Protection Insurance After a Stroke in the UK 2026
If you’re wondering if you can still get protection insurance after a stroke or a mini-stroke (TIA) in the UK, then the short answer is usually yes, but the type of cover, the terms and the price all depend on what kind of stroke you had, when you had it, and how well you recovered. […]
How Underwriting Affects UK Protection Insurance Options
The short answer: Underwriting is how an insurer assesses your health and lifestyle to decide whether to offer you cover, and on what terms. If you have a pre-existing medical condition, underwriting usually leads to one of five outcomes; standard terms, a higher premium, an exclusion for the related condition, a postponed decision, or a […]
Life Insurance and Inheritance Tax Planning: Protection Options to Consider
Inheritance tax can be a major concern for people who want to pass on their wealth, property or savings to loved ones. As house prices, pensions, investments and other assets grow, more families are finding that their estate could face an inheritance tax bill when they die. The good news is that there are ways […]
Farmers and Inheritance Tax: How Life Insurance Can Help Protect the Family Farm
Inheritance tax is a growing concern for many UK farmers and farming families. Family farms are often valuable because of land, property, machinery, livestock and business assets, but many farms do not hold large amounts of spare cash. This can create a serious problem. If inheritance tax becomes payable, the next generation may need to […]
Best Life Insurance Companies UK 2026
Choosing the best life insurance company in the UK can feel confusing. There are many well-known providers, various policy types, and a wide range of prices, features, and underwriting rules. The truth is that there is no single “best” life insurance provider for everyone. The right company depends on your age, health, lifestyle, occupation, budget, […]
Vaping & Life Insurance – 2026 Guide
Vaping has grown rapidly in popularity across the UK over the past decade. Many people have switched from cigarettes to e-cigarettes believing they are a healthier alternative. However, when it comes to life insurance, vaping can still affect how insurers assess your application. If you vape regularly, you may be wondering: Will insurers classify me […]
How Much Life Insurance Do I Need? A Practical UK Guide
One of the most common questions people ask before taking out cover is: how much life insurance do I need? The answer depends entirely on your personal situation — including your income, mortgage, debts and whether anyone relies on you financially. Choosing the right amount ensures your loved ones are financially secure without you overpaying […]
Life Insurance Declined? What to do next
Life Insurance Declined? What To Do Next Being declined for life insurance can feel frustrating, confusing and even sometimes worrying, especially if you’re not sure why it happened or what your next step should be. The most important thing to understand is, a decline does not mean you can’t get life insurance. In many cases, […]
Life Insurance with Pre-Existing Medical Conditions Guide
Expert UK Advice from Whole-of-Market Brokers Getting life insurance when you have a medical condition can feel daunting — especially if you’ve already been declined or told cover will be expensive. At The Insurance Surgery, we specialise in helping people secure life insurance where standard routes fall short. Our advisers work with the whole of […]
Do I Need Life Insurance for a Mortgage?
Do I Need Life Insurance for a Mortgage? If you’re taking out a mortgage in the UK, one of the most common questions you’ll encounter is: “Do I need life insurance for a mortgage?” The short answer is no – it’s not legally required. However, for most homeowners, life insurance is one of the most […]