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Once you have chosen your provider you can apply directly online. This will involve filling out a quick health questionnaire which is sent directly to underwriting. If accepted on standard rates you may be able to start the policy straight away.

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Smart Life Insurance Review

Making sure that your loved ones are cared for and looked after is one of the biggest concerns for anybody. As such, picking a life insurance policy can be quite an unsettling experience. Nobody wants to think about the worst-case scenario. But it is a good idea to be ready and purchase an effective life insurance policy to soften the blow of a life-changing event like death.

Who Are Smart Life Insurance?

Formed as a result of a partnership between Scottish Friendly, a financial services group founded in the early 1860s, and the Neilson Financial Services organisation, they are able to offer Smart Life Insurance policies today.

What Life Insurance Policies Do They Offer?

The life insurance policies through Smart Life Insurance offers two options: Life insurance and Guaranteed life insurance. With each policy, clients can either opt for a level policy, where the premiums are fixed for the term chosen (up to 40 years). Or clients can choose an age-based policy; the premiums (payments) will increase as the policyholder gets older. The age-based policy also includes an automatic 5% increase in the benefit amount every year for 10 consecutive years.

What Does The Life Insurance Cover?

Designed to help your family cope with the costs of the mortgage and general living expenses in the event of your death, the main features of the policy are:

  • Available to customers aged 18 to 64.
  • It can provide up to £750,000 of cover (depending on your age).
  • No medical tests are required.
  • You are covered for death by accident and any additional cause, but self-inflicted deaths are not covered for the first year.
  • You can add optional covers to your policy, which includes children’s cover and critical illness cover.

What Does The Guaranteed Life Insurance Cover?

This policy is designed to help loved ones with funeral and final expenses which means the benefit amounts are lower than the Life cover. The main features of the policy are:

  • This is available to UK residents between the ages of 30 and 79.
  • Coverage is between £2,000 and £15,000, depending on your age.
  • Only after one year will the cover for death from any cause be covered.
  • Coverage for accidental death begins from day one.
  • Policyholders have the option of adding severe accidental injury coverage.

They also provide personal accident insurance. This is a policy designed for different types of events, but it includes a payment in the event of accidental death. This is different from the products above because it only covers accidental events and is open to UK residents aged 18 to 69. It provides between £30,000 and £500,000 worth of cover. The policy also includes an automatic 5% increase to your benefit amount with every year going up to 10 consecutive years from the start date of the policy. It also gives you the option to add children’s cover.

What Is The Acceptance Criteria?

Smart Insurance covers a wide range of age groups that are looking to apply for Life insurance coverage. For many companies looking to offer a policy, medical examinations can be an intimidating and stressful part of the process. For the life insurance products they offer, there is no need for medical exams or blood tests to determine eligibility (or, in fact, to determine the price of the premiums).

The application process requires the applicants to answer some basic lifestyle questions and some straightforward health questions the applicant can easily answer on their own. The Guaranteed Life policy is, as the name suggests, guaranteed for individuals between 30 and 79 years old. Applicants within this age range will not be asked any health-related questions, making it a painless process.

What Happens In The Event Of A Terminal Illness Diagnosis?

If there is a terminal diagnosis (defined as “a life expectancy of less than 12 months”) for a policyholder, the Life Insurance policy will provide 100% payment of the benefit amount in advance. This feature is only for the Life Insurance Policy and not the Guaranteed Life Insurance; it also doesn’t apply for the Personal Accident product.

What Are The Costs Of Policies From Smart Insurance?

Insurance policies can cover a wide variety of costs, the final cost of a Smart Insurance policy is all dependent on factors that are unique to each individual. The criteria could consist of the age of the applicant, their current health, as well as the level of coverage they are looking to acquire.

While the policy can be more expensive than other providers out there. The Health Insurance Daily’s review of Smart Insurance UK states that the policy may be more expensive than other providers, but you have to take into account the varying criteria, and the fact that age-based premiums can become very expensive the older a person gets. One policyholder stated they would be paying a minimum of £25 per month on the lower payment plan, despite being a non-smoker.

But every policy has a “Smart Cashback” component. The applicant can earn 10% of the premiums they have already paid back which takes place after the 12th successful monthly payment.

What Do People Say About Smart Insurance?

The Trustpilot reviews state an average of 3.5 out of 5, indicating an “average” mark. But this based on 4 reviews. However, on Feefo, Smart Insurance has 4.6 stars out of 5 from over 1000 customer reviews. The expert reviews state that the policies are easy to buy and offer a good range of options and attractive incentives. One of the key features is the free will kit, as well as the 10% cashback, making it attractive to those people who are paying into an insurance policy but don’t feel they are getting anything out of it.

As a policy for the family, it provides comprehensive coverage, and as is the case with many life assurance products, there is no cash-in value at any time. Depending on how long you live and the product you purchase, you may pay more in than you get back.

Discount Life Insurance…Why Use Us

We are an online advice service and as such have little overheads which enables us to give away more commission enabling us to me extremely competitive on price.

Having said all this, life insurance is not always about price and there are differences in the types of cover offered by providers. So we also provide an “advised sale” which means that we take on responsibility to make sure the policy you take is the right one and the most suitable for your circumstances.

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Our Happy Customers

The standard of service was first class. They kept me up to date with progress on my Relevant Life Policy, followed up promptly following delays caused by my medical practice being slow in compiling reports, and responded instantly and clearly to any questions I had.

- T Arnot

Everything was made very easy to understand. The quotes were the cheapest we found too. Very happy!

- P Law

We received a brilliant service from the team. We would be happy to suggest them to anyone for business insurance.

- Sam Harris

Jody was very helpful and got us the best price for what we wanted. We would highly recommend him to others.

- Jason Conor

A great brokerage for those looking for business protection. We would recommend them highly for business protection and personal insurance.

- Jane L

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