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Life Insurance

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

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The Insurance Experts

Life insurance & travel 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 insurance for people who have pre-existing medical conditions, hazardous occupations or extreme sports.

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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.

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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.

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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.

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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.

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Life, Travel, Medical, High Risk and more

Areas We Cover

Medical Conditions

Life Insurance for Pre-existing Medical Conditions

Extreme Sports

Life Insurance for Extreme Sports & Professional Sports

Dangerous Occupations

Life Insurance for Hazardous & Dangerous Occupations

Search All Areas A-Z

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

The Insurance Surgery – High Risk Insurance Experts

Our team of highly skilled life insurance experts has helped thousands of individuals, families and businesses to find the best cover at the right price. If you have a pre-existing medical condition, hazardous occupation or take part in extreme sports then we’re here to help and save you money.

Life Insurance underwriting criteria varies dramatically from one insurance provider to another and therefore it is important to apply to the best company for you, especially for non-standard life insurance. Through our many years of experience, we know which insurance providers have the best underwriting rules for each medical condition, dangerous occupation or extreme sport to help you get the right cover at the right price.

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

Coronavirus and Life Insurance:

What you need to know

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.

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