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Personal Protection

Types of cover.

Protect what matters most.

Find a list of the different types of personal protection available to financially protect you and your loved ones in the event of illness, injury or death.

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Life Insurance

The best way to make sure that your family is covered!

One of the most cost-effective and efficient ways to ensure that your family and their financial future is covered.

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Pays out a Tax-Free cash lump sum or income to your family

Can provide cover during retirement or for shorter terms

Allows you to tailor the cover to suit your families needs

96.9% of claims paid to 53,105 individuals & families in 2022

Critical Illness Cover

Provides vital cover and financial security for your family if you are diagnosed with a critical illness.

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Pays out a Tax-Free cash sum to your family

Can offer an extremely comprehensive level of cover

Provides cover against all major and a variety of other conditions

63.8% of claims were for cancer in 2022

Whole of Life

A Tax-efficient and cost-effective means of providing cover for IHT planning and Legacy planning

The latest Whole of Life policies can be some of the most cost-effective ways to invest money for your children’s future.

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Guaranteed payout on death

Pays out a Tax-Free lump sum to your family

Extremely efficient savings vehicle

35% of the UK population had a life insurance policy in 2023

Income Protection

An extremely important type of cover for anyone that earns an income.

One of the most undervalued types of personal protection available and one of the most important! Provides vital financial relief if you are unable to work due to illness or injury.

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Can cover up to 70% of your pre-Tax income

Can be taken out on a short term or long term basis

Helps to pay mortgage payments, outgoings and medical expenses

Policies sold in 2023 increased by 16%

Price Promise.

As an award-winning specialist Insurance Broker for those with medical conditions, high-risk occupations or participating in extreme sports we will never be beaten on price.

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Existing Medical Conditions.

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Pre-existing conditions - Speak to the experts

We aim to offer life insurance and travel insurance to cover you and your family regardless of your circumstances and medical history. We help hundreds of people and families every month to obtain cover who may otherwise have struggled or even been declined.

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What if I have been declined in the past?

If you have a pre-existing medical condition or are classed as non-standard risk by insurers then it is important to speak to a specialist. Our team of experts deal with non-standard risks daily and are far better equipped to help those individuals that need our services.

How does having a pre-existing condition affect life insurance?

There is a range of factors that need to be considered when looking at life insurance for non-standard risks, such as: age, severity, diagnosis, treatment/medication, complications etc. This determines which provider we would approach for your cover and only an expert has the level of knowledge required to make that decision effectively.

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Our Services.

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
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Call us on 0800 083 2829
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Copyright © 2025 The Insurance Surgery Ltd. The Insurance Surgery is authorised and regulated by The Financial Conduct Authority. We are entered on the Financial Services Register No 401425 at https://www.fca.org.uk Registered in England and Wales. No 5137288. Registered and trading from 2nd Floor, Pickford Street Mill, Pickford Street, Macclesfield, SK11 6JD The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

Price promise terms & conditions: Please read our price promise terms and conditions which will tell you more about our promise.