Skip links

Why choose us?

We’ve established ourselves as an award-winning specialist life and protection broker by prioritising our customer’s needs at every step. Our commitment to putting customers first is at the core of our reputation and success.

Why choose us_family together

Our Values.

The Insurance Surgery has 25 years of specialist life and protection experience. As a specialist, we have access to a large range of providers and our team have extensive knowledge – meaning we can find the most suitable policy for your needs.

We promise to support our customers with friendly and approachable customer service. We will hold ourselves responsible for ensuring that every customer is treated fairly and given expert advice. 

Expertise

Accountability

Integrity

We take the pressure off finding a suitable policy.

At The Insurance Surgery, we understand the importance of financially protecting your loved ones. That’s why we work hard to help everyone, especially those with:

  • Non-standard applications
  • Living with a medical condition(s)
  • Working in a dangerous occupation
  • Participate in extreme sports

Whether protecting your mortgage, securing your children’s education, or simply providing for your loved ones in your absence, The Insurance Surgery will help you to protect what matters most.

So, keep being the superhero for your family, and let us handle the rest.

70% previously declined, we cover

Due to our excellent reputation, we have access to exclusive products for better rates.

85,000 people covered through us

As a life & protection insurance broker, we have access to a large range of insurers.

548 different medical conditions helped

We’re experts at helping people with medical conditions find suitable life cover.

80% of customers are covered within 24 hours

As a specialist, we know where to go for the best policy. This means you get covered quicker.

How can we help you?

Dedicated Adviser

You’ll only speak to one person throughout the application process.

No pushy sales

We want the best for you, so will never try any pushy sales techniques.

Price promise + £50 gift card

If you find a better price elsewhere, we will match it and give you a £50 gift card*.

Trust Service

We provide full support in setting up a trust for your policy.

Free advice

We always offer free advice and will never charge you for this support.

Free No Obligation Policy Reviews

To ensure your policy is suitable for your needs, we’ll carry out free policy reviews.

Working with insurers across the UK.

You want to be matched with the right life insurance provider. We want that too. That’s why we focus on finding you the perfect policy that protects you and your family. Our access to mainstream and independent insurers means that we can find the right life insurance policy for you.

Ask the expert.

Rick

Richard Brough, Protection Manager.

Did you know that 70% of customers who have been declined elsewhere, get accepted through us.

If you have a medical condition and have previously been declined insurance, we can help.

As a specialist broker, we have access to mainstream and niche insurers, allowing us to get a range of options for you.

Working within your budget, we listen to your needs and align with your financial goals.

Due to our 25 years in the industry, we also know where to place you for the best solution – getting you covered quickly.

If you’re unsure if we can help, it is always best to give us a call to discuss your situation.

Price Promise + £50 Gift Card.

As an award-winning specialist Insurance Broker for those with medical conditions, high risk occupations or participating in extreme sports we will never be beaten on price.

Price Promise Banner

*Terms and Conditions.

These terms and conditions are promoted by the Insurance Surgery, whose registered office is at 2nd Floor Pickford Street Mill, Pickford street, Macclesfield, SK11 6JD.

To be eligible for a gift card you must be a UK resident aged 18 or over.

In order for you to receive the voucher, you will need to have a minimum monthly premium of £20 and the policy to be live for a minimum of three months.

You must make all payments to your policy each month and in full.

If the policy taken out falls into arrears or lapses, then you will not be eligible for a gift card.

This offer is valid until 31st March 2025. However, should we decide to extend the offer, we reserve the right to do so, updating our terms and conditions accordingly.

The gift card is issued via Lifestyle and can be used at more than 250 of the UK brands. For more details about the brands included, please visit thelifestylevoucher.co.uk. By clicking this link, you will be leaving the regulated site of The Insurance Surgery. The Insurance Surgery is not responsible for any content posted by a third party within a non-regulated site.

You will be sent a link to claim your gift card. The gift card will expire 2 years after being issued and any outstanding balance will be lost; No cash alternative will be offered.

We reserve the right to refuse issue of the gift card should we suspect foul play; We reserve the right to cancel or modify these terms and conditions at any time and at our sole discretion; Our Privacy Notice explains how your data will be used.

Useful links.

For more information on life insurance, income protection, critical illness cover and private medical insurance check out our recommended pages: