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Unfortunately this product is no longer available to purchase. This page is still open for information purposes for existing customers only.

As of 1 November 2025 all ESMI policy administration will be taken over by HIVE Insurance Services. Please contact Hive after this date for any future enquiries about your ESMI policy.

HIVE Insurance Services contact details are as follows:

Tel: 0800 028 0849 or 0333 130 4520

Email: enquiries@hiveinsure.co.uk

Contact Address: Unit 4, Ground Floor, Bredon House, Almondsbury Business Centre, Woodlands, Bradley Stoke, Bristol, BS32 4QH

www.hiveinsure.co.uk

Download Policy Document

ESMI Life Cover Explained

So, how does ESMI Life Cover work?

The cover is for ages 18 to 50 who permanently reside in the UK.
You will be covered from day one at the policy start date.
Choose between benefits of £25,000, £50,000, £75,000, and £100,000.
The cover renews every 5 years.
Your price and cover amount will not change between renewal periods.
You can add a partner to your policy.
You may also add your children for an extra 10% premium (based on family cover) or 20% of the premium (based on single parent cover) . This includes 4 children with benefits of £5,000.
The maximum age of this policy is 68 years old, but, we will not close your cover mid-way through the 5-year term, even if you are 68. So, if your previous renewal age was 67, then you will keep your cover until you next renew at age 72. If your previous renewal was at age 63, then your cover will end at the next renewal as you will now be 68.

What happens if I have a pre-existing condition, will you accept me?

Yes, we will accept you for cover.

However, there is an exclusion for any life claim that arises out of any medical condition that existed (including treatment, monitoring, referral, consultations or whilst undergoing tests) in the 3-year period prior to the start date of your policy.

This exclusion will not apply if you remain symptom-free and do not seek treatment or medical advice for a continuous period of 24 months immediately after the policy start date

If the cause of your death is not deemed related to your condition during the claims process then your benefit will, of course, be paid.

Want to know more about how this affects you? Click here to contact us.

Claims

The professional claims team at Compass Underwriting have you covered. Since 1986 they’ve been one of the UK’s leading independent accident & health underwriting agencies, serving over 250,000 customers in that time.

We understand how important your claims are, so we always do our absolute best to get them resolved quickly.

Once we have received all of our initial requirements we endeavour to respond to all claims within 10 working days to help your family get back on their feet as soon as possible

Exclusions

We will not pay for any death claims caused directly or indirectly by:

i) an exclusion for any life claim that arises out of any medical condition that existed (including treatment, monitoring, referral, consultations or whilst undergoing tests) in the 3-year period prior to the start date of your policy.

This exclusion will not apply if you remain symptom-free and do not seek treatment or medical advice for a continuous period of 24 months immediately after the policy start date

ii) suicide, attempted suicide or deliberate self-inflicted injury, regardless of the state of your medical health.

iii) as a result of alcohol or solvent abuse, or the taking of drugs except under the direction of a registered medical practitioner.

iv) nuclear contamination, biological contamination or chemical contamination, war (whether declared or not), an act of foreign enemy, invasion, civil war, riot, rebellion, insurrection, revolution, an overthrow of a legally constituted Government, explosions of war weapons or any event similar to one of those listed.

Please view the policy document for full information on exclusions.