Insurance Made Simple

At ESMI, our aim is to make personal insurance as clear and stress-free as any other purchase. With us, you can quote & buy your affordable insurance cover online in minutes, with no medical exams or medical questions. 

We don’t do annoying cold-calls and we always issue your policy documents and grant you access to your ESMI Rewards on the same day by email.

It’s completely hassle free. So, why not protect yourself today? Cover starts from less than £5 a month.

Which kinds of protection insurance do ESMI offer?

Life Insurance

Straightforward, flexible, guaranteed life cover up to 100,000. Choose between 4 benefit levels.

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Life & Critical Illness Cover

Claim 50% of your life insurance benefit early if you are diagnosed with one of 8 serious illnesses.

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Sick Pay Insurance

Safeguard your income for up to 6 months in the event of work absence longer than 30 days.

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You're In Safe Hands

We've provided cover for over 4,000 people since 2012.

Unlimited access to 1000+ loyalty rewards 

Absolutely free with your ESMI cover

All ESMI policyholders get unlimited access to our ESMI Rewards site with over 1,000 cash-back opportunities from over 150 of the UK’s favourite brands. 

Incorporate ESMI Rewards into your usual spending with ease, and you could see an average yearly saving of £400.

Save when you buy from your favourite brands

+1000s more to choose from

How Does ESMI Rewards Work?

Start saving right away

Once you buy a policy, you’ll receive a link to sign up for free.

Unlimited access

You then have unlimited access to the site. There are no restrictions regardless of which policy you have with us.


If you cancel your policy then you will no longer have access to your rewards. That’s it!

Frequently asked questions

Life Insurance

Life and Critical

Sick Pay

Buy straightforward Life Cover or Sick Pay Cover online from ESMI in less than 5 minutes.

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