Skip links

Family Cover
IFA Centre
Charity Support Scheme
Affiliates
Get a Quote

0800 083 2829

Talk to an expert

Feefo Award 2020 Platinum Image

0800 083 2829

Talk to an expert

Get a Quote

The UK’s number 1 specialist broker for high risk customers looking to get life insurance

Get a Quote

Our Partners

The Insurance Experts

Life Insurance Specialists

Our team of insurance experts will help you to find the right cover to protect your family or your business and we aim to save you money. We also specialise in finding affordable life insurance for people who have pre-existing medical conditions, hazardous occupations or extreme sports.

tp-reviews
feefo logo

As seen in

Price Match Promise

Value for money is important to us all… We aim to beat any like for like offer if you manage to find cover cheaper elsewhere.

Read More

Regular Review Service

Life changes and so do your Life Insurance needs. We aim to keep in touch regularly, to make sure that your family is fully protected.

Read More

Personal Advisor

Our team of highly skilled life insurance experts are here to help. You will get your very own advisor to take you through each step.

Read More

Policy Deed of Trust Service

We will offer to place your policies in to Trust for FREE. Trusts help to avoid tax, save time and pay out how you want it to.

Read More
Life, Travel, Medical, High Risk and more

Areas We Cover

Medical Conditions

Life Insurance for Pre-existing Medical Conditions

Find Out More

Extreme Sports

Life Insurance for Extreme Sports & Professional Sports

Find Out More

Dangerous Occupations

Life Insurance for Hazardous & Dangerous Occupations

Find Out More

Search All Areas A-Z

A-Z of Medical Conditions, Dangerous Occupations and Extreme Sports

Find Out More

Life Insurance for Pre-existing Medical Conditions

The Insurance Surgery is a leading life insurance, critical illness cover and income protection specialist for people with pre-existing medical conditions. Since 1999 we have helped literally thousands of individuals, families and businesses to obtain the financial protection they need and peace of mind knowing that they are covered. People with a pre-existing medical condition looking for life insurance should already be aware of how annoying or difficult the application process can be which is why we’re here to help. You can find more information about life insurance for a specific medical condition personal to you here.

Some people may also already have been declined life insurance, critical illness cover or income protection because of their medical condition / history but this does not necessarily mean that you are uninsurable. Some insurance providers are far more flexible than others when it comes to adverse risk applications such as pre-existing medical conditions life insurance. Our team of highly skilled and vastly experienced life insurance experts have worked with over 1,000 different medical conditions which is why we’re so good at what we do. Through the knowledge and understanding of medical conditions that we have, we’ll make sure that you get the right cover to protect your family and we aim to save you money on your life insurance premiums.

Even if you have been declined life insurance in the past then it is still highly likely that we will be able to get you, your family or your business financially protected. In fact, a large number of our clients have already spoken to several other insurance companies who were not able to help and we were able to get them covered.

Life Insurance Experts

Obtaining Life Insurance with a Medical Condition

The list of possible pre-existing medical conditions is almost endless, especially when you consider that there are well over 200 different types of Cancer alone.

Some of the main examples of Life Insurance for Pre-existing Medical Conditions include:

You will usually be asked about your medical history / condition on your life insurance application to identify the severity and risk.

Some of the main reasons why your life insurance premiums could be increased or critical illness / income protection exclusions may apply because of your medical history:

  • Medical complications relating to your condition(s)
  • Mortality data
  • Lifestyle

Our team of life insurance experts for pre-existing medical conditions will be able to identify which insurance underwriters will be best for you and your circumstances.

COVID-19

Coronavirus and Life Insurance:

What you need to know

About The Insurance Surgery

The Insurance Surgery is a leading Life Insurance and Travel Insurance expert as well as one of the top specialists for people who are classed as high risk by insurance underwriters. We have many years of experience and our team of insurance experts has helped thousands of individuals, families and businesses to get the right cover at the right price.

We are also incredibly proud to be able to say that we have one of the highest customer review ratings on Feefo of any insurance company in the UK. The Insurance Surgery is 100% focused on providing an outstanding level of service to all of our clients and making sure that they have the best cover in place at all times.

More about us Get a Quote

about us vid 1

Meet Our Advisors

laura

Protection Advisor

Laura

greg

Protection Advisor

Greg

james

Protection Advisor

James

jason

Protection Advisor

Jason

Independent Customer Reviews

Excellent

Based on 802 reviews See all reviews here