Smart Choice Finance

Life Insurance in the UK

Protect your loved ones

Your family is the most important for you. That’s why it’s crucial to provide them with financial protection if you’re no longer there for them. Life Insurance will support your loved ones through difficult times and secure their future.

Who can benefit from Life Insurance?

Although you pay the insurance premiums, the policy is aimed to benefit your loved ones (the persons named in your policy). They will receive the payout after you’ve passed away.

What do you gain with Life Insurance in the UK?

  • Support for your family finances after you’ve passed away
  • Provision for your financial obligations, e.g. debts or loans.
  • Money for your child’s education
  • Your family will be able to continue following your shared dreams when you’re no longer with them
  • Cover for the funeral expenses

Smart Choice

Features of insurance

Flexible choice

  • There is a choice of plans within this type of insurance – you can decide which one suits you best.
  • You can choose between a fixed lump sum payout and a monthly income.
  • You also decide how much you pay in premiums, which will determine the payout sum your loved ones will receive.

Types of Life Insurance in the UK

  • Family Income Benefit – it’s a fixed-term life plan. After you’ve passed away, your loved ones will receive a monthly income for the period of time outlined in the policy. For example, if the initial policy term was 30 years, but the policyholder passed away after 10 years, for the next 20 years his or her family will receive a fixed monthly income.
  • Term Life Assurance – it’s also a fixed-term life plan; the length of term could depend on the amount of time left to pay off your mortgage or until your child becomes independent. In this case, the beneficiaries will receive a lump sum payout.
  • Whole of Life Assurance – it’s a plan which covers an indefinite period. After you’ve passed away, whenever that is, your loved ones will receive the lump sum indicated in the policy.

Easy conclusion of contract

All you need to do is get in touch with us or one of our insurance agents and arrange a meeting. During the meeting, we will discuss the plans available as well as clarify any ambiguities.

Constant care

We guarantee constant care from our insurance agents. In case of your death, all your loved ones need to do is contact us. We will help them with all the formalities.

Exclusions and restrictions

Under certain circumstances the policy cannot be applied or its scope will be limited. But don’t worry – our agents will discuss all such events with you. 

For example: 

If your payments stop, so does your cover

The policy has no cash-in value at any time

You choose how long your policy lasts. Once it’s finished, your cover will stop and we won’t pay out if you die


You won’t be covered if you die in the first 12 months of the policy as a result of suicide or intentional, self-inflicted injury


See also other products

Protect your future and the future of your loved ones.