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%