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Smart Cover Online is a trading style of The Protection Network Limited, a company registered in England and Wales No 11001265. Registered office: 7 Bell Yard, London, WC2A 2JR.
Authorised and regulated by the Financial Conduct Authority under Firm Reference Number (FRN) 803469.

Cignpost Life is a trading style of Albany Park Limited which is authorised and regulated by the Financial Conduct Authority. Financial Services Register number for Albany Park Limited is 304130.

When using www.smartcoveronline.co.uk you agree that for any products purchased online your details will be transferred to Cignpost Life. If you purchase cover through Cignpost Life the policy is administered and underwritten by iptiQ Life S.A. authorised by Le Commissariat aux Assurances in Luxembourg.

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, 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.

Smart Cover Online, Albany Park, Cignpost Life and iptiQ Life S.A details can be found and verified on the FCA Financial Services Register by visiting the FCA’s website:

www.fca.org.uk/firms/systems-reporting/register

The Firm Reference Numbers (FRN) for searching the Financial Services Register are as follows:

Smart Cover Online FRN 803469
Albany Park Limited FRN 304130
Cignpost Life FRN 667180
iptiQ Life S.A FRN 627329

Our Disclosure Document Services and Cost Information can be found under the “Help” section of the website, and a direct link can be found here:

Disclosure Document Services and Cost Information

We ask that you read this document carefully as is details who we are,  the disclosure of our services, costs and other required regulatory information

Our Privacy Policy can be found under the “Help” section of the website and a direct link is here:

Privacy Notice

We take your privacy very seriously and we ask that you read this privacy notice carefully as it contains important information on who we are, how and why we collect, store, use and share personal data, your rights in relation to your personal data, and on how to contact us and supervisory authorities in the event you have a complaint.

Our Website Terms of Use can be found under the “Help” section of the website, and a direct link can be found here:

Website Terms of Use

You should thoroughly read the information provided within this document. The following website terms and conditions govern your use of the Smart Cover Online (“Website”), whether as a guest or a registered user. Use of this site includes accessing, browsing or registering to use the Website www.smartcoveronline.co.uk

Your use of this website constitutes acceptance of these terms and conditions.

Our information on the use of Cookies and Similar Technologies can be found under the “Help” section of the website, and a direct link can be found here:

Cookies & Similar Technolgies

You should thoroughly read the information provided within this document. The following document covers information around the use of Cookies when browsing our website.

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our websites and also allows us to improve our sites. As stated in the banner shown when you first visit, by continuing to browse the site, you are agreeing to our use of cookies on that site.

Our thoughts go out to all who have been impacted by Coronavirus.

Since March 2020, following Government guidance, our team of people have been working from home. Despite the constantly changing situations we are facing we are continuing to adapt to these challenges on a daily basis.

We appreciate that you may want to speak to someone in these uncertain times to have a chat with us at Smart Cover Online about your current circumstances, and the reasons you’re looking for cover.

We really appreciate your understanding and patience in the event that you experience some minor delays during this time.

CHECK OUR FAQ’S HERE

For the latest Government advice on Coronavirus (COVID-19) please see the gov.uk website

If for any reason you would rather talk to a member of the team about your cover requirements then you can call us on 0333 011 8300 or use our CONTACT US PAGE

For our joint protection, we may record telephone calls.

Cignpost Life is one of the fastest ways to obtain life insurance available to purchase online.

There are just 5 simple yes/no medical history questions to answer, and if you choose to add Cignpost Critical Illness there are 5 additional questions to understand your eligibility.
You can apply in as little as 5 minutes; which means you could be covered instantly without the need to talk to anyone.

Of course should you need to ask any questions, our team can help you with questions you may have about the process, or your cover requirements

Depending on your personal circumstances, cover requirements and medical history, we may need to speak to you in more detail, or request information from your GP, in which case getting cover may take longer.

It’s important that you answer these questions truthfully and accurately, to ensure your cover is not affected.

If for any reason you would rather talk to a member of the team about your cover requirements then you can call us on 0333 011 8300 or use our CONTACT US PAGE

For our joint protection, we may record telephone calls.

Smart Cover Online can assist you with placing your policy into Trust.
Trusts are a straightforward legal arrangement that allow  you leave assets to specific loved ones, friends, relatives or whoever you choose to be your beneficiaries.

A trust is managed by one or more trustees such as loved ones, family members,  or friends, until the trust pays out to your beneficiaries.

One reason for writing your life insurance into Trust is that the value of your policy is generally then not considered part of your estate after you die. Your estate is your property, money and possessions.

Having a policy written into Trust means you don’t need probate to be granted in order for the policy to pay out, meaning payment to your beneficiaries should be quicker, as the money will not go through probate, which can be a lengthy process.

Please note, the Smart Cover Online trust service is arranged by The Protection Network Limited. It is not provided, checked or endorsed by Cignpost Life or the underwriters, iptiQ.

Any changes to your policy have to be requested directly by the policy holder.

To update your address please call Cignpost Life on 0330 123 3747. Or you can write to Cignpost Life, Freepost Cignpost Life Customer Service.

We are keen to hear your feedback and receive any constructive criticism about your experience with us, as it helps us to improve.
We can often resolve concerns quickly, so please get in touch if you have a complaint or dispute with us. Please be assured we treat all complaints seriously.

You can use our CONTACT US PAGE or call us on 0333 011 8300

So we can investigate your complaint promptly please ensure you give us the following information:

Your personal contact details
How and when to contact you
Your policy details
What has gone wrong
What you want us to do to put things right

If we are unable to resolve your concerns quickly, we will:

  • Acknowledge your complaint promptly and within 5 days of receipt
  • Assign a dedicated complaint expert who will review your complaint
  • Carry out a thorough and impartial investigation
  • Keep you updated of the progress
  • Do everything we can to resolve things as quickly as possible
  • Provide a written response within 8 weeks of receiving your complaint, this will inform you of the results of our investigation, or explain why a written response may take longer


Alternatively you can write to us at:
Smart Cover Online
Complaints Department
7 Bell Yard,
London
WC2A 2JR

If you write to us, let us know how you’d like us to get back to you, what has gone wrong and how you would like us to put it right. please be sure to include your policy details and contact details – phone number, email address or postal address.

If you are not happy with our response, or you feel we’ve not considered all your issues and you can provide further information, please let us know and we’ll be happy to review your complaint.

If we cannot resolve your complaint with us, or you are unhappy at any stage of the process, or with the outcome, you may be entitled to refer it to the Financial Ombudsman Service. Please see the following link for further details: 
http://financial-ombudsman.org.uk/

You can cancel your policy at any time.
If you change your mind within 30 days of your plan starting,  Cignpost Life will refund your premiums. If you cancel at any other time, your cover will end and you won’t get anything back. 

To cancel your plan, simply call Cignpost Life on 0330 123 3747. Or you can write to Cignpost Life, Freepost Cignpost Life Customer Service.

Please remember your policy has no cash-in value at any time.

If you stop paying your premiums, we will write to you to inform you and if you do not resume paying your premiums, your cover will end and you won’t get anything back.
Please remember your policy has no cash-in value at any time.

You can use our CONTACT US PAGE or call us on 0333 011 8300.

For our joint protection, we may record telephone calls.

Should you need to speak to Cignpost Life simply call Cignpost Life on 0330 123 3747

Life Insurance Cover could pay a defined lump sum of money if you pass away within the policy term of your policy. 

Critical Illness Cover could pay a defined amount of money if you are diagnosed, within the policy term, with a life-threatening or critical illness that is covered in your policy definitions: such as a heart-attack, cancer or stroke.

You pay a monthly premium for your policy and if you stop paying your premiums you won’t get any money back and your cover may be cancelled.

Both Life Insurance & Life Assurance are forms of protection designed to pay out after the policyholder passes away – but they don’t work the same way.

The key difference is that life insurance is designed to cover the policyholder for a specific term, while life assurance usually covers the policy holder for their entire life, known as a whole of life policy.

If you stop paying your premiums to Cignpost Life you won’t get any money back and your cover may stop.

All business is transacted in accordance with our Terms Of Business. If you choose to take a policy using this website you will be transferred securely from this website to our partners website Cignpost Life. If you purchase cover through Cignpost Life the policy is administered and underwritten by iptiQ Life S.A. authorised by Le Commissariat aux Assurances in Luxembourg.

Smart Cover Online is a trading style of The Protection Network Limited, a company registered in England and Wales No 11001265. Registered office: 24 Kings Avenue, Farnham, Surrey GU10 1AU. Authorised and regulated by the Financial Conduct Authority under Firm Reference Number (FRN) 803469.

Cignpost Life is a trading style of Albany Park Limited which is authorised and regulated by the Financial Conduct Authority. The Firm Reference Number (FRN) for Albany Park Limited is 304130.

Smart Cover Online, Cignpost Life and iptiQ Life S.A details can be found and verified on the FCA Financial Services Register by visiting the FCA’s website:

www.fca.org.uk/firms/systems-reporting/register

If you stop paying your premiums, we will write to you to inform you and if you do not resume paying your premiums, your cover will end and you won’t get anything back.
Please remember your policy has no cash-in value at any time.

Being a smoker you should still be able to obtain cover; however, it is likely to cost more because you are a smoker, and your policy premiums could be up to 50% higher.
The cost of cover will depend on your health, your age and whether you have smoked in the past 12 months. Other factors include how long in years (the policy term) you want your insurance to run for, and the amount of cover you choose (the sum assured)

If you stop paying your premiums to Cignpost Life you won’t get any money back and your cover may stop.

Life Insurance pays out a cash lump sum if you pass away within the policy term, over this period you pay monthly premiums to Cignpost Life. 

The money can be used for anything, but is normally used to pay off a mortgage, to provide child care, to maintain your loved ones standard of living, or ease financial pressures should the worst happen.

You can choose both the amount of cover in £’s and the term in years.

If you stop paying your premiums you won’t get any money back and your cover may stop.

Please remember your policy has no cash-in value at any time.

This depends on the type of policy you take out.

You can choose both the amount of cover in £’s and the policy term in years.

People with a repayment mortgage often choose a Decreasing Term Policy because the amount of cover decreases as the outstanding balance on the mortgage decreases. This means the cost is lower than a Level Term Policy where the amount of cover remains the same throughout the policy term.

If you stop paying your premiums to Cignpost Life you won’t get any money back and your cover may stop.

There’s different types of life insurance; they all aim to offer financial protection for when the policy holder dies within the term (number of years) of that policy.

You can choose both the amount of cover in £’s and the term in years.

If you stop paying your premiums you won’t get any money back and your cover may stop.

  • Level term life policies – The payout and cover stays the same throughout the amount of time you are insured for. Put simply, you decide the amount of cover to take out and that’s what the policy pays. This is often taken out for families, who want to cover for costs such as protecting their families lifestyle or child care costs as well as monthly outgoings such as a mortgage.
  • Increasing term life policies – as the name suggests, this increases the payout the longer the policy runs. The cover amount increases each year by 3% and your premiums increase by 3.75% each year to pay for the increased cover and age. The increasing option helps to provide some degree of protection against the risk of inflation.
  • Decreasing term life policies – the cover amount decreases each year to pay off an outstanding mortgage or loan by the end of the term based on an interest rate of 8%. This is because your debt should be decreasing as you repay it over time. If you claim, the cover amount should pay off your outstanding repayment mortgage (or loan), provided that:
    1. The cover amount at the start of the plan is at least the amount of your repayment mortgage or loan
    2. You keep your mortgage (or loan) payments up to date
    3. Your mortgage (or loan) interest rate does not go above 8% a year. If interest rates are less than 8%, the cover amount could be more than required to settle your mortgage (or loan). Your premiums will remain the same throughout.

Our Partner at Cignpost Life offers cover from £5.00 a month, but the cost will depend on your health, your age and whether you smoke or not. Other factors include how long in years you want your insurance to run for, and the amount of cover you choose.

It’s important that you answer the medical history questions truthfully and accurately when applying, to ensure your cover is not affected

If you stop paying your premiums to Cignpost Life you won’t get any money back and your cover may stop.

If you want to provide for your family financially if you die then you should consider Life Insurance.
The amount of cover you need will depend on your own personal circumstance, there is no one-size-fits-all answer. The factors you may need to consider include covering;

  • The Mortgage that you pay for where your family live
  • Any other loan or debt repayments
  • Dependants e.g school age children
  • Education and childcare expenses
  • A partner who depends on you financially
  • Funeral costs


If for any reason you would rather talk to a member of the team about your cover requirements then you can call us on 0333 011 8300 or use our CONTACT US PAGE

For our joint protection, we may record telephone calls.

If you are using the policy to cover a mortgage then the policy term should be the same as the remaining length of your mortgage.
If you are using the policy for family protection people often choose a term that provides cover until your children reach independence. The choice is yours.

If for any reason you would rather talk to a member of the team about your cover requirements then you can call us on 0333 011 8300 or use our CONTACT US PAGE

For our joint protection, we may record telephone calls.

If you choose to take a policy using this website you will be transferred securely from this website to our partners website Cignpost Life. If you purchase cover through Cignpost Life the policy is issued, administered and underwritten by iptiQ Life S.A.

When you arrange a policy online through Smart Cover Online premiums for level or decreasing term policies won’t change throughout the length of your policy, unless you make changes to your cover amount or choose to take out the increasing cover option. If You have chosen increasing cover, your premiums will increase on each Plan Anniversary. For more information please view your key features policy documents and terms and conditions.

Any changes to your policy have to be requested directly by the policy holder by calling the Cignpost Life admin team on 0330 123 3747

Your cover will be cancelled if you act fraudulently, or deliberately provide untrue, inaccurate or misleading information when taking out the policy, or when making a claim.

You confirm that you will take care to ensure that all the answers given are honest and to the best of your knowledge true. If you do not answer the questions that are presented by an insurance provider correctly then your policy may be cancelled, or your claims rejected or not fully paid. The answers and information you give when seeking new insurance, amending or renewing an existing policy might influence the insurer in deciding whether or not to accept the risk, and what the terms of the policy should be or what premium to charge.

If you stop paying your premiums, your cover will stop and you won’t get anything back. However, we will give you 60 days from the due date for you to pay a premium before this happens.

When the policy term has ended, the cover ends and you won’t get anything back.
A claim won’t be paid if the policy term has ended or the policy has been cancelled.
If you stop paying your premiums you won’t get any money back and your cover may stop.

The payout won’t be liable for Income or Capital Gains tax. However, if your estate is large enough, there may be an inheritance tax liability.

Smart Cover Online can assist you with placing your policy into Trust.

Trusts are a straightforward legal arrangement that allow you leave assets to specific loved ones, friends, relatives or whoever you choose to be your beneficiaries. A trust is managed by one or more trustees such as loved ones, family members, or friends, until the trust pays out to your beneficiaries.

One reason for writing your life insurance into Trust is that the value of your policy is generally then not considered part of your estate after you die. Your estate is your property, money and possessions.

Having a policy written into Trust means you don’t need probate to be granted in order for the policy to pay out, meaning payment to your beneficiaries should be quicker, as the money will not go through probate, which can be a lengthy process.

Some employers provide death in service benefits. This means employees receive a tax free lump sum if they die while they are employed by the firm. Often, the benefit is linked to being part of the company pension scheme. You would need to check the scheme rules to see if this benefit applies to you and if so, how much the lump sum would be. It is possible the amount will be lower than the cover needed to provide for your family and it cannot be assigned to repay a mortgage.

If you change employer the benefit is lost so to maintain cover you would need to set up a separate policy. As you get older the cost of life insurance increases and if your health deteriorates then the cost will increase further.

Death in service benefits often don’t give you the flexibility needed to fit your personal circumstances so it is important to check the scheme rules if you think you may have this benefit. You may have to pass away whilst at work for a death in service benefit to payout.

Any changes to your policy have to be requested directly by the policy holder by calling the Cignpost Life admin team on 0330 123 3747

If you want to change the amount of cover, or change the end date of your policy, or change the type of cover you have, you’ll need to apply for a new policy.

If you want to reduce the amount of cover or shorten the term then please contact us. If you reduce the amount of cover, or shorten the term, and then want to increase
them again in the future, you’ll have to apply for a new policy.

Making a claim is very straightforward, simply call Cignpost Life on 0330 123 3747. One their specially trained claims experts will guide your through the process.
Because each claim is different, they are investigated individually. Once you have spoken to one of the claims team, they will send you out a claim form to complete.

Part of the claims process will include a check to ensure the application was completed truthfully and accurately. The claim may not be paid if the person insured did not fully answer the questions about their health or lifestyle honestly.

www.cignpostlife.co.uk/claims 

You can also write to Cignpost Life Directly at:
Claims Department,
Cignpost Life
Freepost Cignpost Life Customer Service

Initially they will need:
Name of claimant
Policy reference
Details of the claim

You will normally be asked to provide an original death certificate. If the death certificate hasn’t been issued, you may need to supply the Coroner’s fact of death certificate. Original documents  will be returned to you.
You may be asked to supply other information or documents depending on the circumstances. So please us the contact details above.

Other documents you may be asked to provide:
Proof of Identification
Policy Schedule
Proof of your entitlement to the claim proceeds
Birth, marriage or death certificate
Proof of bank details

Claims are assessed and paid as quickly as possible; it will depend on the complexity of the claim and how long it takes for completed documents to be sent across.

Critical Illness Cover could pay a defined amount of money if you are diagnosed, within the policy term, with a life-threatening or critical illness that is covered in your policy definitions: such as a heart-attack, cancer or stroke.

Critical Illness Cover acts as additional protection and is only available with Life Insurance from Cignpost Life.

You pay a monthly premium for your policy and if If you stop paying your premiums you won’t get any money back and your cover may be cancelled.

Please remember your policy has no cash-in value at any time.

Critical Illness Cover starts from just £5 a month when taken out with Cignpost Life Term Life Insurance.

It’s important that you answer the medical history questions truthfully and accurately when applying, to ensure your cover is not affected

If you stop paying your premiums to Cignpost Life you won’t get any money back and your cover may stop.

Benefit support might not be enough to replace your income if  you can’t work because of long-term sickness or disability.
The amount of cover you need will depend on your own personal circumstance, there is no one-size-fits-all answer. The factors you may need to consider include covering;

  • Mortgage or rent payments
  • Any other loan or debt repayments
  • Household bills
  • Education and childcare expenses
  • Loss of income


You should consider Critical Illness Cover if you don’t have enough savings to tide you over if you become seriously ill or disabled, or you don’t have an employee benefits package to cover a longer time off work due to sickness.

If for any reason you would rather talk to a member of the team about your cover requirements then you can call us on 0333 011 8300 or use our CONTACT US PAGE

For our joint protection, we may record telephone calls.

If you are using the policy to cover a mortgage then the policy term should be the same as the remaining length of your mortgage.
If you are using the policy for family protection people often choose a term that provides cover until your children reach independence. The choice is yours.

If for any reason you would rather talk to a member of the team about your cover requirements then you can call us on 0333 011 8300 or use our CONTACT US PAGE

For our joint protection, we may record telephone calls.

Any changes to your policy have to be requested directly by the policy holder by calling the Cignpost Life admin team on 0330 123 3747

If you choose to take a policy using this website you will be transferred securely from this website to our partners website Cignpost Life. If you purchase cover through Cignpost Life the policy is issued, administered and underwritten by iptiQ Life S.A.

When you arrange a policy online through Smart Cover Online premiums for level or decreasing term policies won’t change throughout the length of your policy, unless you make changes to your cover amount or choose to take out the increasing cover option. If You have chosen increasing cover, your premiums will increase on each Plan Anniversary. For more information please view your key features policy documents and terms and conditions.

Your cover will be cancelled if you act fraudulently, or deliberately provide untrue, inaccurate or misleading information when taking out the policy, or when making a claim.

You confirm that you will take care to ensure that all the answers given are honest and to the best of your knowledge true. If you do not answer the questions that are presented by an insurance provider correctly then your policy may be cancelled, or your claims rejected or not fully paid. The answers and information you give when seeking new insurance, amending or renewing an existing policy might influence the insurer in deciding whether or not to accept the risk, and what the terms of the policy should be or what premium to charge.a

If you stop paying your premiums, your cover will stop and you won’t get anything back. However, we will give you 60 days from the due date for you to pay a premium before this happens.

When the policy term has ended, the cover ends and you won’t get anything back.
A claim won’t be paid if the policy term has ended or the policy has been cancelled.
If you stop paying your premiums you won’t get any money back and your cover may stop.

Critical Illness Cover could pay a tax-free, one-off payment amount of money if you are diagnosed, within the policy term, with a life-threatening or critical illness that is covered in your policy definitions: such as a heart-attack, cancer or stroke.

Any changes to your policy have to be requested directly by the policy holder by calling the Cignpost Life admin team on 0330 123 3747

If you want to change the amount of cover, or change the end date of your policy, or change the type of cover you have, you’ll need to apply for a new policy.

If you want to reduce the amount of cover or shorten the term then please contact us. If you reduce the amount of cover, or shorten the term, and then want to increase
them again in the future, you’ll have to apply for a new policy.

Making a claim is very straightforward, simply call Cignpost Life on 0330 123 3747. One their specially trained claims experts will guide your through the process.
Because each claim is different, they are investigated individually. Once you have spoken to one of the claims team, they will send you out a claim form to complete.

Part of the claims process will include a check to ensure the application was completed truthfully and accurately. The claim may not be paid if the person insured did not fully answer the questions about their health or lifestyle honestly.

www.cignpostlife.co.uk/claims 

You can also write to Cignpost Life Directly at:
Claims Department,
Cignpost Life
Freepost Cignpost Life Customer Service

Initially they will need:
Name of claimant
Policy reference
Details of the claim

You may be asked to supply other information or documents depending on the circumstances. So please us the contact details above.

Other documents you may be asked to provide:
Proof of Identification
Policy Schedule
Medical evidence of illness
Proof of your entitlement to the claim proceeds
Proof of bank details

Claims are assessed and paid as quickly as possible; it will depend on the complexity of the claim and how long it takes for completed documents to be sent across.

In the event that you get Coronavirus (COVID-19) and pass away, once the claim is considered to be valid following the Cignpost Life standard claims process, your cover amount will be paid to your loved ones.

Making a claim is very straightforward, simply call Cignpost Life on 0330 123 3747. One their specially trained claims experts will guide your through the process.
Because each claim is different, they are investigated individually. Once you have spoken to one of the claims team, they will send you out a claim form to complete.

Part of the claims process will include a check to ensure the application was completed truthfully and accurately. The claim may not be paid if the person insured did not fully answer the questions about their health or lifestyle honestly.

www.cignpostlife.co.uk/claims 

You can also write to Cignpost Life Directly at:
Claims Department,
Cignpost Life
Freepost Cignpost Life Customer Service

Initially they will need:
Name of claimant
Policy reference
Details of the claim

You will normally be asked to provide an original death certificate. If the death certificate hasn’t been issued, you may need to supply the Coroner’s fact of death certificate. Original documents  will be returned to you.
You may be asked to supply other information or documents depending on the circumstances. So please us the contact details above.

Other documents you may be asked to provide:
Proof of Identification
Policy Schedule
Proof of your entitlement to the claim proceeds
Birth, marriage or death certificate
Proof of bank details

Currently Coronavirus (COVID-19) isn’t one of the critical illnesses covered by Cignpost Life critical illness cover. However, if due to the virus you develop a critical illness that is included in the Cignpost Life critical illness cover and you meet the claim criteria following our standard claims process, then your cover amount will be paid. 

No, the simple application, whether completed through Smartcoveronline.co.uk or competed with one of our advisors over the phone hasn’t been changed. 

Just 5 simple yes/no medical history questions and if you choose to add Cignpost Critical Illness there are 5 additional questions to understand your eligibility, so you can still apply in as little as 5 minutes.

It’s important that you answer these questions truthfully and accurately, to ensure your cover is not affected.

Cignpost Life haven’t changed or added any additional exclusions due to Coronavirus (COVID-19). For information on what is and isn’t covered in your policy please view your key features policy documents and terms and conditions.

Cignpost Life haven;t changed their pricing because of Coronavirus (Covid 19)

When you arrange a policy online through Smart Cover Online premiums for level or decreasing term policies won’t change throughout the length of your policy, unless you make changes to your cover amount or choose to take out the increasing cover option. If You have chosen increasing cover, your premiums will increase on each Plan Anniversary.

For more information please view your key features policy documents and terms and conditions.

Smart Cover Online has teamed up with Cignpost Life and with their advanced technology is one of the fastest ways to purchase your life insurance policy online. It’s important that you answer these questions truthfully and accurately, to ensure your cover is not affected.

Depending on your personal circumstances, cover requirements and medical history, we may need to speak to you in more detail, or request information from your GP, in which case getting cover may take longer and you won’t be able to purchase online.

If you have been unable to purchase online through Smart Cover Online we need to speak to you to ask you a few additional questions to understand your eligibility.  It’s important that you answer these questions truthfully and accurately, to ensure your cover is not affected. 

One of our advisors will call you on the number that you have provided, alternatively you can call us directly on 0333 011 8300, or you can use our Contact Us page to request a call back at a time that is convenient for you.

It’s important to ensure all the details that are submitted to Cignpost Life for your policy are accurate to ensure your cover is not affected.

We need to speak to you about the details you submitted regarding your personal circumstances, cover requirements or medical history to understand your eligibility.

One of our advisors at Smart Cover Online will call you back within 24 hours on the number that you have provided. Generally the telephone conversation about the details you submitted regarding your personal circumstances, cover requirements or medical history should take no more than 10 minutes. The amount of time the conversation takes is dependent on your personal circumstances, cover requirements and medical history.

It’s important that you answer these questions truthfully and accurately, to ensure your cover is not affected.

We may need to request information from your GP, in which case getting cover may take longer, alternatively you can call us directly on 0333 011 8300, or you can use our Contact Us page to request a call back at a time that is convenient for you.

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