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 […]
Can You Keep a Secret? Highlights Parkinson’s & Insurance Challenges — Support from The Insurance Surgery
BBC viewers are laughing along with Can You Keep a Secret?, the new sitcom starring Dawn French and Mark Heap that blends humour with heartfelt insight into life with Parkinson’s disease. While the show delivers plenty of laughs, it also highlights a very real and important issue: the difficulties people living with Parkinson’s can face […]
The Total Signposting Initiative: Why Brokers Should Refer Clients to The Insurance Surgery
The insurance industry has taken a significant step forward in improving access to cover with the launch of the Total Signposting Initiative, led by BIBA and supported by insurers, brokers, and consumer bodies. The initiative aims to ensure that customers who are unable to obtain insurance from a provider are not left without options — […]
Life Insurance Premiums: What’s Changed, What’s Next, and How to Choose the Right Cover
Life Insurance Premiums: What’s Changed, What’s Next, and How to Choose the Right Cover Life insurance plays a critical role in protecting your family’s financial security. Because it directly affects long-term finances, it’s important to understand how life insurance premiums are changing, what may influence costs in 2026, and how to choose cover responsibly. This […]
Why Income Protection Is More Important Than Ever in 2026
Why Income Protection Is More Important Than Ever in 2026 In 2026, financial security is no longer just about saving money or investing wisely – it’s about protecting your income, the very thing that pays for your lifestyle, your family, and your future. Income Protection insurance remains one of the most overlooked yet most valuable […]
Best UK Life Insurers for Paying Claims in 2025 – A Side-by-Side Comparison
Choosing life insurance isn’t only about price. The whole point is that—if the worst happens—the claim gets paid, quickly and fairly. Below, we compare the latest published claims results from five of the UK’s biggest players, pulling out what really matters to families at claim time. Quick comparison: life-insurance claims performance (latest full year) Insurer […]
Moneysworth Ltd No Longer Trading — The Insurance Surgery Steps In to Support Customers
Moneysworth Ltd No Longer Trading — The Insurance Surgery Steps In to Support Customers It is with sadness that we acknowledge the news that Moneysworth Ltd is no longer trading. For many years, Moneysworth Ltd provided valuable advice and specialist insurance services across the UK, earning a reputation for quality and integrity. While it’s always […]