The Insurance Surgery is the UK's No.1 specialist life insurance broker*, providing the best cover options for those with pre-existing medical conditions, hazardous occupations, and extreme sports. Our experienced team of brokers will help you find the right cover to protect your family or business, and we always aim to get you the best rates. We are proud to be one of the highest-rated insurance companies in the UK, with an excellent 5 out of 5 rating on Feefo.
The Insurance Surgery provides a range of life insurance products and services to meet your needs. Our range includes home protection, over 50’s life insurance, whole of life insurance, declined life insurance, dangerous occupation cover and high risk life insurance.
We can also provide cover for extreme sports as well as advice on how to obtain life insurance if you have a pre-existing medical condition such as diabetes, cancer, heart conditions or stroke.
Our team can provide you with free and impartial advice from our specialists and we also offer an annual review service so that your needs are protected now and in the future.
Based on 200 Reviews
Add ReviewInsurance 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.Report
Julie was amazing when helping me and my partner arrange life insurance and critical illness cover. She was so patient, kind and understanding of the process. Would definitely recommend.Report
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.Report
A1 service from the beginning. My own medical history meant the application took some time but Tom Hayes and his colleagues were there all the way. If you want a competent, professional company to deal with you have found the right one. And the 'icing on the cake' is that I now pay half the amount of my old premiums for twice the cover. 10/10 Many thanksReport
Excellent advice and a first-class service from Dianne, she worked tirelessly to find a policy that met our (quite specific and complex) needs and was extremely knowledgeable, patient and helpful from first to last, highly recommend!Report
Good service and support from Neil. Everything was very clearly explained and processed quickly.Report
Great service. Neil Cameron was excellent and helped me find the right policy. Would recommend.Report
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!Report
Megan Hammonds has been brilliant at helping me find the best cover. She is patient, understanding and not at all pushy. High recommended.Report
Neil Cameron was professional, reassuring and knowledgeable throughout the whole process of securing life insurance for a new house purchase. Given some challenges previously, The Insurance Surgery, solved this efficiently and rapidly. I would completely recommend to anyone who needs some support in specialist insurance.Report
The Insurance Surgery is a leading life insurance, critical illness cover and income protection specialist for people with pre-existing medical conditions. Our team of experienced insurance experts has helped thousands of individuals, families and businesses since 1999 to obtain the financial protection they need and peace of mind knowing that they are covered.
We provide specialist advice to those who have been declined by other insurers due to their medical history or dangerous occupation. We also have extensive experience in finding affordable life insurance for people with diabetes, cancer, obesity, high BMI or mental health issues.
Our team of life insurance experts will be able to identify which insurance underwriters will be best for you and your circumstances. We are always available for free advice and guidance when it comes to protecting yourself and your loved ones - no matter what your situation may be.