Established in 2013, Smart Insurance is a financial services company that specialises in selling life insurance and personal accident insurance direct to consumers.
It's owned by Neilson Financial Services, which also owns the Sorted Insurance and British Seniors brands.
Smart's life insurance is underwritten and administrated by Scottish Friendly, a well-established Scottish financial services company which is owned by its customers.
Their offices are in Slough, Berkshire.
Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.
Critical Illness Cover
1 product reviewed
Smart Insurance
Smart Family Life Insurance With Optional Covers
| Feature | Value |
|---|---|
| Maximum age to cover |
63
|
| Maximum level of cover |
£375,000.00
|
| Additional condition cover limit (as a % of cover) |
N/A
|
| Additional condition cover limit (£) |
N/A
|
| Children's critical illness cover |
Optional
|
| Level cover | Yes |
| Decreasing cover | No |
| Fixed increasing cover | Yes |
| Index-linked increasing cover | No |
Life insurance
1 product reviewed
Smart Insurance
Smart Family Life Insurance
| Feature | Value |
|---|---|
| Maximum age at end of term |
79
|
| Highest payout limit (level cover) |
£750,000.00
|
Our unique Customer Experience Ratings help consumers find companies that offer a good service.
Life insurance
Ranked 1st of 21 providers reviewed
| Claims score | 88.81% |
|---|---|
| Complaints performance | 87.4% |
| Transparency rating | 86.61% |
|
Fairer Finance Score Reviewed Autumn 2026 |
87.60% |