Insurance Surgery

Life insurance provides financial security for dependants through a lump-sum payout upon the policyholder's death. Our policies cater to diverse needs, including mortgage protection, family support, and inheritance planning. We specialise in complex cases involving pre-existing medical conditions or high-risk occupations, offering tailored solutions through partnerships with leading insurers.

Critical illness cover delivers a tax-free lump sum for diagnosed conditions like cancer, heart attacks, or strokes. Policies can be standalone or combined with life insurance, with flexible terms to suit individual circumstances. We focus on accessibility for clients with complex medical histories or high-risk professions, ensuring comprehensive coverage options.

Income protection replaces up to 70% of earnings during work incapacity due to illness or injury. Our policies offer deferred periods from day one and cover until retirement age, with specialist options for self-employed individuals and high-risk occupations. We handle medical underwriting complexities to secure competitive rates for clients.

Business protection safeguards companies against financial losses from key personnel absence or shareholder changes. Services include keyman insurance, relevant life cover, and loan protection policies. We provide tailored solutions for employee benefits and continuity planning, supported by dedicated account management throughout the policy term.

Travel insurance offers comprehensive protection for UK residents, including pre-existing medical conditions and extreme sports coverage. Policies feature winter sports add-ons, cruise protection, and multi-trip options. Partnering with Staysure, we provide specialist cover for complex medical histories while ensuring competitive pricing with exclusive discounts.

We specialise in cover for complex medical histories, offering policies through niche insurers with tailored underwriting approaches.

Our policies provide up to 70% income replacement with flexible deferred periods, compared to the £116.75/week statutory rate with no eligibility for self-employed individuals.

Yes, our keyman insurance solutions provide financial safeguards against revenue loss from critical staff absence, with bespoke terms for high-risk industries.

We provide both standalone and combined policies, with options to integrate critical illness cover into life insurance plans for comprehensive protection.

Partnering with Staysure, we offer specialist policies covering declared medical conditions with access to exclusive discounts and enhanced claim support.

Jess was really helpful, came back with competitive quotes from the market for Critical Illness cover and Income Protection cover (inc. for Type 1 Diabetes). Good understanding of the policies with clearly explained t&c's. Accessible & knowledgeable. Easy to do business with. Would defo recommend.

I dealt with Ian Cameron from the insurance surgery. Could not of wished for a more professional person to discuss my needs with. No hard sell, no pushy sales talk. Ian provided honest advice. I was given plenty of time to think through my options and pick the best policy for my needs. I would highly recommend Ian from the Insurance surgery, kind, professional and not out to rip you off. I am now happy in the knowledge I can leave a nice gift for my nearest and dearest.

Jess Edwards was incredibly helpful in helping me secure life insurance - I felt she very much went the extra mile in working to get me a great deal. She was also very easy to speak to and made what I thought would be an arduous experience very easy!

Excellent service. My advisor Megan explained everything clearly with each step of the process of getting a quote and filling the relevant documentation. Making the whole process stress free. Would recommend every time.

My situation was near impossible and it would not have been possible for me to get a life insurance if not for the Insurance Surgery. Most other places just turned me down and asked to come back in a year or two. Due to personal circumstances, I really needed to get this insurance in place. Massive thanks to Megan, who helped me through the journey!

Due to my pre existing condition it was and is hard to get insurance. Julie Arthurs was fantastic in letting me know I couldn't get cover for that for many years but I could still get cover for peace of mind. Highly recommended

Due to some pre-existing conditions I thought I wouldn't find a quote for life insurance but I've had an amazing experience with The Insurance Surgery. Neil Cameron was my Protection Advisor, extremely patient, super knowledgeable, so nice, polite, attentive and reassuring. It takes some time going through the process but I think Neil would be able to help even if the search had turned out more complicated. Neil listened and answered any questions I had and in the end he found a competitive life insurance quote. Thank you Neil Cameron!

Friendly and efficient service. Was feeling a bit apprehensive about discussing personal medical issues, but needn't have worried, Suzie was friendly and helpful, I didn't feel pressured and the cover was set up very quickly, without fuss, thank you.

I have dealt with a gentleman called Sam Cox and he couldn't be more helpful and knowledgeable at all. From start to finish he was great and managed to get me insurance when every single other insurance company declined. I would really recommend him to anyone who is struggling with life/ critical illness cover. Thanks Sam!

Would just like to say a big Thank you to Sam C for all his help. had been struggling to find life insurance due to health issues but got in touch and Sam c and he had it done within a few hours. Can't tell you how much off a weight has been lifted. thanks again Sam. Would highly recommend.

After reaching a dead end on insurance due to preexisting conditions, I found this company via Google and boy am I glad I did. I was put in touch with Dianne, who, let me tell you, was a god send. She was a delight to speak to on the phone, was very clear in what was happening and kept in communication on each step until we arranged a cover that was suitable for me. I couldn't sing any higher praises, I am beyond happy with my experience.

Could not recommend The Insurance Surgery enough! Suzie provided an amazing service, I had been trying to get cover for years and nobody would provide me with life insurance due to my past medical history. Suzie managed to find my husband and I quotes and have them set up within 2 days. Suzie even managed to find cover for my husband at a much cheaper rate than he been quoted on comparison sites. Exceptional service.

Insurance can be a minefield at the best of times. Julie Arthurs, Protection Adviser at The Insurance Surgery, made the whole process easy to understand and was patient and super helpful throughout. Thanks Julie, I would certainly recommend anyone looking for help with understanding what is best for them they should get in touch with you.

What an incredible service! I would absolutely recommend the insurance surgery. I was struggling to get insurance applications accepted which caused significant stress as talking about medical/ mental health history and struggles can be very traumatic. As soon as I reached out to the insurance surgery, they acted promptly (calling within an hour) and so informative. Karl Waterhouse acted with such reassurance and sensitivity and completely transformed a difficult scenario into one in which I felt at ease, no judgement and explained everything so thoroughly.

It's most definitely a company who truly live out their ethos and genuinely care about their customers. I can not thank Karl enough for making me feel so looked after and finding the best solution for me at a great price. Truly grateful.

Karl helped me no end and kept me on track. On more than one occasion I wasn't as available as I should have been given the effort Karl was putting in to finding me the right insurance but he never showed frustration. We managed to get insurance sorted after a few hurdles and I can't be more grateful for the service. Thank you so much Karl!

Julie and the team have been amazing, mine was not an easy case to secure insurance for, but they went over and above on more than one occasion to ensure that I got the cover I required. I would highly recommend the insurance surgery.

Simon was amazing, I struggled getting insurance because of health issues and Simon always keep chasing the companies for me. We finally agreed a great deal and I could not be more happy. Thank you Simon.

Tom has gone above and beyond.even when I was financially struggling to pay monthly premium, he did everything to ensure I kept my policy. To be so Honest I not encountered any firm to date that super exceeds my expectation. Especially with a medical condition that many Life Insurance Companies don't except But Tom and Company put you the customer at the heart of what they do daily. Tom, Thank You Sincerely. Mish 100% Recommend-Don't go elsewhere

After struggling with different brokers for over 3 years. And always been refused. Julie got me sorted a lot quicker than we thought. she was the first person to ask certain questions and got me sorted in less than 2 weeks. I am now covered! and soo happy Highly recommend! and julie THANKYOU

I dealt with Julie, who was friendly and knowledgeable all the way through the process. I have had an organ transplant and so found it virtually impossible to get any cover. Julie worked with me and although the process took some time, got it all sorted for me. If you are struggling to get cover due to pre existing health conditions then I cannot recommend them enough.