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An easy way to buy life insurance

The fastest way to buy life insurance online. Just 5 minutes is all you need to get cover.*

What is life insurance and what is Critical Illness cover?

Life insurance, in its simplest terms, pays out a lump sum when the person insured dies within the term of that policy; the policy term is a set number of years and the lump sum is the sum assured that you have decided is the amount you would need to be paid out. You can purchase through our website Level, Increasing, or Decreasing Life Insurance Cover.*
Critical Illness Cover pays a lump sum if you are diagnosed with one of the listed critical illnesses within your Critical Illness Policy, during the length of your policy.*

Need any help!

If you have any questions, or you are unsure about what type, or amount of cover you need feel free to give us a call so we can help you

It's simple...

Smart Cover Online has teamed up with Cignpost Life and with their advanced technology you can get an instant decision with no delays.*

No more need for nuisance calls with a pushy salesperson. Simply quote and apply online. Making sure you get the right cover is important and it’s never been easier to get covered.*

Step 1 - Your Cover

Let us know some details about you and the type, length, and amount of cover that you want.

Step 2 - Your Quote

See your personalised quote options available to you. You can amend the cover if necessary.

Step 3 - Payment

Once you are completely satisfied with the level of cover selected simply set up a direct debit on the day of your choice for your monthly direct debit. **

Step 4 - complete

Review your cover before submitting to Cignpost Life. You will then receive via post your policy documents and a friendly welcome call to answer any further questions you might have.
Quote Completed

* You will have to meet the health requirements and cover limits set by the provider Cignpost Life – see our FAQ’s for further information on cover limits for online purchasing. Not paying or being behind on your premiums may impact your ability to claim or your claim amount. If you fall behind on your premium payments and do not resume paying your premiums, even if you become ill or lose your job, your policy may be cancelled and cover will cease.

**You will be transferred securely to Cignpost Life who will take the details of your chosen monthly direct debit. SSL security and encryption are used, the information you send or get through the site is private; this is shown by the padlock symbol clearly displayed at the left-hand side of the website address bar. The padlock symbol lets you know how safe it is to visit and use a site. SSL is the standard security technology for establishing an encrypted link between a web server and a browser. This link ensures that all data passed between the web server and browser remain private.

*** Information taken from Inchora.com “customer service Trustpilot rating of 5 and delivered 1.3 Million products and services to customers in 2018”. Correct as of 30/04/2021

**** The Financial Conduct Authority does not regulate advice or guidance for Trusts. More information can be found on the following website: The Money Advice Service