Author: Andy Mellor
Andy Mellor brings over two decades of experience in the insurance industry to his role at The Insurance Surgery. Since joining the company in 2022, Andy has made remarkable growth and success. Under his leadership, The Insurance Surgery achieved unprecedented milestones, including a record-breaking year in 2023. Andy's dedication to innovation and commitment to excellence have earned the company numerous awards and doubled its partnerships. With a passion for customer satisfaction and a talent for strategic thinking, Andy Mellor continues to drive The Insurance Surgery forward as a trusted leader in the life insurance sector.
Articles written by Andy Mellor
Does life insurance cover suicide?
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When an individual’s family claims life insurance, few topics are as sensitive and complex as those surrounding suicides. Contrary to a straightforward “yes” or “no” response, the handling of suicidal death claims in the UK can be complex and subject to various factors. One crucial aspect that shapes the outcome
Is life insurance inheritance taxable?
Is life insurance inheritance taxable?
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Understanding what life insurance is can bring about a host of questions, especially regarding taxes and how they may affect your policy’s payout. It’s essential to know the ins and outs of life insurance taxation to ensure that your loved ones receive the intended financial support without unexpected deductions. Life
How to choose life insurance.
How to choose life insurance.
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Life insurance is one of those topics that many of us prefer not to dwell on too much. However, ensuring that you have the right policy in place is a crucial aspect of financial planning. By overlooking life insurance, you leave your family at risk of becoming vulnerable to financial
Does private health insurance cover cancer?
Does private health insurance cover cancer?
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Private Medical Insurance (PMI) can offer valuable peace of mind, particularly for those facing health challenges like cancer. However, it’s essential to recognise that not all policies are created equal, and understanding the terms and conditions of your specific policy is crucial to making sure you have the cover you
Can you have more than one life insurance policy?
Can you have more than one life insurance policy?
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When you take out a mortgage or other significant financial arrangements are made, financial advisers may refer you to an insurance broker to consider life insurance. If this is the case, but you already have a policy in place, you might wonder whether it’s possible to amend or add to
HIV & Income Protection – Case Study
HIV & Income Protection – Case Study
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Name: Edward Age: 34 Occupation: Graphic Designer – Freelance Health Condition: HIV Edward, a talented graphic designer has been living with HIV for a number of years and has effectively managed his health condition through medical treatment and a healthy lifestyle. Edward’s initial efforts to obtain income protection cover were
What is an Index-linked Policy and is it Different to Standard Life Insurance?
What is an Index-linked Policy and is it Different to Standard Life Insurance?
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An index-linked policy is a type of life insurance that is linked to the performance of a specific financial index, such as the Consumer Price Index (CPI) or the S&P 500. The value of the policy is tied to the performance of the index, and typically increases or decreases in line with
BHF Dechox and Heart Disease Life Insurance
BHF Dechox and Heart Disease Life Insurance
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As we look towards March, and finally see the nights get a little lighter, the sun making an appearance more frequently and the supermarket shelves filling with Easter Eggs, there’s one thing on the mind of those raising money for the British Heart Foundation – and that is Dechox month.
Stroke – Case Study
Stroke – Case Study
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Jane was a healthy, vibrant 52-year-old when she suffered a stroke. After months of rehabilitation and therapy, she was almost back to feeling herself. The stroke left her with a high risk of stroke recurrence. Jane realised that your life can be turned upside down in a second, so she wanted to
Parkinson’s Disease – Case Study
Parkinson’s Disease – Case Study
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Adam was diagnosed with Parkinson’s at the age of 26. At 26 years old, life was just starting to take shape for Adam. He had a great job, loving wife and beautiful daughter – with lots of plans for the future. But that all changed one day when he was