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What is Guaranteed Acceptance Life Insurance?

We are pleased to offer the Guaranteed Acceptance Life Insurance Policy from ESMI Ltd.

This is a unique product that guarantees you will be accepted for Life Insurance providing you are aged between 18 and 61 and a permanent UK Resident.

Cover starts from as little as £9.56 per month for a sum assured of £50,000 and the premium and sum assured will be guaranteed for five years.

The Cover is guaranteed to be accepted irrespective of your medical history and you will not be asked any medical questions or be required to undergo any medical examination or tests (please see information regarding pre-existing medical conditions below*)

Unlike other Guaranteed Acceptance Life Insurance Policies where it can be two years before your Life Insurance becomes fully effective with ESMI your cover is effective immediately and it only takes two minutes to apply.

Why not take a look at their video to see if ESMI is right for you?

ESMI life video

Who is the ESMI Guaranteed Acceptance Life Insurance for?

Anyone between the ages of 18 and 61 who is a permanent UK Resident will be accepted, however, the policy is particularly suited to the following people:-

  • Those who have previously been declined life insurance
  • Those 'priced out' of traditional life insurance due to existing medical conditions.
  • With Dangerous Occupations/Hobbies
  • Those who need immediate cover
  • Those who don't want to answer medical questions
  • Those who don't want to attend medical examinations
  • Those wWho want to purchase an online policy within minutes.
  • Who want their premiums and sum assured guaranteed for five years.

*Are my pre-existing medical conditions covered?

If you have any Pre-existing medical conditions at the time you take out the Guaranteed Acceptance Life Insurance policy they will not be covered, nor will any other conditions related or associated with any  pre-existing conditions.

You will, however, be covered for any new unrelated conditions immediately and also be covered for accidental death.

You will be able to view the full definitions and terms of the policy when you request a quotation. As with all Insurance Contracts, it is vital that you read the Terms and Conditions to make sure the policy is suitable for your needs.

If you also require cover for pre-existing medical conditions then please see our life insurance section and/or our Over 50's information. You may also find the policy offered by Sorted Insurance of interest which guarantees cover after the first 12 months of the policy up to a maximum sum assured of £15000.

Is the Premium Guaranteed?

Yes, the premium and amount of cover are guaranteed for a period of five years based on your current age and smoke status. After the five years has elapsed your premium and sum assured may change dependent on your age. The cover can be renewed up until age 68.

Do they offer any other Guaranteed Acceptance Policies

Yes, ESMI offers a complete suite of products including

How do I obtain more details and a Quote?

By clicking the Quote Button at the top of the page you will be directed to the ESMI website where you will be able to obtain full details of the policies offered together with quotations and the ability to apply online.

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