We regret to inform you that we are no longer accepting new customers.

If you’re looking for cover, Smart Insurance offers Family Life Insurance that could help your family to manage major household debts like the mortgage and car repayments, or simply help with daily living expenses if the worst were to happen. Please call them on 0800 977 6057 for your free quote, or visit their website www.smartinsurance.co.uk 

Please note: If you’re an existing customer, your FRANKLi policy remains unaffected. Please call FRANKLi customer service on 0800 542 7981 if you have any questions. 

Am I Covered for Coronavirus?

With everything that’s going on in the world at the moment, you could be concerned about how coronavirus (COVID-19) could affect your Life Insurance application or policy. We understand your concern and we would like to address any potential questions you have about taking out a life insurance policy with FRANKLi during the coronavirus pandemic.

Does FRANKLi’s Life Insurance cover death as a result of coronavirus? 

Yes, you are covered from day one under our Life Insurance and Mortgage Life Insurance policies for death by any cause (except for death as a result of intentional self-inflicted injury during the first 12 months). 

I have tested positive for coronavirus or I have been in close contact with someone who has contracted the virus, can I take out a policy?

You can apply to take out a Life Insurance or a Mortgage Life Insurance policy with FRANKLi as long as you are a UK resident aged 18 to 84. During the application process, we will not request a medical examination but we will ask you some health and lifestyle questions. We will ask questions about coronavirus and your responses to these questions could affect your application. 

Can the cost of my insurance premiums increase as a result of coronavirus?

No, the cost of your premiums will remain the same for the duration of your policy if you choose a level term policy or a Mortgage Life Insurance policy. If you choose an increasing term policy, you can expect the cost of your premiums to rise each year in conjunction with the RPI (Retail Price Index). Coronavirus will not affect the cost of your premiums. 


I’m concerned about missing a payment due to coronavirus

If you are worried about keeping up with your payments due to coronavirus please contact us on 0800 542 7981.


Can I apply for more cover?

If you feel like you need to make a change to your FRANKLi Life Insurance policy, you can apply to increase or decrease your benefit amount for free. However, you can only apply to reduce your benefit if needed with FRANKLi Mortgage Life Insurance.

Will it take longer to process claims due to the ongoing coronavirus situation?

We understand the potential urgency around receiving a Life Insurance benefit quickly. Our dedicated team is working hard to make sure we process claims as quickly as possible so that your loved ones will receive financial help when they need it most. You can rest assured that we aim to process claims within days of receiving them.

If your family needs to make a claim, it’s a simple process. It takes one phone call to 0800 542 7981. Our UK based team is available Monday to Friday 9am to 7pm (excluding bank holidays). Alternatively, you can contact us at claims@frankli.com.

How else can FRANKLi help?

When you take out a Life Insurance policy with FRANKLi, you have access to free healthcare services from day 1. This allows you to connect tools that can help you manage your health and wellbeing. You can access six services; a 24/7 remote UK-based GP, Best Doctors, mental health support, an online health check, access to nutrition consultations and an online fitness programme. 

This service is available 24 hours a day, 365 days a year, at no additional cost to you, once you’re a FRANKLi policyholder, you have access to these services from day one of your policy. This service is also available to your immediate family, including children up to the age of 21.

Where can I find reliable, up-to-date information on coronavirus? 

If you’re looking for information on Coronavirus here are some sources that you can trust: