Insurance Surgery - Special Risk Insurance

Welcome to The Insurance Surgery

The Insurance Surgery is a specialist Independent Financial Advisor that has since 1999, helped thousands of clients who fall into special risk categories, find financial products at competitive rates. Whether your client has an existing health problem or involved in a dangerous occupation or hobby we are here to help.

We are delighted to offer two services to enable you to find competitive term assurance for your clients. To view full details of these services please click here.

If you require a product other than term assurance please click here otherwise please select from the services available below:

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The Full Service

If you wish The Insurance Surgery to deal direct with your client, taking over all the administration, compliance and servicing of the application process then The Full Service is for you. If we are successful in obtaining cover for your client we will pay you an introducer fee (typically 25% of any commission received. Click to see the advantages of The Full Service or a process flowchart)

SUBMIT AN IFA FULL SERVICE CASE

If you are unable to submit online at this point and wish to access a paper data capture form click here.

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The Consultancy Service

If you simply wish to 'tap into' The Insurance Surgery's experience of this specialist market and deal with the client yourself then The Consultancy Service is your way forward. You would need to supply The Insurance Surgery with information regarding the clients requirements together with a questionnaire relating to any areas that are considered a special risk. Once the information has been received we will research our database, speak to medical underwriters, then within 2 working days provide you with:

• An estimate of likely 'loading'
• The names of the two companies who we feel will provide the most competitive terms.

The cost for this service is £125 per case, payable within 7 days of the report being issued. (Click to see the advantages of The Consultancy Service or a process flowchart)

SUBMIT AN IFA CONSULTANCY CASE

If you are unable to submit online at this point and wish to access a paper data capture form click here.

Consultancy Service - Important Safeguards - please read

There will be no charge if we inform you that we feel the client will be declined. The charge will be refunded if:

• Both companies we recommend decline cover for the client
• The client/you obtain cover more cheaply through another insurer (based on full commission)