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Life insurance

Specialists in Pre-Existing Conditions

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 making sure individuals get the best cover at the right price - regardless of their health.

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, so if you do manage to find a cheaper offer then we promise to try and beat it
  • Personal Advisor: You'll be matched with your very own advisor from our 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 in to Trust to ensure that your family receives the funds quickly and easily when they need it most

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

The Insurance Surgery’s team of highly skilled experts have detailed knowledge of the underwriting process for all of the top insurance providers in the UK and know which insurance provider will be best to protect you and your family. From diabetes, to mental health, to cancer, Insurance Surgery experts have helped thousands of people with pre-existing medical conditions find affordable life insurance and protect their financial future.

The Insurance Surgery have developed links with specialist insurers as well as mainstream insurance providers with the aim of providing everyone some coverage regardless of their personal history. Whether you have life insurance in place currently and are looking to review your cover and reduce your premiums or you have been declined life insurance in the past, Insurance Surgery can help.

The Insurance Surgery offers a wide range of life insurance products, including:

Get advice

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.