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Insurance Surgery The Insurance Surgery is a leading life insurance, critical illness cover and income protection specialist for people with pre-existing medical conditions. Since 1999 we have helped literally thousands of individuals, families and businesses to obtain the financial protection they need and peace of mind knowing that they are covered. People with a pre-existing medical condition looking for life insurance should already be aware of how annoying or difficult the application process can be which is why we’re here to help.
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Life Insurance Life Insurance is one of the most important financial decisions that anyone can make and gives you the financial freedom knowing that your family or business is protected. Most of us think that Life Insurance is far more expensive than it actually is and consider it to be unaffordable which is simply not the case for most people.
Health Conditions & Life Insurance For anyone living with a pre-existing medical condition or for anyone who has suffered a medical problem in the past, acquiring life insurance can be a difficult process to go through. Here at The Insurance Surgery, we use our 20 years’ worth of experience of helping people find health insurance for pre-existing conditions in the UK to make the life insurance application process as stress free as possible.We work hard to receive fantastic reviews every day from our wonderful customers.
Dangerous Occupations Life Insurance Individuals employed in hazardous or dangerous occupations are likely to face greater scrutiny from Life Insurance providers who will require additional information about their job. When evaluating life insurance policies for such individuals, underwriters will need to assess the associated risks, which could lead to higher premiums to account for the increased level of risk.
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Reviews (26)
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Cheeky London
Mar 06, 2023
I was booking travel insurance for my partner who has some health issues so it wasn't a straightforward policy. However, everyone I spoke to at The Insurance Surgery was very helpful, efficient and sensitive to the issues involved. They helped us find the best policy available.
Toby Hand
Jan 03, 2023
If you're looking for life insurance and have been turned down elsewhere, this is the company for you. Julie was super helpful and knowledgeable from the initial call I had with her through to finding the right policy for me. She kept me updated throughout the process, recommended a few options and was very transparent about her action plan to try and find the right deal. Would highly recommend the insurance surgery and, if you're lucky enough to get Julie as your contact, can guarantee you'll be in safe hands. Thanks Julie!
Hannah Quinn
Oct 12, 2022
What an incredible service! I would absolutely recommend the insurance surgery. I was struggling to get insurance applications accepted which caused significant stress as talking about medical/ mental health history and struggles can be very traumatic. As soon as I reached out to the insurance surgery, they acted promptly (calling within an hour) and so informative. Karl Waterhouse acted with such reassurance and sensitivity and completely transformed a difficult scenario into one in which I felt at ease, no judgement and explained everything so thoroughly.

It's most definitely a company who truly live out their ethos and genuinely care about their customers. I can not thank Karl enough for making me feel so looked after and finding the best solution for me at a great price. Truly grateful.
William Beasley
Aug 15, 2022
A1 service from the beginning. My own medical history meant the application took some time but Tom Hayes and his colleagues were there all the way. If you want a competent, professional company to deal with you have found the right one. And the 'icing on the cake' is that I now pay half the amount of my old premiums for twice the cover. 10/10 Many thanks
Honey Dylan
Jul 06, 2022
Megan Hammonds has been brilliant at helping me find the best cover. She is patient, understanding and not at all pushy. High recommended.
Ian Tyler
Jun 17, 2022
Thank you, Julie Arthurs! You provided a great service and I got the life insurance I needed. Pretty much everything was done over the phone and I just had to check and amend the forms before submission to the insurance company. An excellent experience that I am happy to recommend!
Claire Woon
Jun 03, 2022
Finding this service has been amazing. I have MS and could not find the right life insurance or got refused until I came across the Insurance Surgery. Liz was my broker and she was polite, non judgemental, funny, professional, caring and no hard sell. She listened to everything I needed. She went above and beyond and gave me several options to choose from explaining everything. I cannot praise Liz and this company enough and am thankful to have found them.
Alibobs B.
May 16, 2022
Simon was amazing, I struggled getting insurance because of health issues and Simon always keep chasing the companies for me. We finally agreed a great deal and I could not be more happy. Thank you Simon.
Lynda Mcallister
May 07, 2022
Amazing service, My husband and I have been searching for life insurance for him for months and after many many refusals we found the insurance surgery and Neil Cameron. He did it all, he sourced several policies all to meet our needs, always within our budget, he completed all the paperwork and engaged with the insurers, he has given me peace of mind and that is priceless. Neil made the entire process so easy, and never pushed a policy, he went above and beyond for us and made it seem no trouble at all. I will recommend this service to everyone. Thank you so much.
Andrew Hill
Apr 11, 2022
After struggling with different brokers for over 3 years. And always been refused. Julie got me sorted a lot quicker than we thought. she was the first person to ask certain questions and got me sorted in less than 2 weeks. I am now covered! and soo happy Highly recommend! and julie THANKYOU
Adam Spurling
Mar 12, 2022
I cannot rate the Insurance Surgery highly enough. I dealt with Neil Cameron who was patient, really helpful and made the whole the process feel very personal. There was no hard sell and, after taking all my details, he was able to find a cheaper rate than i was currently paying. Neil got everything sorted quickly and efficiently. I will be recommending the insurance surgery to all my friends and colleagues. Thank you very much.
Anne-Marie McBrien
Jan 21, 2022
I am so pleased to be looked after by Neil Cameron at The Insurance Surgery. Great customer service, helpful advice and never ever any pressure! Navigating the difficult world of insurance has been so much easier with his help and patience. I highly recommend this team!
Catherine Glew
Jan 04, 2022
Neil was brilliant, proactive at keeping me up to date and chasing the insurers for progress on my behalf. He managed to secure a great value policy for me and was a pleasure to work with. Would recommend to anyone, particularly people with pre-existing mental health conditions looking for life insurance. Thanks so much!
Miron Ruthayan
Oct 17, 2021
As my mum was diabetic finding an insurer for her by myself was harder than I expected with the final premium being much different to the estimate given. Liz at the Insurance Surgery went through the options and made the process quick and much easier. She found an insurer that suited my mum's needs and within the monthly budget we was after. Will recommend to others.
Thomas Bedford
Aug 23, 2021
Massive, massive thanks to Liz for sorting out my life insurance! After getting declined by multiple insurers, she managed to toil through different providers both quickly and efficiently and find one that was affordable, but had everything I needed. Thanks Liz, you need a pay rise!
Scott Harvey
Feb 02, 2021
Sam Cox was extremely helpful and very thorough with everything over the phone! I have never acquired insurance before but Sam explained everything with ease. He contacted me via email, phone and text which is extremely helpful in my current circumstances of moving house. A credit to your company. Definitely reccomend.
Paul Bonning
Jan 15, 2021
Great service and reduction in premium compared to quote provided directly from the insurance company. Sam Preston was very professional and extremely helpful in getting everything completed in a smooth and timely fashion. Would definitely recommend.
Tom Dean
Jan 15, 2021
A big thank you to Sam for his good advice and patience to secure a life policy to meet my needs at an affordable price. Sam provided me with several options for available types of cover explaining the benefits of each. Yes, there were lots of questions to answer during my telephone interview but this beats form filling at home. I would suggest some preparation beforehand regarding questions relating to health and lifestyle to reduce time spent on the call or calls if needed. Sam was able to give me more than one quote from the biggest insurers and was quite prepared to juggle the figures to match my budget. Again, a big thank you to Sam at the Insurance Surgery for a good deal
Anita Tingle
Sep 19, 2020
Sheryl was so easy to deal. She was professional and knowledgeable but also understanding and showed compassion when necessary. After going through this process with another company which wasn't sorted in 3 months I'm so glad I used the Insurance Surgery in the end, 24 hours and life insurance in place. Thanks Sheryl
Graham Love
Feb 18, 2020
I contacted The Insurance Surgery for Life Insurance, and was dealt with by Sam Preston, he handled my application professionally, and very quickly, I was able to take this policy out after 2 days, from start to finish. Would highly recommend this person and his company. Thanks for a great service.
Jon Wright
Feb 12, 2020
Fantastic service once again from the Insurance Surgery. They managed to get me covered several years ago when diagnosed with diabetes. Was just thinking of updating when I got a call from Sam Preston, who sorted out my requirements quickly and efficiently. Excellent service.
Matt Fitton
Jan 19, 2020
Greg at The Insurance Surgery has been fantastic from start to finish. Unfortunately I had to wait 3 months (due to my circumstances changing) from when I initially spoke to Greg, to when I could take out the insurance. Greg's patience and advice during this time were perfect and made me feel very at ease that I am fully covered at the right price. Thanks for being so understanding and having such good advice at hand. Would recommend to anyone - 100%.
Harry Garner
Dec 02, 2019
My experience was brilliant. I found it particularly tough working through different companies trying to get the specialist insurance that I needed, so it was a great weight off of my mind. Dan (the advisor) was amazing and kept me informed the whole way, he made everything so easy! I would recommend to anyone!
Elaine Petrie
Sep 30, 2019
Sam helped me get a quote for a life insurance policy which I had previous struggled with due to some health conditions - this was done very quickly, and Sam was very accommodating to my working hours and would call me when promised and whenever was convenient to me. Very happy with the price, cover and service received. Would use again for future quotes and would highly recommend.
Tracey Grylls
Sep 08, 2019
Julie A has been fantastic & so helpful, I didn't get the insurance over I wanted but at least I do now have some cover! She is very patient, understanding & determined member of staff, you should be very proud to have her work for you. Thank you for all your time.
Conal Platt
Aug 16, 2019
Dianne Wheeler made everything run smoothly from start to finish. As it was my first ever life insurance policy, she explained everything throughly and found me a great deal having previously been denied insurance. The service is a great help for people like myself and would highly recommend!