Simplifying Protection Insurance since 2012

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 within minutes (usually less than 5). 

There are no annoying cold-calls (you don’t even have to speak to a person if you don’t want to) and there is no need for medical questions or medical exams. It’s completely hassle-free, and the power is in your hands.  

We always issue your policy documents on the very same day via email, and we use almost zero-paper as a business, which means we are very eco-friendly.

With ESMI, you’ll benefit before even claiming, as you have instant & unlimited access to 1000+ loyalty rewards completely free with your policy.

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.

Instant & unlimited access to 1000+ loyalty rewards with your cover

From most of the UK's favourite brands

All ESMI policyholders are given free unlimited access to our ESMI rewards site where there are over 1,000 cash-back opportunities and rewards from over 150 of the UK’s favourite brands. 

The range is so vast, there is something for everyone. You can 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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