Life Insurance Cornwall
Are you looking for a comprehensive life insurance policy?
As life insurance experts, we will safeguard you and your family against a wide range of risks.
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 Cornish residents to find the right life insurance plans
Are you sure you know what you’re looking for if you’re looking for a life insurance policy?
We frequently talk with Cornish residents who tell us they know why life insurance is essential, but they don’t know how to protect their families from a worst-case scenario.
It makes sense.
After all, life insurance policies can be extremely complicated to understand. Unfortunately, life insurance is not a topic that is often discussed with peers, or taught from a young age, so why should you be expected to know what you are looking for?
That’s where our experienced team of life insurance specialists can help.
It’s also why we only provide life insurance quotes over the phone rather than through instant online calculators.
When you purchase a life insurance policy from us, we want you to be fully aware of what you’re getting. But unfortunately, there are so many differences in policies that searching online can become a risk. You could end up with a policy that may give you peace of mind but won’t actually support your family in the way that they need.
If you’re living in Cornwall and you’re looking for a life insurance policy, why not give us a call, or join a live chat with one of our team?
We’ll take the time to get to know you and your family.
We’ll talk through the differences between a whole-life policy and a term policy. Then, we’ll help you figure out how much cover you need and identify whether any exclusions might affect the compensation your family could receive.
We never forget that every life insurance claim comes from a family who has lost a loved one and is hurting. Because of this, we promise to do everything we can to protect and care for your family. When we talk about setting up your policy for the first time, we’ll take as much time as you need to make sure you understand how your life insurance will protect your family. We’ll answer any questions you have and make sure you’re happy with the level of protection you’re getting.
And if the worst should happen, we promise we’ll be there for your family. If they need help filing a claim, finding the correct paperwork, or even checking to identify what your policy covers, we’re only a phone call away.
Why do you need income protection insurance in Cornwall?
Cornwall is one of the most beautiful places in the UK. With a rich agricultural and fishing heritage and a thriving tourism sector, the local economy is continuing to grow, and Cornish residents have an average salary of between £31,000-£33,000.
But it does worry us that people in Cornwall are not making the most of income protection insurance.
After all, anyone could find that they cannot work through illness or injury.
You might think you could rely on statutory sick pay, but would it be enough to cover your outgoings? Perhaps your employer offers an enhanced sick pay package, but often these are time-limited for just a few months.
Even though your savings might be enough to get you through the short term, what would you do if you got seriously ill or hurt and could never return to work? Thanks to an income protection policy, you could receive a steady income until your retirement age or until your policy term ends.
We work hard to help people in Cornwall protect their income.
At The Insurance Surgery, our glass is always half full. We always take a proactive approach to each application. But we are also realists, and we prepare contingency plans for your worst-case scenario.
Our focus is on risk management, and we do whatever it takes to protect you and your family from the unexpected.
That’s why our income protection policies are never one-size-fits-all.
You are seeking a policy that fits your needs and protects your family, whether you live in Truro, Saltash or Newquay. Thanks to our network of income protection insurance providers, we can match you with a personalised policy that kicks in when needed. So, for example, if you have access to a six-month full sick pay policy – that’s great; we can set up an income protection plan that pays out after six months. Or if you need something that would pay out immediately, we can sort that out as well.
Our income protection plans are designed to give you peace of mind that your finances will be handled in almost any situation.
Finding you the right insurance policies
For over 20 years, we have helped people in Cornwall find the right insurance policies for their needs.
We promise to protect you and your family. Perhaps you work as a gardener at the Eden Project, a nurse at the Royal Cornwall Hospitals NHS Trust, or a fisherman who provides the catch of the day to the local community. Whatever your job role, we can help protect your income.
We can support you and help you find a life insurance policy. We can discuss your family’s medical history to see if you would benefit from a critical illness policy. And we can make sure that you are financially supported with income protection for the rest of your career.
Whether you are looking for separate policies or comprehensive insurance plans that include everything you need, we promise to find the best possible protection for you and your loved ones.
Saving you time and money by focusing on what you need
We believe that everyone in Cornwall deserves to feel financially protected.
Choosing an insurance provider is more than finding the lowest possible premium (although we promise you won’t find a better deal elsewhere). It’s about finding a provider that will treat you as an individual. You deserve an insurer who understands your lifestyle and has a proven track record of paying out any eventual payments as quickly and painlessly as possible.
Are you fed up with searching for an insurance policy online?
We know that it can be time-consuming and confusing.
There is so much to see that everything looks the same after a while. If you’re not clear on what you’re looking for, you could take out a life insurance or income protection policy that isn’t right for you and your family.
At The Insurance Surgery, we pride ourselves on how we support people in Cornwall.
We take the time and stress away from you.
In just a short phone call, we can work out what protection you already have in place, and we can build a suitable policy around your needs. For example, if your employer offers death-in-service benefits, we might recommend a smaller life insurance policy. Or if your employer has an excellent sick pay policy, we might recommend an income protection plan that only pays out once your sick pay finishes.
These little personalised touches are why people in Cornwall choose us for their income protection and life insurance needs.
We work with a vast network of insurance providers in the UK
You may be tempted to go straight to an insurance company instead of using a broker like us.
Our price promise says you won’t find a better deal anywhere else for the same kind of insurance. Nor will you get the same personalised care and attention we offer.
You want to be treated as an individual. You deserve that.
Your family also deserve to be financially protected and supported if they need to claim on your life or critical illness insurance.
We take care of all the little things so you can concentrate on your family and your health.
You might live in Cornwall, but we work with insurers all over the UK. So, when you need a policy for life insurance, critical illness, or income protection, we know exactly who to talk to. We don’t just work with well-known names on the high street. We also work with smaller, specialised insurers that have a track record of paying out quickly when they need to.
We will match you to the right insurer for your needs.
You won’t have to settle for less when it comes to your insurance plan. You only need to think about what kind of insurance you want and how much coverage you need.
We’ll take care of the rest.
Helping people in Cornwall who have previously been declined
Too many people in Cornwall think they can’t get life insurance.
If you’ve previously been declined for an insurance plan, it can be frustrating to waste your time calling each insurance company and having the same conversation repeatedly.
But we are confident that we can help you.
We accept a whopping 70% of people previously turned down for insurance elsewhere.
All you’ve got to do is pick up the phone and talk to one of our life insurance specialists.
Tell us why you think you may not be eligible for a policy, and we can look into your situation to see how we can help. We’re an extremely positive bunch, and we know precisely which insurers are more likely to give you the protection you need.
We’ll do whatever we can to help you and your family feel financially secure.
Frequently Asked Questions
We answer your most frequently asked questions.
For more than twenty years, we’ve helped people in Cornwall with life insurance, critical illness insurance and income protection plans.
As an independent insurance broker, we specialise in working with insurers from all over the market, from big, well-known names to smaller more specialised insurers.
Our personal approach to insurance means we know how to find the right life insurance policies for people in Cornwall. We want Cornish people and their families to feel financially safe through critical illness, income protection policies, and life insurance plans.
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The Insurance Surgery is the UK’s no.1 life insurance broker, with over twenty years of experience.
We help people in Cornwall by finding them the best life insurance policies for their needs. As an insurance broker, we know how to find the best insurance company for each person. This means that our customers can be sure that they have the right financial protection in place.
People in Cornwall have been coming to us for years because they like that we give them fair and honest advice. We’ve built a good reputation by helping people find life insurance policies that meet their needs and by making it easy for them or their loved ones to file a claim.
We wish we could say that people in Cornwall will get lower premiums, but the situation is more complicated than that.
When making life insurance quotes, insurers look at a number of things.
They will want to know everything they can about you and how you live. You’ll be asked questions about your age, job, health, hobbies, and interests. If you live in a rural area with a low crime rate, your premium could be less than if you lived in a big city, but this is not always the case.
Please talk to us if you live in Cornwall and are looking for cheap life insurance. As a broker, we work with insurance companies all over the UK to find you and your family the most affordable policy that covers everything you need.
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.