Find The Right Life Cover

From protecting your home to providing long-term financial security, the right advice makes all the difference. Every recommendation is tailored to your personal circumstances, ensuring your cover gives you complete peace of mind.

Why choose us

We take the time to understand you!

We’ll help you find the most suitable protection solution based on your needs. Whether you’re arranging cover for the first time, reviewing existing policies, or need specialist advice, we’re here to guide you every step of the way, subject to eligibility and provider criteria.

  • FCA Regulated Service
  • Honest & Transparent Advice
  • Fast, Simple Application Process
  • No Hidden Fees
  • Trusted by Individuals & Families Across the UK
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Life Insurance

Support your loved ones with a tax-free lump sum that helps cover mortgage costs, living expenses or future plans.

Income Protection

Maintain your lifestyle and financial commitments if illness or injury prevents you from working.

Critical Illness Cover

Financial support if you are diagnosed with a serious illness, helping you focus on recovery without added stress.

Over 50s Cover

Guaranteed acceptance with no medical checks, offering a fixed payout to help with funeral costs or leaving a gift.

Whole of Life Insurance

Lifelong cover that guarantees a payout whenever you pass away, ideal for estate planning or leaving a legacy.

Home Insurance

Comprehensive cover to safeguard your home and belongings against unexpected events.

How It Works
Step 1

Tell Us About You

Complete our quick online form with a few details about your circumstances and the type of cover you’re looking for. There’s no obligation to proceed.

Step 2

We Search The Market

We compare a wide range of leading UK insurers to find protection options suited to your needs and budget.

Step 3

Your Personalised Recommendation

We present tailored policy options and guide you through them, helping you choose the right cover with clear, straightforward advice every step of the way.

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FAQ

Everything you need to know, answered clearly and simply.

Protection cover is designed to provide financial support for you or your family if something unexpected happens, such as illness, injury, or death. It can help cover essential costs like your mortgage, household bills, or everyday living expenses, giving you peace of mind that you and your loved ones are financially supported.

There are several types of protection, including life insurance, critical illness cover, and income protection. Each serves a different purpose, and the right option will depend on your personal circumstances, financial commitments, and priorities.

The level of cover you may need depends on factors such as your income, outstanding debts, lifestyle, and the needs of anyone who relies on you financially. It is important to consider both your current situation and how your needs could change over time.

Premiums are based on a combination of factors, including your age, health, lifestyle, occupation, and the type and level of cover you choose. Insurers will assess these details to determine the cost of your policy.

In some cases, you may be asked to provide medical information or undergo a health assessment. This helps insurers understand your overall health and ensures the cover offered is appropriate. Not all applications require a full medical.

A policy will pay out if the conditions set out in your policy document are met. For example, life cover typically pays out on death, while income protection may pay a regular benefit if you are unable to work due to illness or injury. It is important to understand the terms and conditions of your policy.

Most protection policies offer some flexibility, allowing you to review, adjust, or cancel your cover if your circumstances change. Depending on the policy, fees or changes to premiums may apply. It is always a good idea to review your cover regularly.

You should carefully consider your budget, your long term financial commitments, and how you or your family would cope financially if your income stopped. It is also important to be aware that policies come with exclusions and conditions, so you should read all documentation carefully before proceeding.

Customer Reviews

See why 100's of customers continue to trust us

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mia Baker
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Thank you to Smart Money Creative for creating a bespoke website that includes 2 sides of my business. They have a great way of be being able to have as much input that I needed with the process, and loved the way that the branding pulls through from the website right through to social website. All for a really reasonable price!
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Mohammed Hafiz
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Smart Money Creative is truly exceptional! Their services exceeded my expectations in every way. The team is highly professional, knowledgeable, and dedicated to delivering outstanding results. From start to finish, they provided expert guidance and creative solutions. If you're looking for a company that values quality, efficiency, and client satisfaction, Smart Money Creative is the perfect choice. Highly recommended!
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Alex Foreman-Peck
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Loved the branding and logo the team did for my company. I would definitely recommend them to any start-up mortgage broker or an established one requiring a refresh.
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Coryy Macleod
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I couldn’t be happier with the service I received from Smart Money Creative. From the very start, the process was smooth, detailed, and incredibly well-organized. They set clear expectations on the timeline from the outset, and not only did they deliver quickly, but every step included multiple rounds of feedback to ensure everything was exactly how I wanted it. The turnaround time for any adjustments was extremely fast—sometimes it felt like I was their only client with the level of attention and dedication they provided. A huge bonus of working with Smart Money Creative is their specialisation in marketing for mortgage advisors. Their deep understanding of the industry meant that all the content and information for my website and marketing materials were accurate, compliant with FCA regulations, and perfectly tailored to my business. I didn’t have to waste time creating content from scratch—they already knew exactly what was needed. Lewis and Ethan have been fantastic throughout, always available to support me with any tweaks or changes, even after the website was live. If you’re a mortgage advisor looking for a marketing and branding agency that truly understands your industry and provides exceptional service, I highly recommend Smart Money Creative!
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Jai Olatunde
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Ethan & Lewis were very helpful and responded to every query quickly. I attempted to create a site through Ionos but wanted a more professional and advanced website. They were able to create my ideal website quickly, Very happy with the outcome of the website
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Jack Coton profile picture
Jack Coton
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The communication from start to finish was great. Very professional throughout. The end results are absolutely brilliant and very pleased with how they've turned out which will hopefully give me the best chances of success. Many thanks
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Marc Pearce profile picture
Marc Pearce
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I have dealt with Ethan, to say he has gone over and above is an understatement, he has created all sorts of marketing material for me and everything has been of high quality. I couldn't recommend him highly enough.
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Ryan Nehru
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Best possible company to partner with for all marketing, website and branding needs. Ethan and Lewis are super responsive, kind and work with you like business partners to tailor everything to your company needs. I feel I have the best possible start on this journey, thanks to these guys. Website is top calibre and branding on point to the way I want it to come across. Thanks so much, couldn’t have better people.
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Legal

SmartMoneyCreative is an appointed representative of Dragon Network which is authorised and regulated by the Financial Conduct Authority under registration number 599430. Registered office: 145 Washway Road, Sale, Manchester, M33 7PE. Registered in England.

SmartMoneyCreative is a credit broker and you can confirm our registration on the FCA’s website www.fca.org.uk

The actual APRC you are eligible for depends on individual circumstances.

If you are thinking about consolidating existing borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS ON A MORTGAGE.

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

The Financial Ombudsman Service (FOS) is an agency for arbitrating of unresolved complaints between regulated firms and their clients. Further details of the FOS can be found on its website: www.financial-ombudsman.org.uk

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