Family Life Insurance

Most people with financial responsibility should consider some Life Insurance to make sure that their family / loved ones are protected. Some of the key financial commitments that trigger a need for Life Insurance are:

• Children (e.g. school fees, clothing, expenditure etc.)
• Mortgage(s)
• Rent
• Income
• Business costs
• Cost of living
• IHT liability / Legacy planning

Our team of expert advisers will help to guide you through the difficult decisions relating to your Life Insurance needs to make sure that you have the best cover for you.

The Insurance Surgery is also a leading life insurance expert for people with pre-existing medical conditions and we specialise in making sure that you get the best cover at the right price, regardless of your health. Our team of experts have a detailed knowledge of the underwriting process for all of the top insurance providers in the UK and we know which insurance provider will be the best to protect you and your family. We have been working with people with pre-existing medical conditions to find affordable life insurance and we have helped thousands of families to protect their financial future.

Some of the main pre-existing medical conditions that we work with are:

• Diabetes (Type 1 Diabetes / Type 2 Diabetes)
• Multiple Sclerosis
• Mental Health
• Heart Conditions
• Kidney Conditions
• Cancer
• HIV

We aim to offer some cover to everyone regardless of your medical history and over the years we have developed links with specialist insurers as well as main stream insurance providers.

Life Insurance for people who have a hazardous occupation or dangerous job, you may also find it can be difficult to get the right cover in place to protect your family or your business. The Insurance Surgery is also a life insurance specialist for people who have this type of occupation and we know which insurance providers would accept your application and we aim to save you money on your premiums. If you have been declined cover in the past or had cover accepted on special terms due to your occupation then we are here to help.

Some of the main occupations we work with are:

• Armed Forces
• Builders / Construction Workers
• Emergency Services (e.g. Police, Firefighters or Ambulance)
• Offshore Workers (e.g. Oil & Gas, Divers, Rig Workers etc.)
• Pilots
• Professional Sports

These are just a few examples of some of the professions that we work with and have helped people in these and other hazardous occupations.

Business Protection is another form of Life Insurance which is just as important as individual or family protection, however is generally less known about. For anyone who is either a company owner or director it is vital that you consider how to protect your business financially in the event of loss of an individual.

For more information about Business Protection and ways to cover your business in the event of loss of an individual, key person or director, visit our Business Protection section.

Some of the main Business Protection products that we offer include:

• Relevant Life Insurance
• Key Person
• Shareholder Protection
• Business Loan Protection

Life Insurance is underwritten in the same way as most insurance products and it is based on a number of risk factors, such as:

• Age
• Smoker status
• Health
• Occupation
• Sports / Hobbies
• Family History

The general rule is ‘the younger and healthier you are, the cheaper the premiums will be’ for the cover that you need. The fact is that most people wait until later in life to obtain cover, once they have a mortgage or have had children so have a genuine need for Life Insurance.

The other key point to consider with Life Insurance is that you should constantly review your cover to make sure that you have the right cover for you based on your needs at the time. Some of the key factors to consider when reviewing your Life Insurance are:

• Moving house
• Birth of a child
• Change jobs
• Stopping Smoking

The Insurance Surgery offers a FREE annual review service to all of our existing customers to ensure that you are constantly covered, now and in the future.