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  • World AIDS Day 2015

    HIV Life Insurance rates dropped by 50% since 2011..! The Insurance Surgery is a leading pre-existing conditions specialist (such as HIV) for life insurance and travel insurance. Our team of experts have been working with HIV clients since 1999 to help them obtain life cover and travel...

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  • Movember 2015

    Movember started way back in 2004 with a group of 30 men in Queensland, Australia. The decided to grow a moustache to raise awareness for men suffering with prostate cancer and depression. They never knew it would become such a world wide charity raising over £402million to...

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  • Breast Cancer Awareness Month 2015

    Breast Cancer insurance specialists October is breast cancer awareness month in the UK with more than 55,000 women and around 350 men each year being diagnosed. This means fundraising is substantial throughout the month with events such as Brave the Shave, Go Sober and The Big Pink to name...

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  • Mortgage news: EU Mortgage Credit Directive

    Mortgage news - May '15 New EU Credit Directive - Mortgage borrowers risk becoming 'Mortgage Prisoners' Martin Lewis ( "British homeowners must remortgage NOW…" According to a recent article in the Daily Express (Friday 1st May) the TV money expert and...

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  • Epilepsy Week 2015

    National Epilepsy Week - Seize Control The UK's leading Epilepsy charity Epilepsy Action is holding its annual event (National Epilepsy Week) to help raise awareness for those living with the condition. The theme of this years event is 'Seize Control' which is to focus on looking at those...

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Life and travel insurance specialists for pre-existing medical conditions

A leading life and travel insurance specialist for people with pre-existing medical conditions, hazardous occupations and extreme sports

Pre Existing Medical 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 4.9/5 based on 131 reviews.
Read our reviews.

wrote on 5

The Insurance Surgery found a competitive policy for medical conditions life insurance for my wife, even after she had been declined by other companies. A great service.


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TMS TISstandard Go Daddy is a trading name of The Money Surgery Limited which is an Appointed Representative (FCA registration number 511725) of The Insurance Surgery Ltd who are authorised and regulated by the Financial Conduct Authority (FCA 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 Conduct Authority where required. (see terms for full details)


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