When it comes to insurance policies, life insurance is surprisingly straight-forward to understand. Simply put, you pay in a premium every month, and when you pass away, your loved ones will receive a financial pay out.
But life insurance has developed an unfair reputation for being difficult to understand, and hard to arrange.
We want to change that.
We’re on a mission to help you protect your loved ones even after you’re gone.
As independent life insurance brokers, we work with insurers across the UK, helping people like you secure suitable policies. Whether you’re just starting a family, have a pre-existing health condition, work in a high-risk job or simply want peace of mind that your funeral bills will be taken care of, we are here to help.
If you have any questions about what life insurance is or how it works, we want you to pick up the phone and give us a call. You could even ask us a question through our live chat. We promise, no question is ever too big or small – we’ll take as much time as you need to understand how life insurance can protect your family.
If you’re starting your life insurance journey, you might not be quite ready to get in touch yet.
We get it.
You want to do your research first before picking up the phone.
That’s absolutely fine – some people prefer to talk to us directly, others prefer to read information at their own pace.
We’re exactly the same.
That’s why we’ve created a selection of life insurance guides, so you have all the information you need in one handy place. We’re breaking down the barriers to life insurance and making it as easy as possible for you to figure out what you’re looking for, and how it could help your family.
Our life insurance guidance is designed to give you a good idea of what policies are available, and how they work. You can read them in your own time, and if you have questions, feel free to get in touch. We can give you a life insurance quote over the phone, or we can talk to you in more detail.
We promise, you’ll never feel pressured to take out a policy.
But when you are ready, we’ll be here waiting to take your call.
Discover the difference between different types of life insurance cover. We’ll identify the pros and cons, and help you figure out what could be best for you.
Read MoreAlready have a policy in place? Great! But when was the last time you reviewed it? Find out why it’s important to regularly review your life insurance to check it’s still the right policy for your family.
Read MoreYou may have a couple of quotes, but are they truly comparable? We explain how you can compare life insurance quotes to check which option is right for you.
Read MoreBuying your first house is an amazing moment. It’s probably also the first time you’ve ever considered life insurance. Find out why mortgages and life insurance are often linked together.
Read MoreGet FREE guidance from our team of experts.
Here is some of our team who are available to give you guidance on the correct policy for you, no matter what age you’re or your health condition. Our team of experts are a call away. In our guides we have ensured that we answer all your questions you may have about life insurance, these answers have been written by our team of specialist life insurance advisors who are helping people like yourself get the best life insurance policy for your circumstances.
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There is hundreds of Pre-existing medical conditions and at the Insurance Surgery, We understand that people with a health condition may find it challenging when looking for insurance however we have complied some guides to help you along the way to financial security.
Here are some points to take into account when searching for life insurance with a health condition.
Some of the main examples of Life insurance for Pre-existing medical conditions include
Do you have questions about life insurance and want to understand more about its benefits, our team of expert advisers are always at hand to answer your FAQ’s
We’re award winning insurance experts located in the heart of cheshire, England. If you wish to speak to someone on the phone call us today on 0800 083 2829 or contact us via email by clicking here.
Yes you can. You may decide that you want more than one policy to cover different parts of your life – perhaps a mortgage life insurance to pay off your home, but a separate policy to ensure an inheritance for your kids. There are no limits to how many life insurance policies you have – as long as you’re keeping up with the premiums, you will be covered.
But paying out for multiple policies could mean that you’re overpaying and overinsuring yourself. Why not review your life insurance policy each year to check you have the right cover for you? Plans can be easily adjusted to change with your life, allowing you to simplify your finances while still maximising your protection.
If you’re working for a large employer such as the NHS, you may be eligible for death-in-service benefits. These provide your family with a payout if you were to pass away while an active employee. Death in service benefits are highly useful but they aren’t a substitute for life insurance. You’ll only be eligible for a payout if you are still currently working for the company. It might also limit the potential payout based on how much you had contributed towards your company pension scheme.
In contrast, you will be in complete control over your life insurance payout as it offers a greater level of flexibility. Not only can you decide the length of your policy term, but it will be there for reassurance long after you’ve reached retirement age.
Term life insurance policies are often cheaper because they are for a specific time period. Typically, people choose to take out 30- or 40-year term policies, which allow them security that their mortgage would be paid off, or their children will be taken care of.
When a term policy reaches the end of its term, the plan simply expires. You will only receive a payout if you pass away during the policy term. If you die after the insurance has ended, you will not receive any payout unless you’ve taken out a new life insurance policy.
We don’t ever want you to feel that help is not available. Thankfully, many insurers are now offering value-added services such as counselling support as part of their overall packages, allowing you easier access than ever to fast, instant support.
But while no one likes to talk about suicide, it is a valid question, and one that we are often asked.
Most life insurance policies will pay out for claims resulting from suicide, but there will be a suicidal death clause in place. This typically means that your policy will need to be active for at least one or two years, before the insurance will pay out for a death by suicide. The exclusionary period will vary according to different insurers.
The purpose of this clause is so that policyholders do not feel that there is a financial motivation to take their own life.
If you have experienced poor mental health, it’s important that you are honest with your insurer. Failing to declare a previous mental health issue could result in your claim being denied, which we know is the last thing that you want.
The good news is yes you can. Life insurance is widely available for people with a history of poor mental health.
The even better news is that many providers are now offering exclusive access to virtual GPs and counselling services as part of their overall package – so you can benefit from easy access to support.
Insurance companies know that everyone goes through ups and downs in their lives, and that mental health is a journey that lasts a lifetime. They know that health in the mind is just as important as health in the body.
Please don’t ever feel that your mental health makes it impossible for you to get a good life insurance plan.
Here at The Insurance Surgery, we work with insurers across the UK, many of whom specialise in life insurance for mental health. You might have a history of anxiety or depression or come from a family with a history of mental illness. Maybe you recently had a bad mental health episode or were told you have something more serious.
No matter what is happening, our expert team is here to support you, making it easier for you to say what you want in a mental health life plan.
Would recommend using this service
Tom has been incredibly helpful throughout the whole process of getting my life insurance set up. Very knowledgeable and absolutely ‘on it’ to get me the best product out there.
First Class Experience
Service was first class, Simon kept me informed at every step in the process.I would have no hesitation in dealing with him again.
Great, Quick Service
Dealt with Karl who could not have been more helpful. Made the whole process of getting life insurance far easier than other providers I had approached.
Fantastic!
Approved immediately. Process was so fast and a lot cheaper than I thought. Highly recommended.
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