What can SmarterLife do for you?

ANSWER YOUR QUESTIONS 

If feel overwhelmed, confused or just have a question needing answered. Contact us and an Adviser can help.

POLICY HEALTH CHECKUP 

There are many reasons to check the health of your policy. For example, 1/4 of policies do not pay out due to errors.

HELP YOU DECIDE 

Our Advisers offer free advice without obligation, and could most importantly give you peace of mind.

NEW POLICY ADVICE

Our Advisers will help you choose the best possible life insurance policy at the best possible price.

Basic Life Insurance Steps

STEP 1

BOOK APPOINTMENT 

Fill out a form, send us an email or give us a call and schedule an appointment with one of our Advisers.

STEP 2

GET GREAT ADVICE

Our Advisers are the best in the industry and will give you free but valuable advice, leaving you certain of what to do next.

STEP 3

ACT ON THAT ADVICE

Our Advisers will help you take your next step, helping you get the right life insurance policy for you.

Testimonials

I must say I really thought that myself and more importantly my family were fully covered, for all possibilities, – I wasn’t. Smarter Life Insurance helped realise this and find me a policy that truly does cover me and my family in all circumstances.

JANICE HOLM

Absolutely brilliant service. I hadn't ever really thought about reviewing my life cover just assumed it was good cover because the mortgage advisor said it was. An advisor came to my house explained what I had actually been sold and showed a few other options. I now pay the same as I was before but I get double the cover for me and my wife. 

Jamie Hobbs

Great company I never had my policy's written in trust now I do. Fast service or professional, friendly or polite, I got a free will, happy with my life insurance, happy with my better mortgage protection, Finally got a pension in place, Didn't think I'd be eligible for a mortgage being self employed, until smarter mortgages was referred to me by a friend.

Chris Simpson

I wanted to have peace of mind that my children would be looked after and that is what Smarter Life did for me. They helped me realise what was the best Life Cover for me. I now have peace of mind.

Stacey Mills

Are you unsure of what to do? Talk to us and we can help you!

Our areas of expertise

LIFE INSURANCE

The things you do as a parent will last your children's lifetime. Your support and advice will stay with them always - because being a parent doesn't stop when your life does. Life insurance could provide you with the security of knowing your loved ones will be able to manage financially if you were no longer around.

MORTGAGE PROTECTION

Buying a home and taking on a mortgage is a big commitment, so it's worth arranging the right insurance cover for you and your family. If you’re buying with a partner, you may well have two salaries coming in. Yet what would happen if one of you died before the mortgage was paid off? It’s something none of us really like to think about, though it's important to consider how one partner would cope financially should the worst happen. 

RELEVANT LIFE PLAN

A Relevant Life Plan is a term assurance plan available to employers to provide an individual death in service benefit for an employee. It is designed to pay a lump sum if the employee dies whilst employed during the length of the policy. It will also payout if the employee, whilst employed, is diagnosed with a terminal illness and meets our definition at any time during cover. A Relevant Life Plan is paid for by the employer.

CRITICAL ILLNESS

Critical illness affects many people, at any age, and can turn families’ lives upside down. If you were to become seriously ill would your loved ones struggle to keep up with household bills and the mortgage? Make sure that you and your family are financially protected against the impact a critical illness could have.

INCOME PROTECTION

Our Income Protection cover is designed to help you cope if you lose your income as a result of sickness or an accident. It pays you a monthly income, to help replace some of your lost earnings (up to a maximum of 60% of your annual income before tax), and helps you and your family cope financially if you couldn't work. 

MORTGAGE ADVICE

Over our years of experience we have learned that while most people understand the idea of a mortgage, they are often overwhelmed by the complexity of the different products. Fortunately, once you know the basics it’ll narrow down your choices and make it a lot easier. We can give you that advice.

SMARTERLIFE
In numbers

5

Offices Nationwide

16

Expert Advisers

5500+

Happy Customers

How to reach us

OUR LOCATION

Smarter life insurance
International House 
38 Thistle Street 
Edinburgh 
EH2 1EN

PHONE NUMBER

0131 618 9754

EMAIL ADRESS

admin@smarterlifeinsurance.uk


Let's get in touch!

Enter your contact information and we'll get to you as soon as possible!

Learn more about us

Our story

The Smarter Life company is more than just a financial advisory service, we are a knowledge base of what it takes to live a smarter life.

We Know Your Finances Are Only One Part of Living

Yes, we can help you with the best advice on how to plan your life insurance, but if we can help you in any other ways we will.

We Compare 500+ Life Plans Across The Market 
So we can give you the best possible advice

£100,000 Life Cover from 

£60/year

We compare all the Major Insurers.

Fast, Free, No Obligation Advice.

£100,000 Life Cover from 

£5/mo

We compare all the Major Insurers. Fast, Free, No Obligation Advice

£100,000 Life Cover from

16.4p/day

We compare all the Major Insurers.

Fast, Free, No Obligation Advice.

Are you unsure of what to do? Talk to us and we can help you!

You Should Know Exactly What Your Requirements Are and the Best Options for You...
Before You Make Any Big Decisions...

We have a very simple policy here at SmarterLife. We don't activate any policy until you understand exactly what your needs are and know what your options are (even if it involves something outside of what our office can provide.) We work for you and our job is to make sure you know all of the options out there and can make an informed decision.

Step 1: You setup a quick call so Our Staff can Learn About Your Specific Requirements.


Simply fill out the form below and we'll call you to learn more about your requirements. If your requirement is something we think we can help with, we'll schedule you for an appointment with the Adviser (if we don't think your requirement is a fit, we'll refer you to where we think you should go).

Step 2: We Setup a Private Appointment with an Adviser.


We'll schedule you for a 30 minute appointment with one of our Advisers. We can do this over the phone or at your home.

Step 3: We Do a thorough review of Your Current Circumstances.


Over the next 30 minutes your Adviser will do a thorough review of your circumstances through an informal chat, some questions and a look at your current policies if you have any.

Step 4: We will walk you through What We Found during the Review and Present You With Your Options.


The Adviser will sit down with you and explain exactly what was found and walk you through all of your options. You will be presented with all of the possible paths you can take. 


Step 5: YOU DECIDE if you want to Move Forward.


You don't have to take our advice. If you do, we won't  proceed until you fully understand what is going on, what your options are, how much it will cost, and what you will get for your investment. We make sure that you understand everything that is going on at every step of the process and that you are ready to move forward. We have a strict "No
Surprises" Policy in our Office when it comes to Customer Care.

Step 6: We Help you Finally Get Your Life Cover under Control.


Once you approve the policy plan we get to work on helping get it up and running as quickly as possible.

Frequently Asked Questions

WHAT IS LIFE INSURANCE AND HOW DOES IT WORK?

Our life insurance helps to protect your loved ones financially in the event of your death. You choose the amount of cover you need and the length of time you want to be insured for. Your policy is designed to pay out your chosen amount of cover if you die during the length of the policy. It could be used to help pay the mortgage or help protect the family's lifestyle and everyday living expenses. Life insurance is also known as life assurance or level term assurance. Your premiums are guaranteed to stay the same unless you alter your policy.

WHAT IF I NEED TO MAKE A CHANGE TO MY POLICY?

Our policies allow you to make changes giving you the freedom to:

  • Change the term
  • Increase or decrease the amount of cover
  • Remove a life from a joint policy if cover is no longer required for that person
  • Change the frequency of your premium between annually and monthly

We also offer 'Joint life separation'. This allows a joint policy to be split into two new single policies if a couple divorce, dissolve their registered civil partnership or change a joint mortgage into one name.

HOW MUCH WILL LIFE ASSURANCE COST?

Our life assurance premiums can cost as little as £6 per month, that's the equivalent of just 20p a day. Your individual premium will depend on your own needs and circumstances.

 CAN I ADD CRITICAL ILLNESS COVER?

Yes, you can add Critical Illness Cover at an additional cost when you take out life insurance.

WILL MY LIFE INSURANCE POLICY BE WRITTEN IN TRUST?

Yes, our life insurance policies can be placed in Trust. Putting your plan in Trust can help to ensure that the right people receive the policy proceeds in the event of a claim. It can also help to reduce Inheritance Tax and a pay-out where the policy is in Trust is generally quicker than one where a grant of probate is required. 

 HOW MUCH LIFE INSURANCE DO I NEED?

It depends on your individual circumstances. You may want to think about leaving a lump sum to your dependants or help clear an outstanding mortgage on your death. If you'd like more help get in touch and speak to a financial adviser.

WHAT'S THE DIFFERENCE BETWEEN LIFE INSURANCE AND OVER 50S LIFE INSURANCE PLANS?

Life insurance is designed to pay out a cash sum if you die during your chosen period of cover, which is a maximum of 50 years, but the policy must end before your 90th birthday. Life insurance is underwritten so during the application process we'll ask questions about your medical history, occupation and lifestyle. Over 50s Life Insurance is designed to cover you until you die no matter when death occurs, providing you have held the plan for more than one year. To apply, you must be aged 50-80 and a UK resident. Over 50s life insurance is not underwritten so you wont be asked any medical or health questions. There are other important factors that you need to be aware of on both types of plan, so please contact us to speak with an Adviser. 

CAN I CANCEL MY POLICY IF I NO LONGER NEED IT?

Yes, you can cancel your policy. If you cancel within 30 days from the start of the policy we'll return any premiums paid. If you cancel after 30 days you won't get anything back. 

Smarter Life is a trading style of Smarter Life Insurance who will be providing your quotations. Smarter Life Insurance is an appointed representative of Insurance Advisory Group (FCA number 718940) who are authorised and regulated by the Financial Conduct Authority. The product information is obtained from independent sources and rates may vary depending on your circumstances. The content of this web page is meant to be informational, and it should not be considered financial advice. Your details will be sent to one of our advisers who will contact you to discuss your requirements.

* Quoted rate of £5 per month is based on £81238 of level term cover over a 20 year period. This is based on a 30 year old non-smoker and is correct as of 22/03/2018. Actual prices will vary depending on individual circumstances.

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