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Life is precious...!

We're the experts so let us do the hard work
Making life insurance and travel insurance
affordable for everyone...

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Types of Cover

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

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.

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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


Speech Bubble - Claims Paid in 2015


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


Speech Bubble - Critical Illness

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

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Speech Bubble - Whole of Life - Legacy / IHT Planning


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.

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Speech Bubble - Income Protection

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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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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



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



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


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