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Case Studies
Life Insurance and Critical Illness Insurance
Please find below details of just some of the hundreds of clients we have helped over the last few years:
Brian. who has diabetes (age 46, non smoker), and his wife Pam (age 47, non smoker)...
..approached us when their mortgage company wanted them to take out 2 single life policies for a premium of £160 per month to cover their mortgage of £20,0000 over the next 20 years. We obtained joint cover for only £85 per month - a saving of over 45%.
Tracey (age 37, non smoker) from Derbyshire suffers from Crohn's Disease.
She already had a life insurance policy for £20,0000 over a 25 year term. Tracey contacted us to see if we could reduce her premium. By using The Insurance Surgery she obtained the same cover for 16% less cost.
Darren from Hertfordshire had been refused life cover following diagnosis with Cancer in 1995.
We obtained £10,0000 of life insurance to protect his mortgage.
Adrian, who along with diabetes also had high blood pressure was delighted when we found him life insurance at a competitive premium.
He was even happier when we continued our search and saved him an additional 20%.
Jen (age 39, non smoker) had thyroid cancer in 2001 and enquired regarding life insurance.
She was declined by several companies and offered terms of £104pm from a leading insurer. By using The Insurance Surgery we managed to obtain the cover of £45000 over 20 years for £7.50 pm a saving of nearly £100pm!
Thomas (age 22, non smoker), who suffers with a Kidney Disorder was declined cover by various insurers.
We found him insurance for £107,0000 over 35 years at an affordable £17pm.
Paul (age 29, non smoker), who had diabetes, and his partner Mandy (age 30, non smoker) had been declined Critical Illness Insurance on several occasions.
By using The Insurance Surgery they not only received a more competitive quote for their life insurance but we managed to obtain Critical Illness Insurance (with certain exclusions due to his diabetes).
James, who has severe diabetes, had applied to several companies to obtain life insurance for his mortgage.
He had been declined each time. We obtained cover at the first attempt.
FOLLOW THE INSURANCE SURGERY LTD:
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www.the-insurance-surgery.co.uk 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)