Insurance for clients with medical conditions and other special risks

Do you live with a medical condition or maybe your job or hobby is dangerous? Do you struggle to find insurance? Then we are here to help.

The Insurance Surgery specialises in obtaining life insurance, travel insurance and other financial products for clients with pre existing medical conditions or dangerous hobbies and occupations.

Life Insurance

If you have medical condition you may find the cost of your life insurance has been increased or even declined. Let us use our expertise to assess if we can reduce the cost of your cover.

Travel Insurance

It is essential that you declare any pre existing medical conditions when you apply for travel insurance otherwise you may not be properly covered. We have links with specialist travel insurers who specialise in finding competitive cover for clients with medical conditions

Annuities

If you are about to draw the benefits from a Personal Pension scheme please contact us to see if you are eligible for an Impaired Life Annuity or an Enhanced Annuity. These are specialist schemes that can increase your retirement income substantially.

Income Protection

Protecting your income in the event illness can be difficult if you have an existing medical condition or a high risk job or hobby. We may however be able to help and can usually offer a quick assesment of your individual case.

Key Man Insurance

Protecting Key people in a business is vital. We can offer help to provide cover for employees who have medical conditions as well as those in perfect health.

Care Home Funding

If you, or a relative, is in or about to enter a Care Home or a Nursing Home there are special schemes available to help with Care Home Funding. We can arrange for a specialist to see if you are eligible.

Other

We offer a wide selection of products that may be of interes. To see the complete range please click 'all products'

Illnesses we can help with

We can help with a very wide range of conditions and it is always advisable to contact us regarding your personal circumstances. Our success rate will depend on various factors including the type and severity of your pre existing condition and the type of insurance needed. We have particular success with the following

• diabetes life insurance
• diabetes travel insurance
• MS life insurance
• MS travel Insurance
• epilepsy life insurance
• epilepsy travel insurance
• cancer travel insurance
• impaired life annuities
• enhanced annuities

 

This is BY NO MEANS an exhaustive list and we recommend you look through our A-Z pages for more information.