for your family
Personalised life insurance at the right price.
Life insurance is the most simple, popular and cost effective way of protecting your family or mortgage in the event of your death. If you were to die during the term of your policy then you would have the peace of mind that your family will be left with a lump sum of money for financial protection.
There are different types of life insurance to choose from depending on what you need to cover.
Life insurance can be bought for a fixed term between 5 to 50 years and can run right up until your 90th birthday. If you need a longer policy, give us a call on 0800 012 4402 and we can run through the options available to you.
Life insurance is available either as a single or a joint policy. If you were to take a joint policy for you and your partner, normally the insurer would pay out when the first person dies. Once the insurer has paid out the policy will finish, leaving the surviving partner uninsured.
The alternative is to take out two individual policies; this means you will both be covered separately and the insurer will pay out for both deaths. Running two policies can be more expensive but most insurers will give you extra discounts to help, give us a call to find out more about single or joint policies.
The cost of a life insurance policy is calculated based on your age and whether or not you are a smoker. Other factors that will affect your premium is how much you would like to be covered for, the type of policy (level or decreasing) that you are applying for and the length of time you wish to be insured for.
Taking out a Life Insurance policy with Smarter Cover couldn’t be simpler. Use our quote enquiry service to find a selection of life insurance policy options.
Alternatively, you can call us directly on 0800 012 4402. We're a non-advisory service, so whilst we can't offer you any advice, we can answer your questions with facts, not our opinions.