Life Insurance for people in Wales
Are you looking for a comprehensive life insurance policy?
Do you want long-lasting protection that promises financial security in worst-case scenarios?
We specialise in helping people in Wales find the perfect life insurance policies.
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
Making it easy to buy life insurance in Wales
- Do you know what you want from a life insurance policy?
- Do you get confused when searching online for life insurance?
- Do you know the difference between a whole-life policy and a term policy?
Did you find it easy to answer these questions?
If you didn’t, then don’t be disheartened.
Life insurance is incredibly complicated, and every day we take calls from people who live across the Welsh valleys looking for life insurance but don’t know what they need to protect their families.
We get it.
We bet that life insurance is something you’ve never had to think about before. Most people only consider life insurance while sorting out a new mortgage deal. Or perhaps they’ve had a recent health scare and want to look into lasting financial protection.
Our job is to make it easy for you to buy life insurance in Wales.
Our dedicated advisors will answer your questions and give you all the information you need to make an informed decision. We’ll talk through the pros and cons of your life insurance plan and explain how any payout could take care of your family.
We’ll even help you figure out how much cover you need and talk through what financial protection you already have in place without realising.
All you need to do is pick up the phone and call us.
What is life insurance?
Life insurance is about providing financial stability for your family after you die.
No one likes to think about death, but the truth is that no one is immortal.
With a comprehensive life insurance plan, you can know that whatever happens, your family will always be taken care of.
A life insurance payout will give your family a lump sum if you pass away or are diagnosed with a terminal illness while the policy is in effect.
You can decide how much protection you need and how long you want to be covered. Your family can use the tax-free payout to help them adjust to life without you.
- The money could be used to pay off the mortgage or to cover regular living costs.
- You can set aside some money to be given as an inheritance to named beneficiaries.
- There are two kinds of life insurance policies: single and joint. Your joint policy can offer lasting protection if you have a long-term partner or spouse.
- You can add critical illness insurance or income protection insurance to your policy.
We’ve been helping people in Wales figure out what insurance plans they need for over 20 years.
People like you.
We’ll look for a life insurance policy that fits your needs, no matter what you do for a living, how old you are, or how your health is.
Helping you to figure out what insurance you need
We’ve helped generations of Welsh families discover what insurance they need.
Whether you’re working as a social worker in Bangor, an IT manager in Pontypool or a riding instructor in the Bannau Brycheiniog (formerly known as the Brecon Beacons), we want to hear from you.
That’s because we want to help you figure out what insurance you need.
You don’t want to pay over the odds to replicate protection you already have (such as death in service benefits). But you want to make sure you have enough cover to promise financial security for your loved ones.
Perhaps you’re looking for a specific critical illness policy or a joint life insurance plan with your spouse as part of your mortgage application. You might even need some income protection insurance to give you peace of mind if you can’t work due to an accident or an injury.
We know we can help you find everything you need, whatever the circumstances.
What’s more, we specialise in finding you and your loved ones the most effective insurance plans for the lowest possible price.
Saving people in Wales time and money
One of the reasons why people in Wales come to us to find suitable life insurance plans is because they know we’ll save you time and money.
You don’t want to spend hours searching for life insurance online. Especially if you’re not 100% sure you know what you’re looking for or how different policies compare.
Instead, your time should be spent with your family doing the things that you love.
So, why not rely on us to find the best life insurance policy for your needs?
Our expert team can save you hours of searching. Because we know what to look for, we can find you a suitable plan, even if you have a complex medical history. And because we have relationships with high-street insurance providers and smaller, niche insurers, we know we can get you the best possible price.
In fact, our price promise guarantees that you won’t find a like-for-like deal anywhere else.
But most importantly, our recommendations are not just based on price.
We don’t offer instant online life insurance quotes because we think life is more complicated than a computer programme. That’s why we build bespoke plans that match your lifestyle and consider any protection you already have.
For example, we might tell you not to get immediate income protection if your job has an excellent sick leave policy. We can instead find a plan that offers a delayed payout. In the same way, we might suggest a lower life insurance cover if you are eligible for death-in-service benefits.
We believe that everyone in Wales deserves to feel financially protected.
So, why not let us find you the protection that you deserve?
Helping people in Wales who have previously been declined
Too many people in Wales think they can’t get life insurance, which is not true.
You don’t want to waste your time calling each insurance company and telling them the same thing over and over again.
Instead, you can save time by telling us what you want and why you might not be eligible. Then, we can look into your situation and find a way to help you and your family get the financial security you need.
We accept a whopping 70% of people who have been turned down for insurance elsewhere
Working with insurers across the UK
Do you want to know why you should work with a life insurance broker like us instead of going straight to the insurance company?
Getting rid of the middleman must save money, right?
Not with us.
Our price promise says you won’t find a better deal for the same kind of insurance anywhere else.
If you need life insurance, a critical illness plan, or income protection, you might go straight to the big names on the High Street. You could even use a comparison website for an instant life insurance quote.
But you can’t talk to all insurance companies directly. It can get tiresome to repeatedly fill out insurance quote forms, especially if you’ve got a complicated medical history or a family history of illness.
Luckily, we have the tools to talk to everyone at once.
That’s because, besides the recognisable life insurance brands you may have heard of, we also work with insurance companies that do not sell directly to the public.
We know you’re wondering, “Why does this matter?”
It matters because you want the cheapest life insurance premium with maximum protection.
When it comes to long-term financial security, you shouldn’t have to settle for less or compromise on what you’re looking for.
You only have to think about what kind of insurance you want and how much you want it to cover.
We’ll handle everything else.
Frequently Asked Questions
We answer your most frequently asked questions.
The Insurance Surgery has provided life insurance to Welsh residents for over two decades. As a broker, we have relationships with various insurance companies, from well-known brands to independent insurers offering niche products.
Because of our extensive network, we can recommend tailor-made life insurance policies.
Through critical illness, income protection, and life insurance policies, our knowledgeable advisors can help people in Wales feel secure in their financial futures.
The two most important factors in determining how much you’ll pay for life insurance are your age and your health. Your premiums will be more expensive if you wait until later in life to purchase life insurance than younger policyholders.
For example, a 45-year-old looking for a 25-year policy with a maximum payout of £250,000 could pay £28pm. A 25-year-old looking for the same policy could pay £6pm.
Talk to us to find out what your life insurance premiums could be.
If you have a spouse, children, or other relatives who depend on your income in case of your death, you must have a life insurance policy. If you die, a life insurance policy can help your family get back on its feet financially or keep them from having to pay off your debts.
The Insurance Surgery is the best life insurance broker in Wales, as proven by our many awards, user ratings, and reviews. We have been in business for over twenty years. We specialise in selling life insurance in Wales. As a broker, we can find the right insurance policy for you by using our contacts all over the UK.
But we don’t see ourselves as just a middleman.
People from Wales have come to us for years because they like our 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.
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.