Can you have more than one life insurance policy?
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 your life insurance cover to […]
HIV & Income Protection – Case Study
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 met with disappointment, as conventional […]
Stroke – Case Study
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 protect her family if the […]
Parkinson’s Disease – Case Study
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 diagnosed with Parkinson’s disease. It […]
What is an Index-linked Policy and is it Different to Standard Life Insurance?
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 this. The monthly premium for […]
High BMI, Migraines and Idiopathic Inter-cranial Hypertension – Case Study
Sarah was declined life Insurance before finding the Insurance Surgery. Background: Sarah is 40 years old, in her own words “my world consists of my husband and 3 beautiful children”. Life was great for the family, until Sarah’s mother got ill earlier this year. This brought home to Sarah the reality of her own mortality, […]
Idiopathic Angioedema – Case Study
Never Give Up, No Matter How Long It Takes. Rebecca was looking to buy her first home with her partner in 2020. To protect her partner, Rebecca wanted to get a life insurance policy in place. So, the online search began! Rebecca has an immune condition called Idiopathic Angioedema. This can trigger a severe allergic reaction […]
Type 2 Diabetes & Life Insurance – Case Study
Daniel was Diagnosed with Type 2 Diabetes at 53. At 53 Daniel was diagnosed with Type 2 Diabetes, due to his job as a bus driver Daniel found it hard to stay active and his BMI had increased over the years. In 2021 as soon as Daniel was diagnosed he contacted the Insurance Surgery and […]
Mental Health & Life Insurance – Case Study
[vc_row][vc_column][vc_column_text] Amy’s Journey to Obtaining Life Insurance. Mental health life insurance is becoming a critical aspect of life insurance and at the Insurance Surgery, we have exclusive access to specialised mental health insurance products, ensuring that our clients receive affordable and comprehensive life insurance cover. Amy is a 35-year-old mother of two who has overcome […]
How to gain mental and financial resilience this winter
Christmas is fast approaching… For many of us, it signifies excitement, joy, family connection, love, and kindness. However, despite the delight that the festive season brings to many, not everyone shares the ebullience that it brings. In fact, Christmas can be a notoriously burdensome time, particularly if you have difficulties with mental health. To some, […]