I have a rare medical condition which makes seeking life insurance particularly difficult - I would get rejected on the spot when applying alone. The Insurance Surgery has a team of knowledgable staff... Leggi di più
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Ryan was really helpful despite there being a lot of back and forth between myself and doctor’s appointments. He really explained things I didn’t understand and helped me explore all options so that I... Leggi di più
Neil is fantastic, I'd recommend the Insurance Surgery and specifically him any day of the week. I have a high BMI so I know getting life insurance can be a challenge, but Neil talked me through the o... Leggi di più
L'azienda ha risposto
Tom was extremely helpful, he kept me updated throughout and was able to ask all the right questions to ensure I got the insurance that was right for me. Without his help, I may have struggled to get... Leggi di più
L'azienda ha risposto
Dettagli dell'azienda
- Agenzia di assicurazioni sulla vita
- Agenzia di assicurazioni sanitarie
- Assicurazione reddito protetto
- Agenzia di assicurazioni
- Broker assicurativo
- Azienda che fornisce assicurazioni temporanee sulla vita
Scritti dall'azienda
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
Scritti dall'azienda
- 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.
Informazioni di contatto
2nd floor, Pickford Mill, SK11 6JD, Macclesfield, Regno Unito
- 0800 083 2829
- enquiry@theinsurancesurgery.co.uk
- the-insurance-surgery.co.uk
Speak to an Expert
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2K recensioni
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Excellent, honest and genuinely helpful advice from Neil Cameron
I dealt with Neil Cameron at The Insurance Surgery while reviewing my existing protection arrangements and considering whether there were better options available.
Neil was excellent throughout. He was patient, friendly, clear and very thorough, and he took the time to understand what I already had in place and what I was trying to achieve. I never felt rushed, and he explained the options and trade-offs in a way that was easy to understand.
What stood out most was his honesty. In the end, Neil was clear that I was probably better staying with my current arrangements rather than changing things for the sake of it. That meant no sale for him, but it was exactly the right advice for me.
I really appreciated the time and effort he put in. He came across as professional, knowledgeable and genuinely focused on giving good advice rather than just trying to place a policy.
I would happily recommend Neil and The Insurance Surgery to anyone wanting clear, honest protection advice.
6 luglio 2026
Non scritta su invito
Risposta di 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
Can’t recommend enough!
I would recommend anyone who feels overwhelmed with the struggle to get life insurance to go to the Insurance Surgery. Stephen was absolutely fantastic, talked me through everything, I was able to go through all health conditions feeling comfortable and in under an hour the insurance was sorted. I cannot thank Stephen enough!
2 luglio 2026
Non scritta su invito
Risposta di 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
Thanks Justin at the Insurance Surgery! Great service!
After being told by the insurance broker suggested by our mortgage broker that the only insurer who would touch us (because of my pre-existing condition), could only offer me life cover and nothing else, I reached out to the Insurance Surgery for help. I got a call back after around 5 minutes after my initial enquiry and after answering the usual questions, Justin at the Insurance surgery had us a policy sorted within a couple of hours! Excellent, quick and easy service. Highly recommend to anyone with any pre-existing conditions!
3 luglio 2026
Risposta di 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
Really easy from start to finish!
Really easy from start to finish!! Megan was very helpful and explained everything brilliantly!! From start to finish effortless and really great quotes also.
3 luglio 2026
Non scritta su invito
Risposta di 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
Great advice and very easy to deal…
Great advice and very easy to deal with. Would highly recommend.
3 luglio 2026
Risposta di 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
Extremely helpful
Stephen G. was incredibly helpful in arranging both critical illness and PMI cover at an affordable price, when other companies outright rejected or offered prohibitively expensive rates. He explained everything very clearly and took the time to understand my medical background to ensure I'd get the best cover for my needs. I'd fully recommend the Insurance Surgery and Stephen as an advisor/insurance broker.
1 luglio 2026
Non scritta su invito
Risposta di 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
Great quick service from Julie Arthurs…
Great quick service from Julie Arthurs would recommend
30 giugno 2026
Non scritta su invito
Risposta di 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
Megan was very kind and explained…
Megan was very kind and explained everything perfectly
30 giugno 2026
Risposta di 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
Amazing Service
I have PKD and I have never been able to get Insurance before after trying hundreds of places. After finding Julie Arthur’s she has found me a policy that I great for me with a good monthly payment. She was fantastic through the whole quote process and under writing process. Would recommend to anyone!
30 giugno 2026
Non scritta su invito
Risposta di 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
Risposta di 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 company, great advisor.
After dealing with another company who really didn’t help me at all, it was great to find Neil Cameron from the insurance surgery who was really helpful and managed to get my life insurance sorted even with my existing medical issues.
Highly recommend
22 giugno 2026
Non scritta su invito
Risposta di 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
Amazing service!!
Amazing service!!! Informative, pilot and genuinely want to help people get the best offer. Would highly recommend the Insurance Surgery especially Tom Heyes
29 giugno 2026
Non scritta su invito
Risposta di 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
Was referred to The Insurance Surgery by my mortgage advisor as I could not get coverage due to my underlying health condition. I spoke to Ryan on the phone, he was very friendly and professional and was quick to take action on my behalf.
Fantastic service, would highly recommend to anyone, particularly those with health conditions struggling to get coverage elsewhere.
29 giugno 2026
Non scritta su invito
Risposta di 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
very helpful
neil was very helpful and understanding. he explained all the different options and went above and beyond to get me some cover sorted
25 giugno 2026
Non scritta su invito
Risposta di 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 Cameron was very useful- being…
Neil Cameron was very useful- being foreignI don't always understand the subtleties of jargon and he has made the whole process easy and clear !
22 giugno 2026
Risposta di 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
Sam cox was very helpful
25 giugno 2026
Risposta di The Insurance Surgery Ltd
Thank you for sharing your experience with Sam Cox 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 so amazing in advising me…
Julie was so amazing in advising me with the best policy for me . I would recommend this company as they were efficient to all the needs I required
25 giugno 2026
Non scritta su invito
Risposta di 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
Fantastic service
Spoke to ryan at the insurance surgery. Very easy to set up .easy to go through. Very friendly and proffessional quick to sort out would highly recommend and i have a medical condition so dont be put off by that.
25 giugno 2026
Risposta di 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 service
I recently arranged life insurance through Justin Attwood at The Insurance Surgery, and I couldn’t be happier with the service I received.
Justin was professional, knowledgeable, and incredibly patient throughout the entire process. He took the time to explain everything clearly, answered all of my questions, and made what could have been a stressful experience feel straightforward and easy. I never felt pressured, and he genuinely seemed to care about finding the right cover for my circumstances rather than simply making a sale.
His communication was excellent from start to finish, keeping me informed every step of the way and ensuring everything was completed smoothly and efficiently. The level of customer service was outstanding, and I felt confident that I was in safe hands throughout.
I would highly recommend Justin Attwood and The Insurance Surgery to anyone looking for honest, professional insurance advice and exceptional customer care. A five-star service from beginning to end.
12 giugno 2026
Non scritta su invito
Risposta di 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
Julie was absolutely amazing
Julie was absolutely amazing, so thorough and happy to go through each point with me. Got me an amazing deal and made me feel really important. Cannot recommend enough!
24 giugno 2026
Non scritta su invito
Risposta di 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
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