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Brilliant, even though I work for an Insurance Company I would do business again

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  • Purple Day 26th March 2014

    Epilepsy and life insurance Purple Day was launched in 2008 and is held annually to get people across the globe talking about and raising awareness of Epilepsy.

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  • Mortgage news (Feb '14) Bank of England interest rates

    Interest rates could remain at 0.5% for a further 12 months Yesterday (Thursday 12th February 2014) saw the Bank of England hold its interest rate again and reveal that it plans to try to keep rates low for a further 12 months. There has been a lot of speculation about interest rate rises over the...

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  • Declined Life Insurance?

    Declined Life Insurance?.....We may have a solution If you have been declined life insurance it can be a very worrying experience. You may have a mortgage or other debts that you would want settling on your death and you may also want to provide some security for your loved ones. We are pleased...

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  • Obesity and life insurance

    The Insurance Surgery guide to Obesity and Life Insurance The Insurance Surgery is a leading insurance specialist for people who have been diagnosed with a pre-existing medical condition. Our extensive knowledge and understanding of the life and travel insurance market helps us to obtain the best...

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Welcome to The Insurance Surgery

..the first UK website designed specifically to help clients with pre existing medical conditions and other special risks find competitive life insurance, travel insurance and other financial services.

Pre Existing Conditions - How we can help?

The Insurance Surgery was established in 1999 and is one of the UK's leading specialists in finding life insurance, travel insurance, impaired life annuities and other insurance products for clients with pre existing medical conditions.

We recommend reading our Independent Reviews at The Review Centre, Trustpilot or Feefo before contacting us.

If you suffer from a pre existing medical condition you may find that life insurance and travel insurance companies either increase the cost of your insurance or even decline to offer cover. By using the services of The Insurance Surgery you will be guided towards life insurance and travel insurance companies who are sympathetic to your pre existing medical condition. This can often result in life insurance being offered at a cheaper rate or cover being offered when previously declined.

The Insurance Surgery Price Guarantee

As an Independent company The Insurance Surgery can access quotations from all the leading life insurance providers rather than just a small panel so we can ensure that you obtain the best deal possible. In fact if you suffer from a pre existing medical condition, we will guarantee to present you with £40 of high street vouchers if we don't find you the cheapest life insurance quotation on the market. This will give you the peace of mind that The Insurance Surgery is truly the best one stop insurance centre for clients with pre existing medical conditions. Click here for details.

Supporting Charities

The Insurance Surgery has, since 1999, become recognised as the leading Independent Financial Advisor for clients with pre existing conditions and as such has developed links with many charities who benefit from The Insurance Surgery's regular donations. If you work for a Charity please click the link below to see how you and your members may benefit. Click here for details.

Dangerous Hobbies, Occupation?

The Insurance Surgery is pleased to announce that we will now be extending the services we offer to clients with pre existing medical conditions to clients in other special risk areas such as dangerous hobbies and occupations. We will again use our skills to find completive life insurance and travel insurance quotes tailored to your specific circumstances.

The Insurance Surgery is rated 4.6/5 based on 84 reviews.
Read our reviews.

wrote on 5

The insurance surgery is a wonderful company. Due to my medical background i was finding it impossible to get a life policy but once i got in touch with the insurance surgery they took all my details and medical conditions including medications. I was assigned to a lady called sue who kept in contact with me constantly throughout the process. Due to sue and her teams hard work i was offered a life policy. I would not have been able to have this policy without them and there medical knowledge. I would have no hesitation in recommending the insurance surgery to anyone.


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diabetes life insurance, impaired life annuities, care home funding, pre existing travel insurance, pre existing conditions insurance, pre existing life insurance

TMS TISstandard Go Daddy is a trading name of The Money Surgery Limited which is an Appointed Representative (FSA registration number 511725) of The Insurance Surgery Ltd who are authorised and regulated by the Financial Services Authority (FSA registration number 401425). The Money Surgery Ltd allows The Insurance Surgery Ltd to use this site as a marketing and communication vehicle. All enquiries generated by the site will be handled by either The Insurance Surgery Ltd or The Money Surgery's other commercial partners who will also be regulated by the Financial Services Authority where required. (see terms for full details)


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