Business Details
21 Years
experience
Specialist Life & Protection Insurance Brokers
Established in 2005, The Insurance Surgery has built a reputation as a trusted broker specialising in life and protection insurance solutions. With over two decades of combined expertise, our team focuses on providing tailored coverage for individuals and businesses, including those with complex medical histories or high-risk occupations. We prioritise transparency, offering free, no-obligation advice without pushy sales tactics. As part of the Protection Distribution Group and the British Insurance Brokers Association, we adhere to stringent industry standards while maintaining access to exclusive policies unavailable elsewhere.Our Price Promise guarantees competitive rates, and we provide ongoing support through free policy reviews. Backed by 25 years of specialist experience, we work with mainstream and niche insurers to secure optimal coverage for clients, including critical illness, income protection, and business insurance. Our commitment to customer-centric service is reflected in our Trustpilot ratings and our approach to handling all administrative tasks, from underwriting to trust setup, ensuring a seamless experience for policyholders.
Services
Life Insurance
Critical Illness Cover
Income Protection
Business Protection
Travel Insurance
Details
- Year established: 2005
Highlights and features
- 25 years of specialist life and protection insurance experience
- Free, no-obligation advice with no pushy sales tactics
- Price Promise: Beat cheaper quotes and offer a 50 gift card
- Access to exclusive policies unavailable elsewhere
- Free policy reviews to ensure ongoing suitability
Associations and certifications
- Financial Conduct Authority
- Protection Distribution Group
- British Insurance Brokers Association
What people say
Excellent service
Dedicated adviser
Competitive rates
No pushy sales
Quick support
Services
Life Insurance
We provide tailored life insurance policies designed to protect loved ones financially in the event of death. Our offerings include term life, whole-of-life, and over-50s plans, with options for critical illness add-ons. Policies can cover mortgages, debts, and funeral costs while accommodating pre-existing medical conditions and high-risk occupations. Our specialists ensure competitive pricing and flexible terms.
Critical Illness Cover
Our critical illness cover provides a lump sum payment upon diagnosis of specified serious conditions like cancer, heart attacks, or strokes. Policies support mortgage payments, medical expenses, and income replacement, with options for standalone coverage or as an add-on to life insurance. We specialise in arranging cover for individuals with complex medical histories through niche insurers.
Income Protection
We offer income protection policies that replace up to 70% of earnings if illness or injury prevents work. Coverage durations range from short-term to retirement age, with deferred periods from day one. Ideal for self-employed individuals and those without employer sick pay, our policies include options for pre-existing conditions and high-risk occupations.
Business Protection
Our business protection solutions include key person insurance, shareholder cover, and group life policies. These products safeguard against financial losses from employee absences, facilitate share buyouts, and protect business loans. We assist with trust setup and underwriting while offering tailored advice for sectors with high-risk profiles.
Travel Insurance
We partner with Staysure to provide travel insurance for individuals with pre-existing medical conditions and extreme sports enthusiasts. Coverage includes single-trip, annual multi-trip, cruise, and winter sports policies. Our service helps clients compare options while offering expert guidance on policy terms and exclusions for UK residents.
Questions
What types of life insurance do you offer?
We provide term life, whole-of-life, over-50s plans, and critical illness cover. Policies can be tailored for mortgages, family needs, or business protection with options for pre-existing conditions.
Can I get insurance with a pre-existing medical condition?
Yes. We specialise in arranging coverage for complex medical histories through mainstream and niche insurers, including cancer, diabetes, and heart conditions.
How does income protection differ from statutory sick pay?
Our income protection replaces up to 70% of earnings during long-term illness, compared to statutory sick pay's £116.75/week. Policies offer flexible deferred periods and coverage until retirement age.
Do you offer business insurance solutions?
Yes. We provide key person insurance, shareholder cover, group life policies, and business loan protection tailored to sectors with high-risk profiles.
What travel insurance options exist for medical conditions?
Through our partnership with Staysure, we offer policies covering pre-existing conditions, winter sports, and cruises with options for UK residents.
How do your price comparisons work?
We access exclusive deals and compare policies across insurers to ensure competitive pricing, backed by our Price Promise to beat cheaper quotes.
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