. When you take out a Smart Family Life Insurance policy, you’ll have cover from day one – excluding intentional self inflicted injury within the first 12 months. As well as that, if a medical specialist diagnoses you with a terminal illness with 12 months or less to live, you’ll get a 100% advance on your benefit amount. That way, you can enjoy your precious time with family without needing to worry about money.

You have the choice of including optional Children’s Cover or Critical Illness Cover alongside your Family Life Insurance Policy. These extra cover options can give you added peace of mind that your loved ones are protected if the worst should happen. You’ll also have free access to a range of Health and Wellbeing services2 for you, your partner, and any children you have up to age 21.

You’re not covered for death as a result of intentional self inflicted injury until 12 months after your policy has begun. If you take out optional Children's Cover or Critical Illness Cover there are specific limitations for each. You can find the full policy terms and conditions for Children’s Cover here, and for Critical Illness Cover here.

Our Family Life Insurance is simple. We give you a personalised quote that suits your needs and budget. If you’re happy with it, you can take out cover in minutes by just answering a few health and lifestyle questions. You pay your premium each month and if you die while your policy is in place, your family will receive your benefit amount. You can choose an Age-Based or Level policy.

With an Age-Based policy, your monthly premium will start at a lower amount and is recalculated every year based on your age and any applicable benefit amount increases. An automatic 5% benefit amount increase will be applied for the first 10 years of your policy, unless you decide to opt out of the benefit amount increases. This is a whole of life policy and stays in place for life as long as you keep up with payments.

With a Level policy, the benefit amount and the monthly premium remain fixed throughout the policy term, unless you decide to make changes. You can choose a policy term that lasts between 10 and 40 years.

Family life is unpredictable and we never know what lies around the corner. If you wait until you are unwell, the cost of life insurance could increase, and it could be more difficult to take out a policy to help protect your family. Not only that, but generally the younger you are when you take out a policy, the cheaper your premiums are.

At Smart Insurance, we know how important it is for you to stay fit and healthy for your family, which is why we provide free Health and Wellbeing services2 to all our customers. You, your partner, and any children you have up until the age of 21, have access to a range of services to help keep your family healthy and happy, and to be ready for any curve ball that life throws at you.

With Smart Family Life Insurance, you have cover from day one (excluding intentional self inflicted injury within the first 12 months). Which means as soon as you take out a policy, you’re covered. If a medical specialist diagnoses you with a terminal illness with less than 12 months to live at any time during your policy, you’ll receive a 100% advance of your benefit amount.

How to buy Smart Family Life Insurance

Family life doesn’t wait around and neither do we. You can get your free quote in minutes with no obligation to buy. If you are happy with your quote, you can buy cover in just three easy steps.

  • Step 1: Fill out your details
  • Step 2: Get your free personalised quote
  • Step 3: Answer a few health and lifestyle questions and buy your cover

You can have it all sorted in one phone call before the kids have finished their tea.


If you have any questions or you would like to learn more about your cover options, our UK team of life insurance specialists will be happy to help. You can call us on We're open Monday to Friday from 8am to 8pm and Saturday from 9am to 6pm (excluding bank holidays).

Smart Guides

Make the Smart choice for your family

*

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

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

2

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.

3

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.