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We aim to make life and travel insurance
affordable and obtainable for everyone...

AEGONAIGAVIVAFriends LifeLegal & GeneralLiverpool VictoriaRoyal LondonVitality Health - LifeZurich

Life and travel insurance specialists
for pre-existing medical conditions

Coin Stack
Price Match Promise

Value for money is important to us all… We aim to beat any like for like offer if you manage to find cover cheaper elsewhere. 

Annual Review Service

Life changes and so do your Life Insurance needs. We aim to keep in touch regularly, to make sure that your family is fully protected.

Personal Adviser

Our team of highly skilled life insurance experts are here to help. You will get your very own advisor to take you through each step.

Policy Deed of Trust Service

We will offer to place your policies in to Trust for FREE. Trusts help to avoid tax, save time and pay out how you want it to. (“The Financial Conduct Authority does not regulate taxation advice”)

About the Insurance Surgery

The Insurance Surgery is a leading Life Insurance and Travel Insurance expert for people who have pre-existing medical conditions, hazardous occupations, extreme sports and standard lives. Since 1999 we have helped thousands of individuals and families to protect themselves and ther financial future.

Why choose The Insurance Surgery?

We offer full advice and make recommendations for life insurance to our clients to ensure that your financial needs are properly covered. As an independent life insurance specialist we offer products from the Whole Market as well as some specialist providers not available through standard companies.

Independent reviews at

Pre-existing conditions - Speak to the experts

we aim to offer life insurance and travel insurance to cover you and your family regardless of your circumstances and medical history. We help hundreds of people and families every month to obtain cover who may otherwise have struggled or even been declined.

What if I have been declined in the past?

If you have a pre-existing medical condition or are classed as non-standard risk by insurers then it is important to speak to a specialist. Our team of experts deal with non-standard risks daily and are far better equipped to help those individuals that need our services.

How does having a pre-existing condition affect life insurance?

There is a range of factors that need to be considered when looking at life insurance for non-standard risks, such as: age, severity, diagnosis, treatment/medication, complications etc. This determines which provider we would approach for your cover and only an expert has the level of knowledge required to make that decision effectively.

For more information about your condition, occupation or sport search here:

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The Insurance Surgery Ltd is rated 4.9/5 based on 185 reviews. Read our reviews


This is not my first dealing with The Insurance Surgery and it simply reached the outstanding level of care and service I have come to accept is how they do business. Individual care, constant updates of progress and a successful conclusion. I would thoroughly recommend The Insurance Surgery to anyone. 4.9

feefo Service Rating 4.9/5

Pre-existing medical condition life insurance