I first used the insurance surgery 5 years ago after I struggled to find insurance companies that would cover my pre-existing medical condition. After I took out my policy I was approached the last co... Ver más
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Consulta las opiniones de los clientes
My adviser, Stephen, was brilliant from start to finish. I had some previous conditions that made my case a little more complex. Stephen showed a lot of patience and excellent market knowledge t... Ver más
This is my 2nd time working with the insurance surgery. I’ve had such an amazing experience. Megan is always on the phone to me with regular updates, I can always call and ask follow up questions. I w... Ver más
Sam C was dealing with myself and my girlfriend’s life insurance policies. He was a great help and did so much work for us, it was an easy process. Would highly recommend the insurance surgery and Sam... Ver más
Información sobre la empresa
- Aseguradora (seguros de vida)
- Agencia de seguros médicos
- Compañía de seguros
- Corredor de seguros
- Seguro de protección de ingresos
- Seguros de vida temporales
Escrito por la empresa
About The Insurance Surgery The Insurance Surgery helps people across the UK find the right life insurance, critical illness cover, income protection insurance and business protection policies. We can help everyone, regardless of their circumstances, with particular expertise in supporting people living with pre-existing medical conditions and those working in hazardous occupations. Whether you're looking for straightforward life cover or need specialist advice due to a complex medical history, high-risk job or lifestyle, our experienced advisers compare leading UK insurers to help you find suitable cover at competitive rates. Established in 1999, The Insurance Surgery is an independent specialist insurance broker with over 25 years of experience helping individuals, families and businesses protect what matters most. We provide expert advice and access to 25 insurers, which include mainstream, specialist and exclusive pilots. We specialise in life insurance for people with pre-existing medical conditions, including cancer, diabetes, heart conditions, stroke, high blood pressure, epilepsy, multiple sclerosis, Crohn's disease, ulcerative colitis, HIV, mental health conditions and many other health concerns. Our knowledgeable advisers understand that finding life insurance with a medical condition can be challenging, which is why we work closely with insurers to help secure the best possible outcome for our clients. We also have extensive experience helping people working in hazardous occupations and high-risk industries, including construction workers, offshore workers, pilots, firefighters, police officers, armed forces personnel, engineers and self-employed tradespeople. We understand the unique challenges these occupations can present when applying for life insurance and protection products. Whether you're looking for life insurance quotes, mortgage life insurance, family life insurance, over 50s life insurance, whole of life insurance, critical illness cover, income protection insurance or business protection, our team is here to help. We take the time to understand your needs, explain your options clearly and guide you through the application process from start to finish. Many of our clients come to us after being declined elsewhere or struggling to find suitable cover due to their medical history, occupation or lifestyle. Our specialist expertise and relationships with leading UK insurers allow us to help customers who may not fit standard underwriting criteria. Our mission is simple: to make finding life insurance and protection insurance as straightforward as possible while providing expert advice, exceptional customer service and access to the most suitable cover for your circumstances. If you're looking to compare life insurance quotes, arrange critical illness cover, protect your income or secure life insurance with a medical condition, The Insurance Surgery is here to help.
FAQ's
Escrito por la empresa
- How do I get a life insurance quote?
- Simply complete our contact form or call 0800 083 2829, and we'll discuss your needs, circumstances and budget before comparing suitable options from our panel of insurers.
- Why use The Insurance Surgery?
- We have access to all mainstream insurers, as well as having advisers who are experts in understanding medical conditions and hazardous occupations, helping customers find suitable protection even when their circumstances are more complex. Is your advice free? Yes. Our advisers provide free, no-obligation advice and can help you compare options from a range of UK insurers.
- What is critical illness cover?
- Critical illness cover pays a lump sum if you're diagnosed with a specified serious illness covered by the policy, helping to provide financial security when you need it most.
- Do you offer income protection insurance?
- Yes. Income protection insurance can provide a regular income if you're unable to work due to illness or injury, helping to protect your finances.
- Can I get life insurance after cancer?
- Many people can obtain life insurance after cancer treatment. Eligibility depends on factors such as the type of cancer, treatment received and how long you have been cancer-free.
- Do you help people working in hazardous occupations?
- Yes. We regularly help customers working in construction, offshore industries, aviation, emergency services, the armed forces and other higher-risk occupations.
- What types of insurance do you offer?
- We can help with life insurance, critical illness cover, income protection insurance, mortgage life insurance, over 50s life insurance, whole of life insurance, family protection and business protection.
- Can I get life insurance if I've previously been declined?
- Yes. Many of our clients come to us after being declined elsewhere. We work with a wide range of insurers and can often help find solutions for customers with more complex circumstances.
- Can I get life insurance if I have a medical condition?
- Yes. We specialise in helping people find life insurance with pre-existing medical conditions, including cancer, diabetes, heart conditions, mental health conditions, HIV, multiple sclerosis and many other health concerns.
- Is your advice free?
- Yes. Our advisers provide free, no-obligation advice and can help you compare options from a range of UK insurers.
Información de contacto
2nd floor, Pickford Mill, SK11 6JD, Macclesfield, Reino Unido
- 0800 083 2829
- enquiry@theinsurancesurgery.co.uk
- the-insurance-surgery.co.uk
Speak to an Expert
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Fast and Efficient Service
Justin who assisted with the process was extremely knowledgeable on the insurance topic and supported me well through the telephonic application process. The process was quick and easy to complete.
13 de mayo de 2026
Opinión espontánea
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Justin at The Insurance Surgery.
We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so. If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
Amazing experience
Amazing experience. Easy to understand and talk through.
Thank you so much!
13 de mayo de 2026
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Steven at The Insurance Surgery.
We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so. If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
Excellent service
Excellent service. Neil Cameron has been dealing with our case and I have honestly not had an experience like it. Very friendly, helpful and ti the point. As a working mum I dont have much free time and he made sure to work around my schedule so we could complete the processes thoroughly and get the cover we needed. Thanks Neil!
11 de mayo de 2026
Opinión espontánea
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Neil at The Insurance Surgery.
We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so. If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
Great customer service
Neil Cameron dealt with us very efficiently. He was a pleasure to do business with.
11 de mayo de 2026
Opinión espontánea
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Neil at The Insurance Surgery.
We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so. If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
Excellent from start to finish
Excellent from start to finish
Ryan was very knowledgeable and patient with me until I decided
6 de mayo de 2026
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Ryan at The Insurance Surgery.
We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so. If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
Insurance made simpler
This is what getting insurance used to be like. Instead of entering endless lines of information and trying to answer some highly ambiguous questions, having someone to talk you through the application is extremely helpful. The broker made the process much clearer and less stressful. I’d definitely recommend this service to anyone.
6 de mayo de 2026
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Justin at The Insurance Surgery.
We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so. If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
Very Professional & helpful
Very Professional & helpful, didn't give up trying to get me covered even though my health wasn't the best. Ryan was a Top Man
5 de mayo de 2026
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Ryan at The Insurance Surgery.
We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so. If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
July was fantastic and helpful and…
July was fantastic and helpful and listened to our needs. Highly recommend.
7 de mayo de 2026
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Julie at The Insurance Surgery.
We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so. If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
Trustworthy and patient service
Can highly recommend the Insurance Surgery and want to thank Thomas Heyes in particular. Tom was super helpful and helped me get insurance cover when I couldn't get cover elsewhere. He also very helpfully stayed in touch with me (checking in every year for three years!) and helped me get better cover when that became possible. He was patient and honest, and allowed me to be honest too!
7 de mayo de 2026
Opinión espontánea
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Tom at The Insurance Surgery.
We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so. If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
Fantastic service from Sam c
I can’t recommend Sam Cox highly enough. From start to finish, Sam was incredibly professional, knowledgeable, and genuinely helpful. He took the time to understand exactly what me and my partner needed and found us the perfect insurance cover at a fantastic price.
What really stood out was how informative and approachable he was throughout the whole process — he explained everything clearly, answered all our questions, and made what could have been a stressful experience feel easy and enjoyable.
If you’re looking for an insurance broker who truly cares about his clients and goes above and beyond, Sam is the person to speak to. Thanks again, Sam C
6 de mayo de 2026
Opinión espontánea
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Sam C at The Insurance Surgery.
We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so. If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
Expert service
Julie Arthurs is extremely pleasant, knowledgeable and sourced me a great deal for life insurance with pre existing conditions.
4 de diciembre de 2025
Opinión espontánea
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Julie at The Insurance Surgery.
We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so. If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Ryan at The Insurance Surgery.
We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so.
If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
Great Support, but ongoing data error hassle
Overall, I had a good experience with Insurance Surgery. Tom was really helpful, explored multiple options, and shared competitive quotes to help me choose the right Relevant Life Insurance policy.
However, there was an issue with incorrect spelling of names, which was unfortunately submitted to the insurer. This has turned into a frustrating process to correct. Although the insurer has confirmed updates, the online portal still shows incorrect details.
Tom has been proactive and supportive in following up with the insurer, which I appreciate. That said, the errors originated during the initial process, and it highlights a gap. If there were an online portal where customers could enter and review their own details instead of relying on phone communication, this issue could likely have been avoided.
In summary, good service and support overall, but the admin accuracy and process could definitely be improved.
23 de abril de 2026
Respuesta de The Insurance Surgery Ltd
Thank you for taking the time to share such detailed feedback.
We’re pleased to hear that Tom was able to support you throughout the process, explore a range of options, and help you find a Relevant Life policy that suited your needs.
We’re also sorry for the frustration caused by the spelling errors and the delays in getting the records fully corrected with the insurer. We completely understand how important accuracy is, especially when dealing with insurance documentation, and we appreciate your patience while this has been resolved.
Your feedback regarding customer input and review of details through an online portal is genuinely valuable.
We’re always looking at ways to improve both our processes and the overall customer experience, and comments like yours help highlight where improvements can be made.
We appreciate your feedback and the opportunity to improve.
We were looking for coverage and it…
We were looking for coverage and it could be overwhelming… lots of questions and confusing. That’s how I found The Insurance Surgery. Through their website in their msg dropped an inquiry and shortly after got the call from Neil Cameron who was very helpful. Explained and help with the questions made it easy to understand. I highly recommend them. A big thank you again for Neil.
1 de mayo de 2026
Opinión espontánea
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Neil at The Insurance Surgery.
We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so.
If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
Neil was very helpful
Neil @ The Insurance Surgery made the process very straightforward and helped avoid excessive tests by recommending multiple policies.
Would highly recommend to anyone.
30 de abril de 2026
Opinión espontánea
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Neil at The Insurance Surgery.
We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so. If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
We had such a fantastic experience…
We had such a fantastic experience working with Stephen to get life insurance for myself and my husband who had pre existing illnesses. Would absolutely recommend the insurance surgery to anyone
30 de abril de 2026
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Stephen at The Insurance Surgery.
We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so. If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
Sam C helped me find the best policy…
Sam C helped me find the best policy for my needs and made my experience stress free, he was very attentive and explained everything to me. Thank you very much Sam c.👍
30 de abril de 2026
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Sam at The Insurance Surgery.
We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so. If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
Supportive, efficient and helpful
Sam and the whole team were very efficient, helpful and supportive during the process of setting up my life insurance.
6 de febrero de 2026
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Sam at The Insurance Surgery.
We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so.
If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
Excellent Service
Tom was excellent in handling my complex case. He gave me very detailed information in an understandable way and guided me through the process.
29 de abril de 2026
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Tom at The Insurance Surgery.
We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so.
If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
I’m terrible at arranging this kind of…
I’m terrible at arranging this kind of stuff and due to a couple of complex moving parts personally I had to delay. Ryan left me be and promised to check in at a later date. His gentle persistence and professionalism as well as personal manner were top drawer throughout.
14 de abril de 2026
Opinión espontánea
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Ryan at The Insurance Surgery.
We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so.
If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
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