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Life Insurance

Protect the financial security of your loved ones after your passing when you find the perfect life insurance policy for you with The Insurance Surgery.

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What Is Life Insurance?

Life insurance promises a breadth of financial security and support for you and your family. It can be an important tool for protecting your family’s future and providing them with financial peace of mind during difficult times. 

In exchange for regular/monthly premium payments, your insurer agrees to pay out a lump sum of money, known as the death benefit, to your beneficiaries upon your passing or if your doctor has given you 12 months or less to live. At The Insurance Surgery, we work to support you in finding the life insurance policy that best matches your circumstances at affordable prices. 

How Will Life Insurance Benefit You?

Life insurance can help your family cover various expenses such as mortgage payments, outstanding debts, education costs, funeral expenses, and everyday living expenses.

The decision to purchase a policy should be based on your individual needs, financial situation, and long-term goals. Consulting with an adviser can help determine whether life insurance is right for you.

Mortgage

Pay off the outstanding mortgage.

Debts

Clear any debts that you may leave behind.

Gift

Leave a gift for family or a charity.

Education

Leave a sum for your family to enjoy education and hobbies.

Income

Replace a spouse’s income with the support of a lump sum.

Funeral

Cover funeral costs and relieve the pressure from your family.

You should consider life insurance if you have…

Dependants, like school-age children.

A partner who relies on your income.

A family living in a mortgaged or rented home.

In the event of your passing, a life insurance policy can provide financial support for your loved ones. You could also consider funeral cover, which pays for funeral expenses – easing the burden on your family during a difficult time.

However, you should check if you’re already covered through your employer’s benefits package, which often includes ‘death in service benefits’ linked to your salary. If so, you might not require an additional policy, BUT keep in mind that leaving your job or being made redundant could leave you without any cover!

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  • 15 Minute Read Time

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Read More

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.
Read More

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Life Insurance Costs

Your life insurance quote can depend on a wide range of circumstances, including factors like:

Your age

Your lifestyle

Your family’s medical history

Smoker Status

The length of your policy

Your occupation

Medical conditions

For a clearer idea of the average cost of life insurance, visit our Guide.

Life insurance cost, case study.

James is looking for life insurance to cover his mortgage and to give a lump sum to his wife and two children. James had a stroke ten years ago but doesn’t suffer from any symptoms.
We found James the increasing policy below:

Total Cover
Amount:

£750,000

Monthly Premium
Cost:

£41.57

Duration of
Policy:

Until age 70

Untitled design (70)
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How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

30%

of people get life insurance due to becoming a parents

Forbes Advisor, 2025

What Are the Different Types of Life Insurance Policies?

A term life insurance policy...

Term life insurance policy covers a specified duration, such as 10, 20, or 30 years. Should the insured individual pass away during this period, the policy pays a lump sum to their designated beneficiaries.
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Whole-of-Life Insurance.

Whole-of-life insurance covers a person’s entire lifespan, provided premiums are consistently paid. It delivers a lump sum to beneficiaries upon the insured’s death.
Find Out More

Over 50s Life Insurance.

Over 50s life insurance guarantees acceptance without a medical report. With lower cover amounts and fixed premiums, it is used to cover funeral costs or leave a modest inheritance.
Find Out More

How different policies payout over time.

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Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

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  • 15 Minute Read Time

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.  

Read More
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Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Do you need life insurance for a mortgage?
No, when it comes to getting a mortgage in the UK, having life insurance is by no means a necessity. It is a time, however, when many people begin to look into life insurance quotes to protect their family’s financial security. Whilst majority do not, you may find that some mortgage lenders do stipulate that life insurance is required.
Your personal life insurance needs are completely unique to your circumstances. For a clearer idea of your life insurance needs, get a quote from one of our experts or submit your information into our Life Insurance Calculator.
Yes, you are able to have more than one ongoing life insurance policy. If you have doubts about your previous policy, however, and are looking for an updated one please speak to a member of our team – we can look at your current policy details and compare them to newer quotes.
If we can find you a better life insurance deal that offers better cover, or lower premiums we will make our recommendations. We will only ever suggest a switch to a new life insurance provider if we think that it is the right option for you.
Yes, you can take out life insurance when you’re pregnant. In fact, starting a new family is one of the main reasons that people consider life insurance.
Most life insurance payouts are not taxed in the UK. You may, however, have to consider inheritance tax following the passing of a loved one.
There is no correct age to begin considering life insurance. Everyone has their own needs and reasons when it comes to life insurance. Life insurance tends to be cheaper the younger you are, but most people begin to seek out life insurance quotes when they have a long-term partner, children, or a home.

Life insurance is unique – just like you.

Life Insurance for Parents

Find Out More

Life Insurance for Dads

Find Out More

Life Insurance for Sports & Hobbies​

Find Out More

Life Insurance for Self-Employed

Find Out More

Income Protection

Find Out More

Life Insurance for Smokers

Find Out More

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.
View more
  • 29 April 2025

Does Life Insurance Cover Suicide

Does life insurance pay out for a suicidal death? Yes, life insurance can pay out…
Continue Reading
  • 28 April 2025

A Guide to Index Linking

What Is Index Linking? Index linking in life insurance (also known as inflation-linked life insurance)…
Continue Reading
  • 9 April 2025

Benefits of Whole of Life Insurance vs Term Insurance: Which Is Best for You?

Understanding the difference between whole of life insurance and term life insurance can seem like…
Continue Reading
  • 21 February 2025

Do Young Mums Need Life Insurance?

Being a mum is an incredible journey—full of giggles, late-night cuddles, and the occasional toddler…
Continue Reading
  • 29 April 2025

Does Life Insurance Cover Suicide

Does life insurance pay out for a suicidal death? Yes, life insurance can pay out…
Continue Reading
  • 28 April 2025

A Guide to Index Linking

What Is Index Linking? Index linking in life insurance (also known as inflation-linked life insurance)…
Continue Reading
  • 9 April 2025

Benefits of Whole of Life Insurance vs Term Insurance: Which Is Best for You?

Understanding the difference between whole of life insurance and term life insurance can seem like…
Continue Reading
  • 21 February 2025

Do Young Mums Need Life Insurance?

Being a mum is an incredible journey—full of giggles, late-night cuddles, and the occasional toddler…
Continue Reading

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829
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Copyright © 2025 The Insurance Surgery Ltd. The Insurance Surgery is authorised and regulated by The Financial Conduct Authority. We are entered on the Financial Services Register No 401425 at https://www.fca.org.uk Registered in England and Wales. No 5137288. Registered and trading from 2nd Floor, Pickford Street Mill, Pickford Street, Macclesfield, SK11 6JD The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

Price promise terms & conditions: Please read our price promise terms and conditions which will tell you more about our promise.