Life Insurance FAQ’s
Find the most commonly asked questions about our Life Insurance policy here.
Get in touch if you can’t find the answer to your question.

Am I eligible for the life cover policy?
You may apply for cover if you meet these simple criteria at the start date: You are aged between 18 and 61 years old and you are a permanent UK resident. That’s it!
Can I add critical Illness cover?
Is the ESMI Life Cover Policy suitable for over 50’s?
Can I add my partner and or my children to the policy?
Are pre-existing medical conditions covered?
What happens if I miss a payment?
Can I cancel my policy if I no longer need it?
Why does ESMI not require you to answer medical questions or take a medical exam?
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