Being declined for life insurance can be unsettling — and frustrating — especially if you don’t understand why it happened or what your options are. A decline does not automatically mean you can’t get life insurance. In many cases, it simply means the application wasn’t approached correctly or submitted to the right

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

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

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

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

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