Looking for life insurance in Lancaster
Choosing to invest in a life insurance policy is essential to protecting your family’s financial security.
We provide suitable life insurance plans to people living in and around Lancaster.
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
Helping you to find a life insurance policy
We have been giving quotes for life insurance to people living in Lancaster for over twenty years.
We’ve helped hundreds of thousands of people protect their families and their loved ones and given them peace of mind that their finances will be safe even in the worst-case scenarios.
If you’re looking for life insurance online, clearly something has resonated with you that this is the protection you need. For example, you might be worried about how your health has changed over time, or you might have seen how an unexpected loss can affect a family’s income.
We never forget why someone might want a life insurance plan. Nor do we forget that a heartbroken family is dealing with losing a loved one for every claim.
That’s why we don’t offer online life insurance quotes right away. Instead, we prefer to talk over the phone (or via a live chat) to ensure that you are getting the right insurance policy for your family. We take the time to get to know you and find life insurance solutions that go above and beyond your expectations and give your family the financial protection it needs.
Supporting people in Lancaster from start-to-finish
We are proud to be known as a leading life insurance broker. Everything we do is to help people like you find the right insurance policy that gives you maximum coverage with minimum premiums.
We’ve worked with hundreds of customers in Lancaster who come to us because they know we’ll do what’s best for them from start to finish.
As soon as you call or start a live chat with one of our advisors, we’ll walk you through the life insurance process step by step. If you’ve never taken out a life insurance or critical illness policy before, there’s no reason to assume that you know the difference between a whole life policy and a term policy. Similarly, if you only look at the upfront cost of your monthly premiums, you might not know about any exclusions and restrictions in your terms and conditions.
Our goal is to help you feel empowered to make the right choice. So, first, we’ll help you figure out exactly how much cover you need and what protection you may already have. From there, our advisors will manage the search for you.
Once we think we’ve found the right policy for you, we’ll take as much time as you need to explain how your life insurance policy will work. Then, we’ll answer any questions you have and make sure you’re happy with the level of protection you’re getting.
But our help doesn’t end once you’ve taken out your insurance policy.
We promise that if the worst happens and your family needs to use your life insurance, we’ll be here to help. We’ll be there for your loved ones and do everything we can to try and make a hard time easier. We’re just a phone call away if they need help filing a claim, finding the right paperwork, or even finding out what your policy covers.
That’s why people in Lancaster trust us to find them life insurance.
Is your life insurance giving you what you need?
Choosing the ideal life insurance policy is more complicated than simply picking the cheapest monthly premium.
You deserve to be taken care of by an insurance company that will do what’s best for you.
An insurance provider that understands you are a person with a family that you want to protect.
But most of all, you deserve help from an insurance company with a history of paying out claims quickly and easily.
The Insurance Surgery works with many different UK life insurance companies. We work with recognisable high-street names as well as smaller, independent companies. This means that we can find the right amount of life insurance for you so that you don’t pay more than you need.
We pride ourselves on how we support people in Lancaster.
In just a few minutes on the phone, we can
- Figure out how much cover you need to keep your family safe.
- Talk through the differences between a whole-life policy and a term policy.
- Find out if you have any other ways of protecting your money.
- Talk about how you want to be paid out.
When we know what you’re looking for, we’ll find and build a policy that matches your needs. With our connections, we promise to get you a quote for cheap life insurance that meets your needs.
And our price promise means you’ll never pay too much for your life insurance policy.
Going beyond life insurance to offer additional protection
Although we specialise as a life insurance broker, we also excel in critical illness plans and income protection insurance.
We’ve been helping people in Lancaster for a long time, and it’s not just by finding them a joint or combined insurance policy. It’s because we care about finding the right insurance for your needs.
If you work for large employers such as the NHS or Lancashire County Council, you probably already benefit from various sick pay policies or death-in-service benefits. But if you work for smaller, local employers across Lancaster, you may not have these benefits. In this case, additional insurance plans like income protection or critical illness insurance can be beneficial.
During our first conversations with you, we can find out what kinds of protections you already have and make suggestions based on your specific situation. For example, if we think you could benefit from an income protection cover or a critical illness plan, we can compare the costs and see how much more protection you could get for just a few extra pounds each month.
This personal approach and our holistic understanding of why you are trying to protect your finances set us apart from online insurance comparison websites.
Turning declined policies into approved policies
Do you have a health problem or a family history that could make it hard to get life insurance?
Talk to one of our advisors if you aren’t sure if you would be accepted for a policy.
When people in Lancaster tell us they don’t qualify for a life insurance plan, it genuinely upsets us. That’s because we know those people have relied on a computer algorithm to find a suitable solution.
We want to hear from Lancaster residents who have been declined for life insurance, or critical illness plans in the past. We can turn those “no’s into “yeses” because we know who you are and what’s happening in your life.
Seventy percent of the people who have been turned down for insurance elsewhere can get it from us.
We can do this because we know who to ask for a life insurance quote if your medical history is complicated. Our personal approach differs from your favourite search engine in that we can pick up the phone and talk to an insurer in person about your situation.
We are incredibly proud to be able to help you and your family feel financially secure.
Frequently Asked Questions
We answer your most frequently asked questions.
We’ve been helping people in Lancaster with life insurance, critical illness insurance, and income protection plans for over twenty years.
As an independent insurance broker, we work with all kinds of insurers, from big, well-known names to smaller, more specialised ones.
We know how to find the best life insurance policies for people in Lancaster because of how we handle insurance. As a result, we can help you and your family or loved ones feel financially secure through critical illness, income protection, and life insurance plans.
The Insurance Surgery is the UK’s no.1 life insurance broker. Rated Best life and protection broker 2022 and ranked high on Feefo and Trustpilot, customers have worked with The Insurance Surgery for over twenty years.
We help people in Lancaster get suitable life insurance policies with long-lasting financial protection. As independent insurance brokers, we know how to match each person with the best insurance company for their needs. This means that our customers can be sure that they are financially protected.
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.