FREE expert help & advice 0800 083 2829

Contact our specialist team for FREE expert help & advice 0800 083 2829

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Meet The Team.

Our team of experts are on hand to help you find the best life insurance policy for you, your family and your personal circumstances.

As The UK’s No.1 Specialist Life Insurance Broker* for those with medical conditions or dangerous occupations, we know how to find life cover to suit your needs.

Hover over each advisor to find out more

Meet the Team

Andy Mellor, Managing Director

Andy Mellor has been at Insurance Surgery since 2022, in this short amount of time Andy has taken the business from strength to strength. With a track record of achieving remarkable success, he led the company to a record-breaking year in 2023 & 2024, securing multiple awards and doubling our partnerships. Speak to Andy for marketing and promotional activities.

Email Andy

Charlotte Harding, Business Partnerships Manager

Charlotte joined The Insurance Surgery in August 2022 and plays a pivotal role in managing both new and existing partners. As an award-winning nomination writer, she has helped the company secure four industry awards, including Outstanding Specialist Intermediary, Cover Excellence Awards. Charlotte combines strategic relationship-building with process management to ensure partners receive exceptional service. Got a question about our process? Charlotte’s the one to ask!

Email Charlotte

Richard Brough, Protection Manager

Richard has been with The Insurance Surgery for seven years. Prior to that, he worked at NatWest and has since developed extensive, in-depth knowledge of specialist life insurance. Richard truly embodies our values, offering sincere and expert protection advice to both partners and customers alike. If you have a very complex case that you wish to talk through first, speak to Richard. Email Richard by clicking the button below.

Email Richard

Emilie Ward, Business Partnerships

Emilie joined The Insurance Surgery in 2020. Before moving to the Partnerships team, Emilie worked as a complex case protection advisor. Emilie now supports both new and existing partners with onboarding, case queries, and provides educational support, in the form of panel discussions, events and podcasts on the importance of protection advice.

Email Emilie
  • 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.  

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