Smart Insurance

Business Details

Family Life Insurance Protection in Windsor

At Smart Insurance, we specialise in providing tailored family life insurance solutions designed to protect the life you've built with your loved ones. Our policies offer coverage up to 750,000 depending on age, with optional extras such as Critical Illness Cover and Children's Cover to suit individual needs. We guarantee a straightforward application process with no medical exams or blood tests required, ensuring cover from day one except in cases of self-inflicted injury within the first 12 months. Backed by Scottish Friendly, which paid 99.5% of all life insurance claims in 2023, we combine industry expertise with award-winning service. Our commitment to excellence has earned us a 5-star rating on Defaqto, an Excellent rating on Trustpilot, and the Feefo Platinum Trusted Service Award.

We also offer unique benefits like our Smart Cashback scheme, returning 10% of your first year's premiums after 12 successful payments, and free Health & Wellbeing services for policies purchased post-27th September 2023. With flexible payment options starting from 14.77 a month for 250,000 cover, we make protecting your family both accessible and affordable. Our UK-based team is available Monday to Friday 8am-8pm, Saturday 9am-6pm, and Sunday 9am-5pm to provide expert guidance and support throughout your policy journey.

Services

Family Life Insurance Critical Illness Cover Children's Cover Terminal Illness Cover Smart Cashback

Highlights and features

Personalised protection up to 750,000 depending on age
Optional Critical Illness and Children's Cover available
Terminal Illness cover pays 100% benefit in advance
99.5% of claims paid by Scottish Friendly in 2023
Smart Cashback returns 10% of first year's premiums

Associations and certifications

Defaqto 5-star rating
Trustpilot Excellent rating
Feefo Platinum Trusted Service Award
Fairer Finance No.1 ranking for customer experience
The Times Money Mentor Best Life Insurer 2023

What people say

Award-winning service Excellent customer support Easy application process High claims payout rate Trusted provider status

Website

Update Listing

Services

Family Life Insurance

Our Family Life Insurance provides financial protection for your loved ones, offering coverage up to 750,000 depending on age. This policy helps safeguard your family's future by covering mortgage payments, debts, or childcare costs in the event of your death. Designed for UK residents aged 18-64, the policy features immediate cover from day one (excluding self-inflicted injuries in the first 12 months) and flexible term options.

Critical Illness Cover

Available as an optional add-on, Critical Illness Cover provides a lump sum payment if you're diagnosed with a specified serious illness during the policy term. This financial support helps cover medical expenses, lifestyle adjustments, or income replacement during treatment. The cover includes conditions like cancer, heart attack, and stroke, with clear definitions outlined in policy documents to avoid ambiguity during claims.

Children's Cover

This optional benefit extends protection to your children under the main policy, providing financial support if your child is diagnosed with a critical illness or passes away during the coverage period. Designed to help with medical costs, emotional support services, or future education funds, this add-on offers parents additional peace of mind. Coverage amounts and eligible conditions are clearly defined in policy terms.

Terminal Illness Cover

Included as standard, Terminal Illness Cover allows early access to 100% of your policy's benefit if you're diagnosed with a terminal condition and given 12 months or less to live by a medical specialist. This feature enables policyholders to enjoy their remaining time with financial security, covering medical care, family needs, or personal wishes without waiting for standard claim processes.

Smart Cashback

Our unique Smart Cashback scheme returns 10% of your first year's premiums within 14 working days after completing 12 successful monthly payments. This benefit rewards policyholders for maintaining their coverage while providing tangible financial value. The cashback amount is automatically calculated and paid without requiring additional applications, enhancing the overall value of our life insurance policies.

Questions

What does Family Life Insurance cover?

Our Family Life Insurance provides financial protection that pays a tax-free lump sum if you pass away during the policy term. This helps cover mortgage payments, childcare costs, or outstanding debts to protect your family's financial future.

How much cover can I get?

UK residents aged 18-64 can apply for up to £750,000 of cover depending on age and circumstances. Monthly premiums start from £14.77 for £250,000 cover at age 32, with amounts and prices varying based on individual factors.

Can I add extra benefits?

Yes, you can enhance your policy with optional Critical Illness Cover, Children's Cover, or Terminal Illness Cover. These add-ons provide additional financial protection for specific scenarios while maintaining the core life insurance coverage.

What happens if I miss payments?

If you struggle with payments, contact us immediately to discuss options. Unpaid policies result in no payout, but we offer support to help maintain coverage through temporary payment arrangements or policy adjustments when needed.

Is medical testing required?

No medical exams or blood tests are needed. We ask health and lifestyle questions during application to assess eligibility while maintaining accessible coverage options for most applicants.

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Reviews (4)

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Alex Luy

Sep 05, 2021 Report

AVOID! AVOID! AVOID!!! In 2019 I bought a car from Lexus Woodford. The garage offered me to purchase additional insurances for body minor damages protections. I thought that everything would be done within a Lexus, so I agreed to buy it. Unfortunately, as it turned out, the insurance was from smartinsurance.com. When I contacted them with a list of all minor defects on my car, the company refused to fix it. The company used their T&C to avoid repairing my vehicle. I had a brochure from Lexus directly with an explanation of all coverage. However, Smartinsurance decided to ignore that brochure and

Spencer Cohen

Oct 31, 2020 Report

Took out life insurance as the rates seemed reasonable. Once i received the documents in the post , it told a different story. The premium increased by over by 800% in year 25......very misleading for a company that is regulated. If they explained at the beginning i would have asked for a different option, now i will look elsewhere.

Clair Thorne

Oct 05, 2020 Report

Critical:Quality
Don't believe what you see in the TV advert. Unless you are young fit healthy ideal weight and a Saint they don't want to know. What a waste of time

Foluke Mercy Obiwusi

Aug 03, 2020 Report

Do not agree to this fraudulent company! Renault sold this smart insurance to me when I bought my car, i was informed they will fix any dent or scratches but everytime i got in touch, they keep refusing, last time my car was dented, I sent them a photo ,they approved the repair, next thing they asked me to pay excesses which was never in the contract, i paid, the repairer came and refused to fix the dent. 1000 pounds was a waste , never have anything to do with them. They are rip off.