Life Insurance Specialists | So Smart Protect
Chester, Cheshire
01244 264 866

Life cover, protecting your superheroes...

We all have hidden superpowers and providing your loved ones with a financial safety net, is just one simple thing you can do to help protect them.

A life insurance policy allows you to choose how much you leave your family, in the event of your death. Cover will give you peace of mind that everyday costs and outstanding debts will be taken care of for your loved ones.

Protection for:


Funeral costs


Mortgages and other outstanding debts


Children’s education


A lump sum to cover living costs

Have you considered…

What would like to leave behind in the event of your passing?
Are your loved ones financially supported in the future?

CALL US ON 01244 264 866

What is Life Insurance?

Life Insurance is a policy that provides financial protection to your loved ones in the event of your death. It gives you the peace of mind to know your family will receive a cash lump sum, that can be used to cover immediate costs such as funeral expenses and also help to pay off outstanding debts, such as mortgage payments and credit card bills. Cash can also be used to cover future outgoings, such as your children’s education and ongoing living costs for your dependents.

What are the benefits of Life Insurance?

– Peace of mind that you have set up a financial safety net for your loved ones
– Cash lump sum paid out to your dependents
– Pay off any outstanding debts, meaning your dependents are financially stronger
– Affordable, flexible policies can be structured to suit your needs
– Your family won’t have to worry about expensive funeral costs
– Choice of whole of life, level or decreasing term cover to suit your requirements
– Funeral plans also available to you


Our trusted partners

We search the whole of the market to find you the best cover. Here are a selection of the trusted partners we work with…


Speak to a specialist! It will only take a few minutes

CALL US ON 01244 264 866

Who can apply for Life Insurance?

Any UK resident from the age of 18 to 85 can apply for Life Insurance. You can benefit from knowing your loved ones won’t have to face expensive funerals bills, struggle to cover the cost of a mortgage or other outstanding debts, or even future-proof your children’s financial future; for education and other life choices.

Who can benefit from life cover?

Simply put, whoever you choose.

– If your partner or children would benefit from having no ongoing mortgage costs in the event of your death, then your immediate family can benefit.

– If you have other family members or loved ones who you support financially, and you would like to continue doing so after your death, then you can name other beneficiaries and set amounts you would like to pass on to them.


You have several options when it comes to your life insurance, for more information speak to an expert today on 01244 264 866


Level term cover pays a fixed amount in the event of your death. You’ll be able to set the length of your policy when taking out cover. Useful to cover amounts for a fixed period, such as your mortgage repayments.


Whole-of-life policies are ongoing and will pay-out in the event of your death, whenever that is. As long as you maintain your payments and your death is within the terms of the policy, your family are guaranteed a pay-out.


The pay-out will reduce over the term of the policy and the pay out amount is usually set in-line with an outstanding mortgage or other debts . The amount of the pay-out will typically reduce over time, shrinking in-line with the outstanding mortgage balance.


If you were unable to work due to a serious illness, do you know how you would pay your mortgage and other financial commitments? Critical illness insurance gives you a lump sum for the diagnosis of certain illnesses and diseases, listed on your policy.


What can a pay-out be used to cover?

One of the main reasons for choosing Life Insurance is to cover the large financial commitment of a mortgage.

Would your partner be able to cover mortgage payments and maintain living standards in the event of your death?

If the answer is no, then life cover is essential for you.

In addition, being able to relieve the financial burden of expensive funeral costs, will be a benefit to your family, at an otherwise difficult time.


What our clients say about us

Don’t take our word for it – here’s what our clients say:


“Spoke with sam, he provided excellent help with setting up my life insurance. Very enjoyable to talk to, i wouldnt usually leave reviews but thought i should this time around. Gentleman

Jenny Simpson

“Patient and Professional, Mike was patient and professional. Had a good sense of humour too. Got me all sorted”

Ida Pomajova

“Very helpfull, understanting, patient advisor. I am glad with this servise”

Claire Dunlop

“Your help has been brilliant and I honestly would not hesitate recommending you to friends & family who are looking in to updating there health care & life insurance, you really have been a pleasure to deal with”

Gregory Rice

“Excellent service from Jane, very helpful, nothing was too much trouble! A pleasant and easy experience!”

Amy Suddell

“Sam Scheitler was very patient and helpful. Very professional. I had lots of questions that he answered clearly”

Let’s find life cover that’s right for you

Our team of protection heroes are ready to help you find the right life insurance for you and your family. We can explain all your cover options and guide you to make the right choice for your life cover.

We can provide you with peace of mind that your family are financially cared for in the event of your death.

CALL US ON 01244 264 866