Are you struggling to find protection for your clients?
IFA Referral centre | Referral process | Partnership centre
When to Signpost To A Specialist.
If you can’t find suitable or affordable cover for your client, don’t miss an opportunity to retain them while still earning a highly competitive commission – with no claw-back.
As a specialist life and protection broker, we obtain cover for clients that live with mild to severe medical conditions or who have a dangerous occupation. With over 20 years of experience, we know where to place customers for affordable life insurance solutions. However, it’s not just knowing where to place the client for the most suitable cover. It’s having the resource to wait months or years to complete an application. Clients with medical conditions normally require more time to process the application and will often need negotiations with underwriters. We take this all into consideration and plan accordingly, offering to support the customer with GP follow-ups and regular check-ins. Our team are friendly, approachable and will always work by The Insurance Surgery’s values:
70% of customers who are declined elsewhere get accepted through us.
A specialist broker can support you with your workload.
We will deal directly with your clients, which will allow you to focus on other important priorities. You can feel comfortable knowing that they are in excellent hands – as we are highly regarded by our customers on all major review platforms, such as Trustpilot, Feefo and Smart Money People.
The Insurance Surgery cover over 130 medical conditions, and this is increasing each year. We also have exclusive access to a range of Mental Health products that are not available to the whole market. Making us only 1 of 4 brokers in the UK to provide these specialist mental health products. This allows us to competitively source affordable cover for people with Mental Health disorders.
We provided a few examples of medical conditions that we have successfully obtained cover for (please note this list is not exhaustive):
- Type 1 diabetes
- Type 2 diabetes
- Breast cancer
- Heart attack
- Severe MS
- Kidney transplant
- Hodgkins lymphoma / non-Hodgkins lymphoma, Chiari malformation
- Suicidal attempts & thoughts
- Plus more…
We don’t just cover medical conditions; we also obtain cover for people with dangerous occupations and or who take part in extreme sports. As specialist protection experts, we are fully equipped to help people in the police force, army or in construction find affordable protection cover.
The benefits of using The Insurance Surgery.
- Support with consumer duty demands for fairer advice for people with specific needs
- Ensure that your clients are given the right advice by understanding their specific needs
- Help clients to compare policies from different insurers to find the best policy for them
- Provide advice on the best ways to save money on life insurance
- Give guidance on the added benefits of a policy
- We understand the legal and regulatory requirements for providing life & protection advice
- Follow best practices for managing your clients’ information and data
- Transparent and honest with clients on the support we can provide
IFA’s & Financial Advisers – Contact us today.
If you would like to refer a client to a trusted specialist broker, simply complete the IFA referral form.
25% of commission paid to you after completion
Over 20 Years Experience
Over 20 years experience helping high-risk customers
Weekly Customer Insights
Weekly MI on your customers
Dedicated advisor for your customers and you