Life Insurance Archives

The Hidden Commission Scandal in Car Finance: A Cautionary Tale for Life Insurance Brokers

2 months ago in

In early 2024, the Financial Conduct Authority (FCA) exposed widespread concerns about undisclosed commissions in UK car finance agreements, particularly discretionary commission arrangements (DCAs) where brokers were incentivised to push customers towards higher-cost deals for bigger kickbacks. This scandal resulted in consumer redress schemes and regulatory crackdowns across the motor

A Complete Guide to Financial Gifts in the UK (2025)

3 months ago in

Your Guide to Inheritance Tax and Gifting At The Insurance Surgery, we understand that planning for the future can be complex, especially when it comes to Inheritance Tax. That’s why we’ve created this straightforward guide to help you understand how gifting works and how to protect your loved ones from

Does Life Insurance Cover Suicide

5 months ago in

Does life insurance pay out for a suicidal death? Yes, life insurance can pay out for suicide in the UK, but some specific conditions and timeframes apply. Understanding these terms is important when choosing or reviewing a life insurance policy. What is the suicide clause in life insurance? Most UK

A Guide to Index Linking

5 months ago in

What Is Index Linking? Index linking in life insurance (also known as inflation-linked life insurance) is a feature that helps your policy payout increase over time to keep up with inflation. This ensures that the money paid to your loved ones after your death doesn’t lose value due to rising

benefits of whole life insurance vs term

Benefits of Whole of Life Insurance vs Term Insurance: Which Is Best for You?

5 months ago in

Understanding the difference between whole of life insurance and term life insurance can seem like a daunting task. Pros and Cons of term vs whole life insurance Both types of life insurance offer financial protection, but they can serve different needs. Here’s a clear comparison to help you decide which

Do Young Mums Need Life Insurance?

7 months ago in

Being a mum is an incredible journey—full of giggles, late-night cuddles, and the occasional toddler tantrum. But alongside all the joy, there’s a deep responsibility to protect and provide for your little one, no matter what. Have you ever thought about what would happen if you weren’t there? It’s not

Understanding Inheritance Tax (IHT) and Life Insurance

7 months ago in

Inheritance Tax (IHT) is a tax levied on the transfer of wealth after someone passes away. It applies to the total value of an individual’s estate, which includes all their money, property, and possessions. Understanding how IHT works and the ways to mitigate its impact can help you plan and

Is Over 50s Life Insurance Worth It?

8 months ago in

Over 50s life cover works slightly differently from regular life insurance. The main criteria are that you must be aged between 50 and 85 to qualify. Cover is available up to the amount of £40,0000; this is to cover funeral costs and to provide a lump sum to your family.

Can You Take Money Out of Whole Life Insurance

8 months ago in

Whole of Life (WOL) insurance policies are a popular choice for people looking to ensure a guaranteed payout to their loved ones upon their death. But one of the most common questions surrounding these policies is: “can you access the funds during your lifetime?” Here’s everything you need to know

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The Hidden Commission Scandal in Car Finance: A Cautionary Tale for Life Insurance Brokers

A Complete Guide to Financial Gifts in the UK (2025)

Does Life Insurance Cover Suicide

A Guide to Index Linking

Benefits of Whole of Life Insurance vs Term Insurance: Which Is Best for You?

Do Young Mums Need Life Insurance?

Understanding Inheritance Tax (IHT) and Life Insurance

Is Over 50s Life Insurance Worth It?

Can You Take Money Out of Whole Life Insurance

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