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Life Insurance for Blue light card holders

£150 Voucher for eligible blue light cardholders We recognise the impact that the emergency services, NHS staff, social care staff and armed forces have on our everyday lives. We never take for granted the work that you do and we’re proud to offer you a £150 voucher on all of our life insurance, critical illness and income protection insurance policies. ( Blue light cardholders ) We promise you won’t find better protection, or a more affordable insurance premium anywhere else!

Life insurance for blue light cardholders

Getting life insurance can be a tricky process.

You might think that using an insurance comparison website to find the best policy for your family is the best way to protect them because you can instantly compare hundreds of similar policies.

But things aren’t quite like that.

Websites that compare insurance policies will give you instant online quotes for life insurance, but they might not show you the best policy for your needs. When it comes to money, you need to think about more than just the first monthly premium.

We get it.

You want to find a cheap life insurance policy. After all, no one wants to pay more than they have to.

But we worry that too many people only think about how much the premium costs and not enough about what kind of protection they need, how it will pay out, and what type of protection you already have.

At The Insurance Surgery, you can get a life insurance quote over the phone or through our live chat.

We see you as an individual.

If you have a blue light card, we know you already work for an organisation like the National Health Service, the police, the army, or within the local government. If so, you may already be eligible for enhanced sick pay or death-in-service benefits.

We’ll take the time to talk about the financial protections you already have in place, and we’ll build a life insurance or critical illness policy around those protections.

For example, if you get a severe illness, the NHS has a great sick pay policy that could cover your bills and living costs until you are well enough to return to work. In these situations, you might not need a critical illness or income protection policy to go along with your life insurance plans.

Similarly, if you part of the armed forces, your family could get a large lump sum if you died while serving. If that’s the case, you might not need life insurance. But income protection could be critical if you got seriously injured and could never return to work.

Our life insurance advisors know that everyone has their own needs.

No two life insurance policies are the same because every family is different.

We understand this, and that’s why we prioritise our personal approach rather than instant online life insurance quotes.

Our goal is to ensure you have everything you need so your family can have long-term financial security.

What does blue light life insurance cover?

Clients have come to us for over twenty years because they know we will provide them with what they need.

If you’ve never taken out a life insurance policy before, it can be confusing to understand the different types of cover available. Therefore, we won’t assume that you know the difference between life cover and life insurance or understand the jargon and terminology featured within your policy documents.

So, let’s break down what life insurance will cover and why many blue light card holders choose to take out these policies.

A life insurance policy will protect your family financially if you pass away or are told you only have a year to live because of a terminal illness. That’s because your insurance company will pay out a lump sum which can be used for various reasons.

It can add to any death-in-service or pension benefits already paid out.

A lump sum can be used to maintain a standard of living for your family for the foreseeable future. For example, it can help to pay your rent or mortgage or even contribute towards funeral costs.

You can have peace of mind that your family will be taken care of financially.

You can protect yourself with critical illness plans and income protection plans simultaneously.

You can choose to allocate a certain amount of money to leave to your family as an inheritance.

Any life insurance payout will be tax-free.

No matter what happens, our team of expert life insurance advisors is always there to protect you and your family.

Proudly supporting blue light card holders

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

Anyone can get life insurance, no matter what they do for a living. We often talk to people with blue light cards from the fire service, the emergency services, and the NHS (amongst many others). Each cares for society in very different ways, but they all share one thing. They want to keep their families safe from the worst things that could happen.

If you are eligible for a blue light card, you will know better than anyone else how quickly your life can change if you get sick or are involved in an accident.

No one knows what will happen in the future.

But we know you can plan for your future, no matter what happens.

Critical illness, life insurance and income protection policies can help you stay financially stable in a variety of circumstances.

This is where we are proud to be supporting blue light card holders.

Every day you look after people, caring for them and keeping them safe from harm.

Our blue light card life insurance policies give us a chance to return the favour.

With our expertise and contacts, we can match you with the best life insurance company for your family.

We’ll take the time to get to know you and your family and figure out what life insurance protection you need. Then, together, we’ll build a policy that’s right for you and match you to an insurance company that will give you the right financial protection.

We’ve worked with high-street names and independent insurance companies for over twenty years. We’ll only ever recommend insurers we know will pay out when needed and act with your and your family’s best interests at heart.

Severity of the condition

When you were first diagnosed with coarctation of the aorta

Your age

Whether your coarctation of the aorta has been treated surgically

Medications currently being taken

Family medical history

Whether you smoke

Any other related health complications such as heart disease

At The Insurance Surgery, we are leading specialists for putting people in touch with the best insurers when they are seeking to take out life insurance with a condition like coarctation of the aorta. We understand that every client’s condition and circumstances are different, and will help compare the market to find you the best life insurance providers and cover plans for your needs. Simply enter your details into one of our online forms for your free no-obligation life insurance quote.

Critical Illness Cover

Just like life insurance, critical illness cover can be available to some sufferers of coarctation of the aorta. Cover will depend on the severity of your condition and the extent to which it impacts on your general health, well-being and lifestyle.

You may find that insurers are more strict when offering policies for critical illness cover. You may need to provide medical confirmation in the form of records from your GP.

If your condition is manageable and you have no symptoms, it is possible to have an application for critical illness cover accepted on standard terms. If however your symptoms are more severe and you have had surgery, you might be offered cover with non-standard terms that are bespoke to your situation.

Contact us at The Insurance Surgery for more details and to be put in touch with insurers offering critical illness cover that fits your unique circumstances.

Blue light card income protection

We appreciate and value the work that you do.

Blue light card holders play a hugely important role in our communities, and we think you deserve financial protection throughout your career.

With our income protection policies, you can benefit from just that.

Income protection plans are there to help you stabilise your finances should you be ill or injured and unable to work. In addition, for those whose illnesses and injuries are career-ending, an income protection plan can offer you financial assistance until you reach retirement age.

As a blue light worker, you will likely already work for an employer with generous sick pay policies.

For example, the NHS may provide as much as six months full pay and six months half pay for those deemed medically unfit to work. Your entitlement will depend on how long you’ve worked there and is set out through Agenda for Change.

In these scenarios, you may question whether you need an additional income protection plan.

If you got sick or hurt and couldn’t work for a while, could you pay your bills? If you can’t get sick pay from your job, you might find that getting an income protection policy gives you peace of mind.

Income protection insurance could pay a steady sum until you could return to work. It would also keep your savings safe.

It genuinely worries us that so many blue light workers do not have financial protection in place to support them in case of a loss of income. A recent survey from LV= showed that “43% of employed people said that if they were off work for 2 months+ with illness or injury, they’d use their savings to cover outgoings.” (Source: LV=,

We don’t want you to have to use your savings.

Especially when, for just a few pounds each month, you could have an insurance payout (alongside any statutory or occupational sick pay payouts) that would cover your income until you’re fit enough to return to work.

How does blue light income protection work?

Income protection will cover you if you get sick in many different ways, both physically and mentally. For example, if you get hurt and can’t work, your income protection plan will pay you, so you don’t have to worry about money.

A blue light income protection policy typically covers 50–70% of your monthly salary. This will give you some extra money and much-needed breathing room when paying your bills and other living costs.

If you can’t work because of health problems, your salary protection insurance will pay your salary until you can go back to work.

If you are signed off indefinitely by a doctor, your salary protection insurance could pay you every month until you’re old enough to retire. On the other hand, it will keep paying until the end of the policy’s term.

As income protection is a private insurance plan, it can pay out at the same time as any formal or statutory sick pay policies from your employer.

You can also file as many claims as you need as long as your policy is still in effect.

Why buy blue light income protection insurance from us?

Our income protection plans, like our life insurance policies, are made with you in mind.

We don’t offer online quotes for income protection right away because we want to know what sick pay policies you already have and how they work.

We stand out from other insurance brokers because we pay attention to the small things that matter. We build policies around you and your lifestyle, so you are covered for what you need.

For example, if you know that you will no longer get full pay from your employer after six months, we can find a policy that will delay any income protection payments until your salary is reduced. That way, the insurance payouts kick in when you need them to. Not only does this work with your lifestyle, but it could help you to reduce your premiums.

Beyond that, when you call us about blue light card income protection, you might not have a figure in your head for how much cover you need. So we’ll chat through your current costs and figure out how much money you need to cover your outgoings.

You won’t get this attention to detail anywhere else.

We genuinely care about making sure that you have the right financial protection in place for your family.

You deserve that.

In the best-case scenario, you will never have to use your income protection insurance.

But if you do need to make a claim, we want to make sure that you have everything in place to protect your family’s finances.

Why choose us for your blue light life insurance?

You should talk to us about your blue light card life insurance for many reasons.

First of all, there are financial incentives.

We offer a £150 Voucher on all life insurance, critical illness and income protection plans for eligible blue light card holders (terms and conditions apply).

Our exceptional price promise means you will not find a better price elsewhere.

With access to high street and independent insurance companies, we can access life insurance offers not available anywhere else. This means we can match you to the best life insurance company for your needs.

But as an insurance broker, we offer more value than just affordable premiums.

NHS workers, people who work in social care, police, ambulance drivers, and people who work in prisons trust us to help them find life insurance because we work hard to find an insurer who will look out for your best interests.

We will always do our best to suggest a life insurance company with a history of paying claims quickly and willing to cover you even if you have a complicated medical history.

We never assume you know everything there is to know about life insurance. During our first conversations, we’ll explain any policy language and make sure you understand how your life insurance policy will protect you and your loved ones.

We’ll discuss your family’s history and help you find a policy that gives you the cover you want. For example, you might want a life insurance policy to make sure your children have a certain standard of living or to be delivered as part of an inheritance to a named beneficiary.

When the time comes, and you or your family need to make a claim, we are here to help you. We can support you with any claims, find any necessary paperwork and do whatever it takes to make the process as easy as possible for your loved ones.

We can help with all of these things and a lot more.

Our life insurance experts are here to help you with any questions you have. We want you to feel like you have all the information you need to choose the best blue light life insurance policy for you.

Are blue light workers considered high-risk occupations?

We’ve already said that life insurance is available for anyone working in any occupation.

The great thing about the blue light card incentive is that it is open to so many different professions, including:

4×4 Response

Ambulance Service

Blood Bikes

Border Force

British Army

Cave Rescue

Community First Responders

Fire Service

Highways England Traffic Officer

HM Armed Forces Veterans

HM Coastguard

HM Prison Service

Immigration Enforcement

Lowland Search and Rescue

MoD Fire Service

MoD Police

Mountain Rescue

NHS

Police

Red Cross

Reserve Armed Forces

RNLI

Royal Air Force

Royal Marines

Royal Navy

Search and Rescue

Social Care Workers

St Andrews Ambulance

St John Ambulance

UK Visas and Immigration

If you haven’t yet applied for your blue light card, it can easily be managed through the Blue Light Card discount website. Not only can you benefit from a fantastic £150 Voucher with all our life insurance plans, but cardholders can enjoy a wide range of discounts from local shops and restaurants with thousands of high-street and independent brands signed up.

With such a wide range of professions, it’s clear that different occupations will have very different risk levels. So, for example, someone currently serving in the armed forces will have a very different risk factor to a medical secretary working for the NHS or a prison officer.

But life insurance is complex. While insurance premiums will consider your occupation, they will also be based on your age, health, previous medical history, and preferred cover level.

The nuances of different policies are why we focus heavily on our personalised approach.

During our initial conversations, we’ll talk to you about your exact job role. We’ll find out what you do and ask you lots of questions to get an accurate opinion of your level of risk. At The Insurance Surgery, we don’t rely on computer algorithms. Instead, we use our decades of experience to create life insurance quotes built around you and you alone.

We love hearing about what people do for a living. It helps us figure out what you need, and that lets us find the right insurance company and premium for you.

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

At The Insurance Surgery, we are specialist life insurance providers for those who have congenital heart defects like coarctation of the aorta. We can help compare the market to find you the right insurance providers that can meet your needs while understanding the nature of your condition.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Voted Best life and protection broker 2022

Rated 5* on Trustpilot and Feefo

Access to high street and independent insurers

20 years’ experience & price match promise

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Do NHS workers get life insurance?

Death-in-service benefits may be available to NHS employees. But how much you get may depend on how long you worked there and how much you put into your pension.

Private life insurance is an option for some people who want further financial security for their families and loved ones.

Please get in touch with one of our life insurance experts to find the right policy and coverage for you and your family.

What discounts can you get with a Blue Light Card?

Blue light card holders receive discounts from national retailers to local businesses on holidays, cars, days out, fashion, gifts, insurance, phones, and more!

These discounts are created to recognise and reward the efforts of those working in the NHS, across emergency services, social care, and the armed forces, amongst many other professions.

A complete list of discounts and offers can be found at bluelightcard.co.uk

What is a blue life card?

Discounts with a Blue Light Card are available online and in-person for those working for the NHS, emergency services, social care sector, or the armed forces. It can be used in countless eateries, stores, and venues.

What are the benefits of the blue card?

With a Blue Light Card, you can save money at the grocery store, shop online and in-person, dine out, and get free admission to popular events across the UK.

At The Insurance Surgery, we offer an exclusive £150 voucher on life insurance, critical illness plans and income protection policies for eligible blue light card holders.

Discounts have been set up specifically for emergency services personnel, NHS employees, social workers, and many other qualified workers; they are unavailable to the general public.

Do blue light workers need life insurance?

Almost everyone can get life insurance, no matter what they do for a living. It gives money to your family if you die or are told you have a disease that will kill you soon. Many blue light workers, such as NHS staff, social care staff, emergency workers and members of the armed forces, are likely to be eligible for death-in-service benefits. But how much you get might depend on how long you worked there. A private life insurance policy can pay out on top of any death in service benefits from your employer, giving you more financial security.

Do you need income protection if you work for the NHS?

Usually, income protection protects your salary if you can’t work because you’re sick or hurt. Most plans that protect your income will cover between 50 and 70% of your monthly salary.

Agenda for Change put in place a policy that gives people who work for the NHS an ongoing salary if they get sick. Six months of full pay, then six months of half pay, would be the most you could get. But that depends on how long you’ve been working for the NHS.

If you don’t know your eligibility for the NHS occupational sick pay scheme, you might want to take out an income protection plan to protect your finances. Salary protection insurance could pay out until you retire or until the end of the policy term if you are signed off from work indefinitely.

How can I protect my income if I'm off sick for more than six months?

UK statutory sick pay offers up to £109.40 per week for up to 28 weeks. Many employers will offer more than that if they have an occupational sick pay policy. Income protection is a good insurance plan for people who want to be sure that their money will be safe if they get ill or hurt and can’t work.

Most income protection plans will pay you between 50 and 70% of your salary each month until your doctor says you are healthy enough to go back to work. If you can’t go back to work, your income protection plan will keep sending you money until you retire or until your policy ends.

How much life insurance should I have if I work for the NHS?

If you work for the NHS, you might be able to get death-in-service benefits. But how much you get may depend on how long you worked there as well as how much you put into your pension.

Some people choose to take out a personal life insurance plan. This will keep you and your family safer and give them more money security.

When picking a private life insurance policy, you should think about how much money your family would need to keep living the way they do now. Do you want a policy that covers you for your whole life or just for a certain number of years? You can even choose if you want the money all at once or on a set schedule.

Please talk to one of our trained life insurance experts so they can help you find the right policy and the right amount of coverage for you and your family.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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Life Insurance for Blue light card holders

Life insurance for blue light cardholders

What does blue light life insurance cover?

It can add to any death-in-service or pension benefits already paid out.

A lump sum can be used to maintain a standard of living for your family for the foreseeable future. For example, it can help to pay your rent or mortgage or even contribute towards funeral costs.

You can have peace of mind that your family will be taken care of financially.

You can protect yourself with critical illness plans and income protection plans simultaneously.

You can choose to allocate a certain amount of money to leave to your family as an inheritance.

Any life insurance payout will be tax-free.

Proudly supporting blue light card holders

Severity of the condition

When you were first diagnosed with coarctation of the aorta

Your age

Whether your coarctation of the aorta has been treated surgically

Medications currently being taken

Family medical history

Whether you smoke

Any other related health complications such as heart disease

Critical Illness Cover

Blue light card income protection

How does blue light income protection work?

Why buy blue light income protection insurance from us?

Why choose us for your blue light life insurance?

Are blue light workers considered high-risk occupations?

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies