Peace of mind for you and your family - Emma's Diary

Peace of mind for you and your family - Emma's Diary

Peace of mind

for you and

your family


Life Insurance



per day

£6.50 a month

For £100,000 cash sum for a 32 year old, non-smoker on an age based policy.

Age based premiums increase each year as you get older. Terms and conditions apply.

Why is life insurance important?

If your family depends on someone financially, life insurance

could be important for you. If they were no longer there to

provide, the financial implications for your loved

ones could be considerable. The benefit amount

your family could receive can be used to help

manage major household debts like the

mortgage, car repayments or simply help

with daily living expenses.

It’s easy to set up immediate cover over the

phone in just a few minutes. If you’re a UK

resident aged between 18 and 64, Smart

Life Insurance could be right for you.


10% of your first

year’s premium

Smart Insurance will give

you 10% of your first year’s

premium back as a thank you.




For a quick quote call FREE

FREE Will Kit with every policy

Smart Insurance will send you a FREE Will Kit with your policy.

Arranging your Will isn’t just about sharing out your assets,

although that is an important part. It’s

about who you appoint to look after your

estate and now that you have a new baby,

who should care for your children if you’re

no longer there. You can also make your

wishes clear about how their inheritance

should be managed, if they’re not old

enough to look after it themselves.


with every policy


Take out a Smart

Insurance policy and

you’ll also get a FREE

Will Kit. It’s another

way to help you care

for your loved ones.






Taking care of your growing family

UK residents 18-64 years

Choose the benefit amount you want – from £60,000 up to £750,000

depending on your age

Easy, over the phone application with no forms to fill in

No medical needed

just a few health and lifestyle questions asked over the phone

100% benefit paid out in advance if you’re diagnosed as Terminally Ill

You’ll be covered in the event of death from day one

(except self-inflicted injury in the first 12 months)

5% benefit increase to help protect against the effects of inflation

As with everything else, the value of your chosen benefit amount may reduce

over time due to the effects of inflation. This 5% annual increase feature means

that your chosen benefit amount and premium will increase each year to help

reduce the impact of inflation (you can opt out each year if you prefer and keep

your benefit amount the same). Available with age based policies.

on 0800 977 6025

Optional covers

For added peace of mind, you can add a range of

optional covers to your Smart Life Insurance policy.

Critical Illness cover

You can apply to add Critical Illness cover to your Life Insurance policy, up to age 59.

This is designed to pay a benefit if you suffer a defined serious illness – Malignant

Cancer, Stroke, Heart Attack or Coronary Artery Bypass Surgery.

Children’s cover

Children’s cover is designed to help cover the extra costs that may be incurred for

things like medical expenses if your child was unfortunate enough to suffer one of the

defined serious injuries or illnesses, for example Bacterial Meningitis, Paralysis, or

Encephalitis. The benefit is also paid in the event of accidental death. You can select

a benefit amount from between £10,000 and £30,000, and you can cover each of your

dependent children aged 1 to 17.

Total Permanent Disability cover

You can apply to add Total Permanent Disability cover to your Life Insurance policy if

you are aged between 18 and 59. This cover provides a lump sum in the event of a Life

Insured suffering a Total Permanent Disability as defined in our terms and conditions,

such as the loss of use of two limbs.

Accidental Death cover

You can apply to add Accidental Death cover if you are aged between 18 and 64.

This cover provides a lump sum in the event that a Life Insured suffers an Accidental

death. It is paid out in addition to your Life Insurance benefit.

Paul is a 32 year old,

non-smoker and has applied

for a £100,000 cash

sum, on an aged based

premium. His monthly

premium is £6.50.

Age based premiums will increase each year as you get older.

If you cancel there is no cash in value.

Terms and conditions apply, full details on Premium and benefit amount depend on individual circumstances.

Calls may be recorded and monitored for training and quality purposes. 10% Smart Cashback – 10% of your first year’s premium will be paid

automatically into your nominated account within 14 days of your month 12 premium being successfully paid.

Smart Life Insurance is introduced by Emma’s Diary. Emma’s Diary is an introducer appointed representative of Neilson Financial Services

Limited. Emma’s Diary® is a registered trademark of Lifecycle Marketing (Mother & Baby) Limited, 1 Globeside Business Park, Fieldhouse

Lane, Marlow, Bucks SL7 1HY. Registered in England and Wales No. 2556692. Smart Insurance is a trading name of Neilson Financial

Services Limited which is authorised and regulated by the Financial Conduct Authority (FCA) and entered on the Financial Services register under reference 594926. Neilson Financial Services Limited. Registered in England and Wales. Number 07986483.

Registered Office, Landmark Place, Windsor Road, Slough, Berkshire SL1 1JL. All products provided by Scottish Friendly Assurance Society

Limited which is authorised by the Prudential Regulation Authority (PRA) and regulated by the FCA and PRA under reference 110002.

EM DM02 05/13

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