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Making life insurance and travel insurance
The Insurance Surgery is a leading life insurance and travel insurance specialist for people with pre-existing medical conditions, hazardous occupations, extreme sports/hobbies and standard lives. Since 1999 we have helped thousands of individuals and families to protect themselves and their financial future.
Why choose The Insurance Surgery?
We offer clients full advice and make recommendations for life insurance to our clients to ensure that your financial needs are properly covered. As an independent life insurance specialist, we offer products from Whole Market as well as some specialist providers not available through standard companies.
Our team of experts will gather all of the information required by underwriters upfront to ensure that we provide you with an accurate guide/estimate. By speaking to a specialist you will:
A rating may be applied to your policy which will depend on the level of risk (i.e. severity of your condition) and the provider that we apply to for you. Our job is to make sure that we apply to the best provider for you and your individual situation.
The Insurance Surgery also offers a number of products that are designed to protect your income if you are not able to work due to sickness or accident (known as Income Protection). Our team of experts can also advise on which insurers may offer income protection based on your individual circumstances.
The Insurance Surgery also offers Income Protection for people who have pre-existing medical conditions and other non-standard risks. Some insurance providers may apply exclusions to your policy for your condition and related conditions or you may be refused cover entirely depending on your circumstances.
We aim to offer cover where we can but unfortunately we cannot guarantee income protection will be available to you due to the type of product it is.
Unfortunately, not everyone has the knowledge and expertise that we have when it comes to pre-existing conditions and life insurance. It is likely that the person or company that you have been speaking to may have applied to the wrong provider on your behalf.
All insurance providers have their own underwriting criteria and will assess different risks in different ways. Some insurers may not accept your application at all whereas others may be quite happy to consider your application and at competitive rates.
Our many years of experience and the in-depth underwriting knowledge that we have gathered over the years means that we are best placed to offer a suitable solution to your protection needs… even if you have been declined in the past.
The Insurance Surgery Ltd is rated
