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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Really straightforward process
Really straightforward process. Sam C was lovely and very helpful. Would highly recommend
17 de junio de 2026
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
Faultless from start to finish
Faultless from start to finish. I couldn’t recommend them anymore!
16 de junio de 2026
Opinión espontánea
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
Ryan provided excellent assistance and…
Ryan provided excellent assistance and demonstrated great patience while helping me organize my life insurance and MetLife EverydayProtect cover
4 de junio 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
Amazing throughout
They were very professional, thorough, and did a great job meeting my needs. My representative Ryan was amazing throughout and helped me find the best coverage for my lifestyle!
15 de junio 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
Excellent customer care through the…
Excellent customer care through the whole process. My medical history is complex at best and going through this process was made easy thanks to the advisor who supported me to successfully get life insurance
10 de junio 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
Neil was really excellent to deal with
Neil was really excellent to deal with.
I couldn’t imagine another insurance specialist doing a better job.
Whenever I or any of my friends need insurance support we’ll be sure to speak to Neil. Works hard to understand and deliver the best product available.
Thanks Neil!
15 de junio 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
Good personalised service
Good personalised service, listened to my needs
4 de junio de 2026
Opinión espontánea
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Megan 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
A five star service
A five star service. I’m so impressed! Very easy to deal with and found me two excellent products. From initial contact to end my service was 5*.
10 de junio de 2026
Opinión espontánea
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with 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
Professional care and dedication
They were very professional,understanding and helpful,nothing seems to be a problem.
The person I dealt with very friendly on the phone and he said he would phone me later that day and he rang me back only a few hours later,so far,they have been excellent
8 de junio 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
Excellent service
Excellent service. Great communication and assistance provided and I recommend 100%
9 de junio de 2026
Opinión espontánea
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with 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 from Sam Cox
Hi, I spoke with Sam Cox, and he was outstanding. He answered all of my questions clearly and thoroughly, and his knowledge was spot on. The service he provided was excellent.
I would be delighted to contact him again when arranging new policies. If you're looking for someone to help with your insurance needs, Sam Cox is the person you can rely on. I highly recommend him.
8 de junio de 2026
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
Outstanding
I received outstanding attentive service from this company. In particular Stephen Gavrovski was phenomenal and an asset to the team.
8 de junio 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
Thank you Insurance Surgery - FANTASTIC SERVICE!!!
Ryan Prescott was brilliantly supportive and thorough in helping me get life insurance. Due to my underlying medical condition getting any insurance is very difficult but Ryan's flexible and dynamic approach enabled me to get a policy that works for me.
Many thanks to Ryan and the colleagues who assisted him.
1 de junio 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
Life Insurance - After a challenging few months…
After a challenging few months regarding getting life insurance, coupled with my very low knowledge on the subject, I was referred to The Insurance Surgery. What can I say… Sam C, an absolute hero. He took me from a place of extreme uncertainty to a place of genuine hope. A straight talking, honest, extremely knowledge and helpful guy, Sam completed the whole process for me, went over and beyond with his excellent communication, and made himself available to contact. This was more than just a good deal as his high level of customer service made me feel relaxed during the whole process and he literally walked me through it. The end result was always going to be unknown, but Sam was straight talking and never lead me on. He provides backed up facts, and with his knowledge, secured me an amazing deal and has given peace of mind for the future to me and my family now. We can’t thank you enough and highly recommend Sam and The Insurance Surgery. Cheers folks :):)
4 de junio 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
Great service
Neil who helped with my situation was fantastic and patient with me.
Excellent service.
1 de junio de 2026
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
Very great experience with Sam C to…
Very great experience with Sam C to sort my insurance out. As it is my first policy I was very unsure and had little information but sam answered all of my questions, explained everything to me and I was able find the best prices and cover and also to decide exactly what was best for me. His customer service experience was incredible and he made the process so easy and comfortable. Couldn’t recommend enough, Thank you.
3 de junio 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
Very happy
Ryan was extremely helpful in securing us a policy that suited some complex circumstances. He was very professional and patient throughout the process. I now have peace of mind that I have a policy in place and one that represents the best value for money he could find. I would recommend the insurance surgery - they have been the best broker I have used and will use them again if and when I need them. Thank you Ryan! 10/10
2 de junio 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
Great service
Would like to thank Justin for his help & advice & also his patience it was very much appreciated.
2 de junio 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
Great service again from Megan at the…
Great service again from Megan at the Insurance Surgery. With my health issues I needed a broker that could work with me to get an appropriate life insurance policy that would give me the peace of mind that my life cover would be secure having declared all of my medical history. This was my third experience with the Insurance Surgery, and aside from delays in getting GP reports - which were out of everyone's control - everything went really smoothly, and i'm extremely relieved to get covered for my new mortgage. Can't recommend enough for anyone who has existing health conditions and wants to get suitable insurance cover
27 de mayo de 2026
Opinión espontánea
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Megan 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 truly appreciated the time Megan took…
I truly appreciated the time Megan took to listen, then find life cover options for me. The entire experience exceeded my expectations. Thank you.
20 de mayo de 2026
Opinión espontánea
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Megan 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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