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

Self Employed Life Insurance

As a self-employed individual, you’ve chosen the path of entrepreneurship – a rewarding journey filled with challenges and uncertainties. Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Self Employed Life Insurance?

Being self-employed, you’ve chosen a rewarding journey filled with challenges and uncertainties. While the freedom to be your own boss brings immense satisfaction, it also comes with risks that can threaten your financial security. Illnesses, accidents, or other unforeseen circumstances can jeopardise your ability to work and leave you and your loved ones vulnerable and without a steady income. That’s why income protection and life insurance are important considerations when you are self-employed.

At The Insurance Surgery, we proudly offer access to life insurance and income protection solutions for self-employed individuals. Due to 25 years as a specialist broker, we’re experts at helping self-employed individuals with non-standard applications, such as those living with medical conditions or working in dangerous occupations.

High blood pressure (hypertension)

Increased stroke risk

Risk of aortic rupture

Nosebleeds

Angina

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

Those with severe coarctation of the aorta usually require surgery, although this will depend on their age and overall health. The required procedure is one that widens the aorta, known as an angioplasty procedure.

Self-Employed Life Insurance & Income Protection.

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

Life insurance is a financial tool that will pay a lump sum upon the policyholder’s death or if given 12 or fewer months to live. Life insurance will generally need to be organised by the self-employed individual as they will not receive a ‘death in service’ benefit from work. Life cover allows beneficiaries to live as ‘normal’ by providing financial support to maintain their quality of life, cover expenses such as a mortgage, and navigate the challenges that come with the absence of losing a loved one.

Severity of the condition

When you were first diagnosed with coarctation of the aorta

Your age

Whether your coarctation of the aorta has been treated surgically

Medications currently being taken

Family medical history

Whether you smoke

Any other related health complications such as heart disease

At The Insurance Surgery, we are leading specialists for putting people in touch with the best insurers when they are seeking to take out life insurance with a condition like coarctation of the aorta. We understand that every client’s condition and circumstances are different, and will help compare the market to find you the best life insurance providers and cover plans for your needs. Simply enter your details into one of our online forms for your free no-obligation life insurance quote.

Critical Illness Cover

Just like life insurance, critical illness cover can be available to some sufferers of coarctation of the aorta. Cover will depend on the severity of your condition and the extent to which it impacts on your general health, well-being and lifestyle.

You may find that insurers are more strict when offering policies for critical illness cover. You may need to provide medical confirmation in the form of records from your GP.

If your condition is manageable and you have no symptoms, it is possible to have an application for critical illness cover accepted on standard terms. If however your symptoms are more severe and you have had surgery, you might be offered cover with non-standard terms that are bespoke to your situation.

Contact us at The Insurance Surgery for more details and to be put in touch with insurers offering critical illness cover that fits your unique circumstances.

Income Protection Insurance

Income protection will pay a monthly benefit to the amount agreed in the policy terms. The monthly benefit will act as a wage replacement if off work due to illness or injury. Self-employed individuals can even claim if they are off with the flu! There is also no limit to the amount of times you can claim.

Some individuals may have savings that will support being off work. However, savings will only last for a certain time. With income protection, the policyholder can add a deferment period – which means that the benefit will not start until you have been off work for a certain period, as agreed in your policy terms. Deferment periods can be for as little as 1 week or up to 12 months. During the deferment period, there is a risk of losing all savings, so it is advisable to assess this before applying for income protection.

Who is Eligible?

Our services are tailored to fulfil various needs of self-employed individuals across the UK, including those with pre-existing medical conditions or hazardous occupations. Whether you’re a freelancer, a contractor, or an entrepreneur, we have solutions that fit your unique circumstances.

Our eligibility standards are intended to be inclusive, assuring you have access to the self-employed insurance income protection cover you need.

Your age

Your current weight and lifestyle

The date of your initial diagnosis

Any other associated health conditions such as heart attack or stroke

Associated congenital conditions such as heart disease

Whether you have high blood pressure

Whether you have had surgery for coarctation of the aorta

Whether you smoke

The impact your condition has on your job

What is the Estimated Cost of Life Insurance for Self Employed?

The cost of our self-employed income protection insurance varies based on several factors, including your age, health condition, desired cover amount, and the length of the term. We will provide quotes that accurately reflect your requirements during our conversation.

Rest assured, our transparent pricing approach ensures you understand precisely what you’re paying for and why. We provide clear and concise information, empowering you to make educated choices regarding your cover.

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

At The Insurance Surgery, we are specialist life insurance providers for those who have congenital heart defects like coarctation of the aorta. We can help compare the market to find you the right insurance providers that can meet your needs while understanding the nature of your condition.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

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.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Can self-employed individuals with pre-existing medical conditions get life insurance?

Absolutely! At The Insurance Surgery, we specialise in providing life insurance solutions to individuals with pre-existing medical conditions or specialist requirements. Our expertise is in managing the complexities of these unique circumstances, ensuring high acceptance rates.

How does income protection benefit self-employed individuals?

Income protection for self employed individuals is crucial as it provides a steady income stream should they face an unexpected illness or injury that prevents them from working. This financial safety net ensures you can maintain your living standard and support your loved ones during challenging times.

What sets Insurance Surgery apart from other insurance providers?

At The Insurance Surgery, we take pride in our expertise in supporting the self-employed community. Our awareness of the sector ensures we provide excellent customer service time and time again.

How long does the application process take?

The application process at Insurance Surgery is designed to be quick and efficient. Our experienced advisers will guide you through each step, ensuring that all necessary information is collected. The period of completion can vary based on individual conditions. However, 80% of life cover applications are completed within the first call.

Can I adjust my cover as my needs change?

Absolutely! We understand that life circumstances can change, and your insurance needs may evolve. Our flexible insurance allows you to change your cover as needed, ensuring that you always have the protection you need when you need it.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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By Policy

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Life and Health Insurance for Business

Specialised Business Insurance

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Self Employed Life Insurance

What Is Self Employed Life Insurance?

Risk of aortic rupture

Nosebleeds

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

Self-Employed Life Insurance & Income Protection.

Severity of the condition

When you were first diagnosed with coarctation of the aorta

Your age

Whether your coarctation of the aorta has been treated surgically

Medications currently being taken

Family medical history

Whether you smoke

Any other related health complications such as heart disease

Critical Illness Cover

Income Protection Insurance

Who is Eligible?

What is the Estimated Cost of Life Insurance for Self Employed?

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beatthe price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!*