Life Insurance Chester
Are you looking for a comprehensive life insurance policy?
As life insurance experts, we will find the right plan to protect you and your loved ones.
Why choose
The Insurance Surgery
- Voted Best life and protection broker 2022
- Rated 5* on Trustpilot and Feefo
- Access to high street and independent insurers
- 20 years’ experience & price match promise
Supporting Chester residents to find the right life insurance plans
If you’re looking for a life insurance policy, are you confident you know what you’re looking for?
We talk to people from Chester all the time who know they need life insurance but don’t know what they need to protect their families.
We get it.
It can be hard to understand life insurance. There’s no reason to know the difference between a whole-life policy and a term policy if you’ve never read a policy plan before. You might not know how much coverage you need or if any exclusions could change how much payout your family could receive.
Because of this, we give life insurance quotes over the phone instead of using online formulas.
We want you to know exactly what you’re getting when you buy an insurance policy from us.
You want to know that you and your family will be safe if something bad happens.
We want that too.
That’s why we’ll take as long as you need to answer your questions. We promise you’ll understand everything that you need to know. And if you or your family ever need to make a claim, we promise to do everything we can to make the process as easy as possible. We offer help, advice, and guidance to people who need to make a claim, from finding the right forms to confirming what your policy covers.
Offering a wide variety of insurance plans
We’ve been helping people in Chester determine what insurance plans they need for over 20 years.
People like you.
Whether you’re working as a doctor at Chester Hospital, a lion keeper at Chester Zoo, or you are bringing Roman history to life at the Deva Roman Discovery Centre, we can help you.
Are you looking for a policy for life insurance? You might want to get a critical illness plan because of your family’s health history, or you might want to protect your income for the rest of your career. We can help you find separate policies or plans that include everything you need.
Our advisors specialise in finding you and your loved ones the maximum protection possible.
Saving you time and money
You want to feel protected in almost any scenario. But most of all, you want to know that the insurance company you choose will pay out quickly and with as little trouble as possible.
It can be tiring to look online for an insurance policy. There is so much to see that everything looks the same after a while.
You shouldn’t have to worry about finding the right life insurance policy.
We can do that for you. It’s what we’re good at and what we enjoy doing.
Our approach to life insurance isn’t just finding you the cheapest monthly premiums (though we promise you won’t find a better deal elsewhere). Instead, we recommend insurance plans based on what we know about you, what kind of protection you need, and, most importantly, what kind of protection you already have.
For example, if your job has a good sick leave policy, we might tell you not to get immediate income protection. Instead, we can find a plan to protect our income that pays out later. In the same way, if you are eligible for death-in-service benefits, we might suggest a lower life insurance cover.
We believe that everyone in Chester deserves to feel financially protected.
Working with insurers across the UK
Are you wondering why you should work with a life insurance broker like us, when you could go directly to the insurers themselves?
After all, cutting out the middleman must save money.
With us, no. Our price promise says you won’t be able to find a better deal for the same kind of insurance anywhere else.
You might go straight to the big High Street names if you’re looking for life insurance, a critical illness plan, or income protection. You could even use a website that lets you compare life insurance quotes. But you can’t get in touch with all insurers directly.
We can sell to everyone on the market. This means that we can also find insurance plans from smaller lenders in addition to the big brand names.
We hear you asking, “Why is this important?”
Well, that means we can give you the best policy.
You won’t have to settle for less when it comes to your insurance because we know who to talk to when you need protection.
You only need to consider what kind of insurance you want and how much coverage you want.
We’ll take care of the rest.
Helping people in Chester who have previously been declined
Too many people in Chester are wrongly under the impression that they can’t get life insurance.
You don’t want to waste your valuable time calling each insurance company and telling them the same thing over and over again.
You should be doing better things with your time.
Instead, you can save time by telling us what you want and why you think you might not be eligible. Then, we can look into your situation and find a way to help you get the financial protection you and your family need.
A whopping 70% of people who have been turned down for insurance elsewhere are accepted by us.
Frequently Asked Questions
We answer your most frequently asked questions.
People in Chester have been able to get life insurance from The Insurance Surgery for over twenty years. As an insurance broker, we have access to the whole market, from big-name brands to small insurers with specialised services.
Because of these connections, we can suggest life insurance plans that meet your exact needs.
Our expert advisors can help people in Chester feel financially safe through critical illness, income protection policies, and life insurance plans.
The Insurance Surgery is the UK’s no.1 life insurance broker, with over twenty years of experience. People in Chester who are looking for life insurance get a lot of help from us. As a broker, we can use our contacts all over the UK to find the right insurance policy for you.
But we don’t see ourselves as just a middleman.
People in Chester have been coming to us for years because they like our fair and honest advice. We’ve built a good name for ourselves by helping people find life insurance policies that fit their needs and by making it easy for them or their loved ones to file a claim.
Policies for life insurance are made up of several different parts. Insurers will want to know as much as possible about you, including your age, job, health history, and what you like to do in your spare time.
Depending on where you live in the UK, life insurance premiums may differ slightly in price. Premiums are based on how likely it is that a claim will be made. So, if you live where people are getting older or where there is a lot of crime, your life insurance rates could be higher than if you lived in a young, rural area.
No matter where in the UK you live, the cost of cover can vary greatly from one provider to the next. So, the best way to ensure you get the best deal is to talk to a life insurance broker like us.
Our customers love us.
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.
Mat Wise
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.
Duncan Fordyce
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.
Shelley Jenkins
Fantastic!
Approved immediately. Process was so fast and a lot cheaper than I thought. Highly recommended.