With a pre-existing medical condition that made finding life insurance feel impossible through mainstream providers. The Insurance Surgery found me options I genuinely couldn't have found on my own —... Leggi di più
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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
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
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
5,0
Eccellente
2K recensioni
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Scopri come vengono raccolte, valutate e moderate le loro recensioni e valutazioni.
From the beginning to the last l was…
From the beginning to the last l was informed and supported throughout the whole time .Emails and letters were sent supporting and informing me if there was any delays
23 aprile 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
The staff at Insurance Surgery was extremely helpful
The staff at Insurance Surgery was extremely helpful, communicative and reassuring. And the process was smooth and trouble-free. And best of all, I got the outcome I wanted and am happy with the cover arranged. Thanks for all your help Julie!
27 aprile 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
Excellent communication and customer…
Excellent communication and customer service from start to finish
27 aprile 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
Experience
Steve made my first time getting life insurance really clear and easy to understand. I couldn’t fault my experience and would highly recommend Steve. Great customer service and value for money.
24 aprile 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
Great customer service
Excellent company with a great customer service, they sorted my insurance out without any drama whereas several companies I contacted prior to them just couldn't be bothered to even respond.
24 aprile 2026
Risposta di The Insurance Surgery Ltd
Thank you for sharing your experience with Richard 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
Complex health condition
Ryan helped me to get critical illness and life cover despite a conplex health record. He also patiently explained income protection cover and helped me to decide what type and level of cover I needed. Thank you :)
24 aprile 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
Highly recommended 5* service
I had a really great experience working with Sam C. After speaking to several different companies, I can honestly say no one else came close in terms of professionalism, kindness, and clear communication.
Everything was explained to me in a way that was easy to understand, and I never felt rushed or pressured. Sam C was very patient, answered all my questions, and made the whole process of setting up my life insurance and critical illness cover feel simple and stress-free.
I truly felt looked after and supported throughout. Always helpful, approachable, and genuinely caring.
I would highly recommend Sam C to anyone looking to set up insurance in the future.
SW
23 aprile 2026
Non scritta su invito
Risposta di 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
Risposta di 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
Professional and informative service from Steven
I had a couple of calls with Steve who reviewed my existing policies and searched for a more suitable cover for mortgage life insurance. Steve was professional, and explained things in an easy to understand manner which made me feel at ease. Great service and happy to recommend Steve
23 aprile 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
Stephen at the insurance surgery was…
Stephen at the insurance surgery was superb. Very patient very understanding.
Got my family the cover we required. Done his research and came back to me with a plan. Highly recommend
23 aprile 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
Excellent customer service
Lovely, well informed staff. Excellent communication and customer service. Highly recommended.
26 marzo 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
highly recommended!
I had a really positive experience working with Sam C from The Insurance Surgery.
Sam was very patient and took the time to clearly explain all the different options available to us, making sure we fully understood the differences between each policy. He was also very responsive and always willing to answer our questions, which made the whole process much easier and less stressful.
We never felt pressured at any point, and he genuinely tried to find the most suitable solution for our needs and budget. In the end, we are very happy with the outcome and feel much more confident about our family’s protection.
Thank you again, Sam C, for your professional and friendly service – highly recommended!
22 aprile 2026
Non scritta su invito
Risposta di 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
Sam Cox is a real asset
Sam Cox is a real asset to both the company and its customers. There was never anything that was too much trouble, and Sam showed great patience whilst we got the policies sorted. A great guy, friendly, knowledgeable, patient and really helpful. Would highly recommend.
20 aprile 2026
Non scritta su invito
Risposta di 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
Staff are lovely and polite
Staff are lovely and polite. As helpful as you could ask for. Personally spoke with John Dunkerley and Ryan Prescott who both helped me with my standard review of my insurance and setting up a new policy due to moving house and needing more cover.
20 aprile 2026
Non scritta su invito
Risposta di The Insurance Surgery Ltd
Thank you for sharing your experience with John and 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
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
Tom- asset to the company
I wanted to leave a review for Tom, who has been working on my personal insurance for over 3 months. It’s been a long process, but throughout it all he has been patient, thorough and extremely professional.
Every detail was clearly explained, nothing was rushed, and I always felt confident that everything was being handled properly. He kept me informed at every stage and made what could have been a stressful situation feel much more manageable.
Delighted to say we now have everything in place, and that’s down to Tom’s persistence and attention to detail. Highly recommend his service.
20 aprile 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
Life Insurance with kidney disease
I thought I would never get life insurance as I tried several companies but was always auto declined due to health conditions. Ryan at The Insurance Surgery was really helpful and managed to secure decent cover for me. He kept in regular contact updating me with the progress of my application.
17 aprile 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.
f 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 friendly
Very friendly, , polite, and very helpful, definitely advise to use these people.
14 aprile 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
Ryan Prescott was very helpful and…
Ryan Prescott was very helpful and efficient, guiding me through the application process.
I had a few issues with my situation which he helped me resolve.
Thank you Ryan
16 aprile 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
Superb service
Was referred to The Insurance Surgery and Tom was superb. Great help and communication throughout. Would not hesitate to recommend.
16 aprile 2026
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
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