Cash back Insurance Plan
Protecting your loved ones is easier than you think with our Cash back Insurance Plan life insurance. Buying or switching to our cover will provide your family with a lump sum payout if you die within the term of the policy. There is no cash-in value at any time. Protecting your loved ones – we paid 98.9% of our life insurance claims in 2018.
Quick and easy to apply – get a quote in just a few minutes online and more than 70%** of applicants receive an instant decision. We reward our existing customers – You could be entitled to 10% existing customer discount***.
Life and Critical illness insurance – if you take out life insurance and critical illness cover at the same time, the total premium will qualify for cashback in line with the rates shown
Joint cover – if you take out joint cover with somebody else your premium amount will also qualify for the Cash back Insurance Plan in line with the rates shown
Cash back Insurance Plan Life Insurance Plan pays out if you die in the policy term; there is no cash in value. The policy only pays out once, so when we’ve paid a claim, the policy will end. Alternatively, it will pay out if, during the policy term, you are diagnosed with a terminal illness (that meets our policy definition) and are not expected to live longer than 12 months. It is only available to UK residents aged between 18 and 89. Cashback is payable after your sixth monthly premium has been received.
insurance cash back offer
As a Smart Family Life Insurance® and Smart Personal Accident policy holder, you'll also get back 10% of your first year's premiums which will automatically be paid within 14 working days of your 12th successful monthly premium payment. It’s simply our way of saying thank you for choosing Smart Insurance.
When you first take out your new policy we will send you a Will Kit, a convenient way to help put your affairs in order.
Get in touch today and we'll send you an information pack.
Key Benefits of Family Life Insurance
- Choose your benefit amount from £60,000 up to £750,000 - depending on your age
- UK residents aged 18 to 64 can apply
- No forms - just an easy application over the phone
- No medical needed - we just ask a few health and lifestyle questions
- Age Based or Level - choose your premium payment options
- Automatic 5% benefit amount increase. Age Based policies can boost your benefit amount by 5% each year, over 10 years, with no further health or lifestyle questions For greater peace of mind, you can add optional Critical Illness cover, Children's cover or additional Accidental Death cover
- You're covered from day 1 (except if death is the result of self-inflicted injury in the first 12 months)
- Free Will Kit worth £100 - with every policy to help get your affairs in order
- 100% benefit paid in advance in the event of a terminal illness diagnosis
- Flexible policy - make changes for free
Insurance premium and Cash Back
| Monthly Premium | Cash Back |
|---|---|
| Monthly premium £250 and plus | £1000 |
| Monthly Premium £200-£230 | £850 |
| Mothly Premium £150-£180 | £750 |
| Monthly Premium £120-£140 | £600 |
| Monthly Premium £90 -£100 | £400 |
| Monthly Premium £60.01-£70 | £300 |
| Monthly Premium £50.01-£60 | £250 |
| Monthly Premium £40.01-£50 | £200 |
| Monthly Premium £30.01-£40 | £150 |
| Monthly Premium £25.01 – £30 | £125 |
| Monthly Premium £20.01 – £25 | £100 |
| Monthly Premium £15.01 – £20 | £75 |
| Monthly Premium £10.01 – £15 | £50 |
A Life insurance Company
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