Compare Life Insurance quotes and ‘Save money’
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.
How much cover do I need?
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.
What are the different types of Life Insurance?
Click the links below to find out more about the different types of cover available and how they can suit your requirements:
Do I need 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.
Can I get Life Insurance with a pre-existing medical condition?
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.
Can I get Life Insurance if my job is dangerous?
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.
What about Life Insurance for my Business?
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:
When is the best time to buy Life Insurance?
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.
How often should I review my 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.
Independent Reviews at 
The Insurance Surgery - Life insurance review for Ian from Halstead
2 weeks ago
Insurance surgery were extremely helpful throughout the process. I dealt with Greg, he kept me informed and updated throughout and even more so when we hit a few set backs. I’ve got my insurance now a... read more
The Insurance Surgery - Life insurance review for Sirinya from Taunton
3 weeks ago
Very good, efficient and fast prompt service read more
The Insurance Surgery - Life insurance review for Ross from Isle Of Bute
3 weeks ago
They did everything they said they would, I struggled to get insurance for my condition but the Insurance Surgery made sure they found me the best possible deal available. read more
The Insurance Surgery - Life insurance review for Paul from Wallington
3 weeks ago
Excellent, so helpful no pressure just an amazing service read more
The Insurance Surgery - Life insurance review for Mohamed from Wigston
4 weeks ago
Josh at the insurance surgery was outstanding, couldn't do enough for me to get my health insurance sorted.well done !You deserve 5 stars, I wouldn't hesitate to recommend you to family and friends.Th... read more
The Insurance Surgery - Life insurance review for Vishnu
1 month ago
Good understanding of one's needs rather than pushy sales. read more
The Insurance Surgery - Life insurance review for Nathan from Swindon
1 month ago
They were very friendly and very helpful finding me a cover I was happy with. Great service, would definitely recommend. read more
The Insurance Surgery - Life insurance review for Gertrude from Birmingham
1 month ago
Prompt response and constant support throughout. read more
The Insurance Surgery - Life insurance review for Matthew
1 month ago
Very helpful, everything was done so quickly and the person I spoke to who sorted everything was amazing. read more
The Insurance Surgery - Life insurance review for Rebecca from Bishop'S Stortford
1 month ago
I was lucky to have Andy be my point of call for any queries and for all updates.Andy was very pleasant, he was always phoning for updates and reassurances and he was very professional.Andy was simply... read more
The Insurance Surgery - Life insurance review for Stefan from Mansfield
1 month ago
Really super service from start to finish. Greg was so helpful and sorted life insurance for myself and my husband. Thank you so much. read more
The Insurance Surgery - Life insurance review for Valerie from Falkirk
1 month ago
Very helpful indeed. Took away the hassle of shopping around. read more
The Insurance Surgery - Life insurance review for Alan
1 month ago
Great knowledge from Andrew Hellyer, I arranged for a call back and he called back when requested.Fits in with what I was looking for. read more
The Insurance Surgery - Life insurance review for Kwame
1 month ago
I found the service pretty easy to use and got the best deal on offer. They were also very helpful and attentive. read more
The Insurance Surgery - Life insurance review for Lee from Pontyclun
1 month ago
They found us the prefect product and were incredibly patient with our slow replies due to work commitments.Perfect product for our lifestyle. read more
The Insurance Surgery - Life insurance review for Alan from Harwich
1 month ago
organised my life insurance request in a very professional manner and actually saved me some money. read more
The Insurance Surgery - Life insurance review for Taiwo from London
1 month ago
I found a link to The insurance surgery on the Which website so I was looking for a company to deliver a good product, good customer service, no upselling, and no hard selling, The insurance surgery d... read more
How to guides to Life Insurance
Click the links below to find out more about the different types of cover available and how they can suit your requirements:
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.
Specialist and Free Advice from a team of experts
Speak to our team of experts to find out how much we can save you today...
Call 0800 083 2829
Monday to Thursday: 8:30am - 8:00pm Friday: 8:30am - 5:00pm
