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
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Julie was so helpful
Julie was so helpful, made sure she got me the best cover at a reasonable price!
28 de mayo de 2026
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
Julie was very patient with all my…
Julie was very patient with all my questions and very thorough. She did her very best to find the most suitable option for my life insurance and explained the implications of my choices.
29 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
10/10
Julie was really helpful for both my partner and I. She helped us navigate the right cover for us at an affordable price. 10/10 recommend for anyone looking to speak to an advisor over doing it online
26 de mayo de 2026
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
Sam cox has helped me get life and…
Sam cox has helped me get life and accident insurance cover easily when I was struggling to find insurance due to my medical history! He did all the research and work for me and I can’t remember them enough to anyone that needs any kind of support to help find the correct life insurance
26 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
After struggling to get coverage…
After struggling to get coverage for months for a condition that doesn’t have any impact on my longevity. Stephen had worked his magic and got me sorted within the space of a few days.
He was brilliant start to finish, really took the time to get to know me and my condition. No conversations were rushed and no questions left unanswered. He regularly checked in and kept me informed.
So knowledgeable, personable and trustworthy, I can’t thank him and the team enough.
26 de mayo 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
Thank you! 5 Stars 😊
From start to finish, Megan and the rest of the team at The Insurance Surgery have been A+ 😊 Very informative, friendly, and nothing is too much trouble. I feel really secure in the decisions I’ve made, and like Megan took the time to get it just right for what I needed. Would recommend them to anyone!
26 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
Definitely Recommend
I was very impressed with the Insurance Surgery and my Protection Advisor (Steven Lewis) was very knowledgeable and professional. He gave me more than one quote with monthly instalments that I was very pleased with as they were not expensive. He would always be available by phone or email to answer any concerns I had. I would definitely recommend the Insurance Surgery.
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
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
pushing through the application
Steven helped with pushing through the insurance applicatiom which previously time-lapse due to medical prffesion taking too long to respond with information. extremely please with the outcome.
21 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
Outstanding service!
I would highly recommend The Insurance Surgery for their outstanding customer service and professionalism.
I submitted my enquiry on Sunday 3rd May, and even though Monday 4th May was a UK Bank Holiday, Sam Cox from The Insurance Surgery still called me that day to discuss my requirements in detail. I was genuinely amazed by how quick, proactive, and dedicated his service was.
Sam patiently took the time to understand exactly what my husband and I were looking for and immediately provided us with competitive quotes. Over the following couple of weeks, we asked many questions and requested several different quote variations for Term Insurance and Critical Illness Cover — including different cover amounts (£50k, £75k, £100k) and different age limits. Every single time, Sam responded quickly, professionally, and with great patience.
What really stood out was how clearly and simply he explained the differences between policies, making everything easy to understand without any pressure.
A huge thank you to Sam Cox and The Insurance Surgery for their amazing service so far. It has been an excellent experience from start to finish!
4 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
Stephen was very helpful
Stephen was very helpful. Really pleased with the service.
21 de mayo de 2026
Opinión espontánea
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Stephen G 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
Stephen Gavroski has been very helpful…
Stephen Gavroski has been very helpful and professional and explained everything in a clear manner that I understand. The whole process has been fairly quick and relatively straight forward. Would highly recommend! 👍🏼
19 de mayo de 2026
Opinión espontánea
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Stephen G 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* Absolutely fantastic
I cannot recommend this company highly enough, especially Tom, who has helped me not just recently, but also five years ago. On both occasions, the service has been absolutely impeccable.
I have underlying health conditions, and in the past, I have found dealing with insurance companies to be quite stressful, drawn out and quite overwhelming. My experience with Tom was the complete opposite. He made the whole process feel straightforward and completely manageable, as though nothing was too much trouble, and everything was sorted incredibly quickly.
Tom was professional, knowledgeable, reassuring and efficient throughout, I felt genuinely confident that I was receiving the best possible advise and service. I have already recommended family members to Tom and I honestly would not go any where else in the future for life insurance.
Outstanding service from start to finish - thank you again Tom.
19 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
Great Service!
After struggling to find life insurance cover, I got in touch with Ryan and Julie at The Insurance Surgery, and I can honestly say the whole process was seamless from start to finish. Their customer service was excellent, and they were an absolute pleasure to deal with throughout. I would highly recommend them to anyone looking for insurance support.
18 de mayo de 2026
Opinión espontánea
Respuesta de The Insurance Surgery Ltd
Thank you for sharing your experience with Ryan and 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
Great service from Steven
Great service from Steven. Very friendly and knowledgeable about the products.
14 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
Brilliant Service
We wanted to take out life insurance and income protection due to buying our first home. Stephen couldn't have been more helpful. We have a lot of pre existing conditions and Stephen worked with us to find the right policy for us. He has been really responsive to emails asking questions or to ask him to get on touch via the phone at a suitable time.
We were recommended to use The Insurance Surgery by our mortgage advisor and I'm so glad she put us on to them. We haven't been disappointed and know that if we do have any questions, Stephen has said he will still be happy to help in any way he can.
Superb service and we won't hesitate to recommend to others.
14 de mayo 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
Exceptional Support for a Complex Medical Case
I recently secured life cover through The Insurance Surgery, and I honestly cannot recommend them highly enough, especially Neil Cameron, who supported me throughout the entire process.
I have a complex medical history, including Transposition of the Great Arteries, so finding suitable life cover has never been straightforward. From the very beginning, Neil was incredibly patient, understanding, and knowledgeable. He gave me the time, support, and honest advice I needed without ever making me feel pressured or rushed.
What really stood out was how compassionate and reassuring he was during what can be quite an emotional and stressful process to navigate through. He took the time to fully understand my situation and worked hard to help me secure cover that I genuinely wasn’t sure I’d be able to get.
Thanks to Neil and The Insurance Surgery, I now have peace of mind knowing my family is protected. If you have a complicated medical history and are struggling to find insurance, I would absolutely recommend speaking to them.
Outstanding service from start to finish.
11 de mayo 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
Julie Arthurs .. great advisor
Julie has been amazing not once but twice hence me returning to her ,she set up my life insurance in 2020 and has just managed to secure critical illness insurance for me in 2026. Which I was surprised at as I had previously has some health issues. I wouldn't hesitate to use her again, 5* service!
Sara Warr.
8 de mayo de 2026
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
Great service
Great service, would definetly recommend. Neil has been fantastic with us and sorted the insurance in no time.
13 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
Insurance surgery are amazing..... five-star
Steven Lewis made things smooth from start to Finnish.
Was always there on hand either by phone or email to answer any questions or uncertainty I had.
I had another quote with another company which was misleading on price, but Steven was there on hand to break down and sort out any true pricing.
There's no hidden agenda's or gimmicks here, just good quality advisors with great advice and help throughout
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
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