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Your medical history shouldn't determine your access to life insurance

The Insurance Surgery is a leading life insurance expert for people with pre-existing medical conditions and other areas of high risk, specialising in helping individuals get the best cover at the right price - regardless of their health.

Life insurance shouldn’t cause you stress. Contact the experts.

Life insurance shouldn’t cause you stress. Contact the experts.

Insurance Surgery experts have helped thousands of people with pre-existing medical conditions find affordable life insurance and protect their financial future. With links to both specialist and mainstream insurance providers, the Insurance Surgery works with you to provide quotes to ensure everyone has access to affordable coverage. Whether you have life insurance in place currently or have been declined life insurance in the past, the Insurance Surgery can help review your cover, reduce your premiums, and find affordable coverage regardless of your personal history.

Why choose The Insurance Surgery?

Free advice: The Insurance Surgery does not charge a fee for its advice
Price Match Promise: The Insurance Surgery recognises that value for money is important - if you find a cheaper offer they’re committed to beating it
Personal Advisor: You'll be matched with your very own advisor from a team of highly skilled experts to help every step of the way and make sure that your needs are understood
Annual Review Service: The Insurance Surgery offers a FREE annual review to make sure that your life insurance cover matches your needs now and in years to come
FREE policy trust service: Your policy can be written into Trust to ensure that your family receives the funds quickly and easily when they need it most

What users say

"very helpful and understanding"
“Excellent service. Great customer service. Our broker was very helpful and understanding and was able to find us a fantastic price to update our insurance policy. We will continue to use The Insurance Surgery.”
"we have recommended them to our friends"
“Great support. The support and assistance from Nick were great when we struggled to obtain insurance for my husband because of his medical conditions. We have recommended them to our friends.”
"answered all my questions"
“I was finding it hard to get life insurance because of a medical condition that I have, so I decided that I needed some help. The Insurance Surgery provided the help that I needed and found me the right insurance. They were very helpful, and answered all my questions. I would fully recommend them.”
"completely covers all my needs"
“Brilliant service! Really helped me find insurance to fit my needs, I have type 2 diabetes and finding a premium that covers my needs was proving a nightmare. Helped cut through all the chaff! They worked really hard to find me the best deal, and find a policy that completely covers all my needs.”
"they kept me up to date with that was happening"
“Friendly staff who were very helpful. They were really helpful and discussed what option would be best for my particular circumstances. They kept me up to date with what was happening.”


What does Life Insurance cover?
I have a medical condition, can I still get life insurance?
I have been declined Life Insurance in the past, can I still get coverage?
I already have Life Insurance, can I change my policy?

"They worked really hard to find me the best deal"

"They worked really hard to find me the best deal"

The guidance and/or advice contained within these pages is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK. The Insurance Surgery is authorised and regulated by The Financial Conduct Authority, registered on the Financial Services Register.

Registered in England and Wales. No 5137288. Registered and trading from Wood Street Mill, 45 Pickford Street, Macclesfield, Cheshire SK11 6HB.