Life Insurance is one of the most important financial decisions that anyone can make and gives you the financial freedom knowing that your family or business is protected. Most of us think that Life Insurance is far more expensive than it actually is and consider it to be unaffordable which is simply not the case for most people.
Most people think that Life Insurance is a simple product that is designed to protect either your mortgage or your family. The fact is that Life Insurance comes in many different shapes, sizes and flavours so can be tailored specifically to suit your individual circumstances and budget.
What is Life Insurance?
Life Insurance is a simple insurance product that is designed to protect your family or your business against financial loss. If you (your partner) were to pass away then your Life Insurance policy would pay out a Tax Free lump sum to ensure that they are financially secure. If we consider the worst and did not have Life Insurance cover in place, the financial implications could be disastrous.
There are a number of different types of Life Insurance which are designed to protect your family or business in the event of loss of an individual or income. Our team of expert advisers will explain how each product works and advise you on which product would be best for you and your needs.
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.)
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:
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.
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:
Life Insurance is underwritten in the same way as most insurance products and it is based on a number of risk factors, such as:
Sports / Hobbies
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:
Birth of a child
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.
How to Guides for Life Insurance
If you have any further questions about anything to do with Life Insurance and protection for your family, please feel free to contact our team of expert Life Insurance advisers.
Fantastic, professional service throughout the process. I would recommend these 100% . If ever you need anything insurance wise, please contact these guys. They will take the strain away and deliver great results
Mark Smith helped my partner and me get life insurance
Mark Smith helped my partner and me get life insurance, which was proving difficult with other insurance with pre medical conditions. He was prompt, kept us up to date and efficient. Thank you!
Sam and Ajay
Easy to deal with and cheaper than any other quote
They got me life insurance when other companies struggled
They got me life insurance companies when others couldn’t or struggled. Great to deal with. Highly Recommend.
Here at The Insurance Surgery we are often asked “is it possible to get life insurance when I have diabetes?”. The simple answer is YES,
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