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Types of Cover

If it's worth something then it's worth protecting it!

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Family Cover

Types Of Cover

If it’s worth something, then it’s worth protecting.

The things that mean the most are the things that we should protect… priceless! There is a type of cover for every eventuality so make sure that you make the best choices for your family.

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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.

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

3.4 billion paid out in claims to 128,500 individuals or families in 2015

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Critical Illness Cover

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

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

92% of Critical Illness claims paid out in 2015

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Whole of Life

Extremely 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.

Guaranteed payout on death

Pays out a Tax-Free lump sum to your family

Extremely efficient savings vehicle

One of the most cost effective and safest ways to provide a legacy / IHT planning

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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.

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

Only 10% of families in the UK have Income Protection cover in place

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Existing Conditions


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.


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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For more information about your condition, occupation or sport search here:

Life Insurance

We compare Life Insurance quotes from leading insurance providers to find the best cover for you to protect your family or your business

Medical Conditions

For anyone living with a pre-existing medical condition or who has suffered a medical problem in the past, life insurance underwriters will want to know about it to be able to assess your application.

Dangerous Occupations

People who have an occupation that is classed as hazardous or dangerous will generally find that Life Insurance providers will want to know more information about their job. Underwriters when assessing life insurance for dangerous or hazardous occupations will need to know what risks are involved and that could mean that your premiums reflect those increased risks.

Extreme Sports

People who take part in Extreme Sports or Professional / Semi-Professional Sports People know that it can be difficult to obtain Life Insurance, Critical Illness Cover or Income Protection. The increased risks relating to some sports or hobbies mean that life insurance providers will incur rating or special terms depending on the level of involvement or severity.

Income Protection

If you work and have an income then this is definitely something you should consider. Most people don’t consider what would happen if they were unable to work due to sickness, accident or a disability.

Private Medical Insurance

A private health insurance policy is not meant to replace the NHS but to work alongside providing benefits. Some private medical insurance policies will also pay you a cash benefit when you choose NHS instead of having private treatment.

Travel Insurance

Providing great value Travel Insurance for people with Pre-existing Medical Conditions, Extreme Sports and for Over 65’s. Get an instant quote now

Existing Customers

As an existing client of The Insurance Surgery, we like to make sure that we continue to look after your needs. We have devised a number of services to ensure that your family and your future are protected.

Free Insurance Advice

Our team of experts will help you to find the best cover for you, to protect you, your family or even your business and we aim to save you money as well. We specialise in high-risk people with pre-existing medical conditions, a hazardous occupation or an extreme hobby, and we never shy away from a challenge.


Retirement Options available through The Insurance Surgery The Insurance Surgery are working hard to bring you a range of options to take when you get to your well earned retirement. Choose from our products to find out more.

Specialist Insurance

Here at The Insurance Surgery we are passionate about protecting families and have been helping high-risk clients get covered since 1999. Our team of expert advisors will help you to find the best cover for you, so that you can have peace of mind that your family will be financially protected in the event of your death.

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Search All A-Z

A to Z lists of the Medical Conditions, Dangerous Occupations And Extreme Sports. Click the link to find out more.

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