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70% of customers declined elsewhere get accepted through us.

We Are Specialist
Life Insurance Brokers.

Our team of expert insurance brokers will help you to find the right cover to protect your family or your business and we aim to save you money. We also specialise in finding affordable life insurance for people who have pre-existing medical conditions, work in hazardous occupations or participate in extreme sports.

The Insurance Surgery: The UK’s No.1 Specialist Life Insurance Broker* for those with medical conditions or dangerous occupations

Medical Conditions
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Medical Conditions

Life insurance for those living with a pre-existing medical condition.

  1. Cancer
  2. Type 1 Diabetes
  3. Obesity
  4. High BMI
Dangerous Occupations

High Risk Life Insurance

Insurance for occupations and hobbies that are classed as hazardous or dangerous.

  1. Extreme Sports
  2. Dangerous Occupations
  3. View All
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Our Partners.

So what makes us different?

About The Insurance Surgery.

The Insurance Surgery is a leading Life Insurance and Travel Insurance expert as well as one of the top specialists for people who are classed as high risk by insurance underwriters. We have many years of experience and our team of insurance experts has helped thousands of individuals, families and businesses to get the right cover at the right price.

We are also incredibly proud to be able to say that we have one of the highest customer review ratings on Feefo of any insurance company in the UK. The Insurance Surgery is 100% focused on providing an outstanding level of service to all of our clients and making sure that they have the best cover in place at all times.

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Meet our advisors.


Protection Advisor


Protection Advisor


Protection Advisor


Protection Advisor

Life Insurance for pre-existing medical conditions.

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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.

Some people may also already have been declined life insurance, critical illness cover or income protection because of their medical condition / history but this does not necessarily mean that you are uninsurable. Some insurance providers are far more flexible than others when it comes to adverse risk applications such as pre-existing medical conditions life insurance. Our team of highly skilled and vastly experienced life insurance experts have worked with over 1,000 different medical conditions which is why we’re so good at what we do. Through the knowledge and understanding of medical conditions that we have, we’ll make sure that you get the right cover to protect your family and we aim to save you money on your life insurance premiums.

Even if you have been declined life insurance in the past then it is still highly likely that we will be able to get you, your family or your business financially protected. In fact, a large number of our clients have already spoken to several other insurance companies who were not able to help and we were able to get them covered.


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Obtaining Life Insurance with a Medical Condition.

The list of possible pre-existing medical conditions is almost endless, especially when you consider that there are well over 200 different types of Cancer alone.

Some of the main examples of Life Insurance for Pre-existing Medical Conditions include:

Diabetes (e.g. Type 1 Diabetes, Type 2 Diabetes, Gestational Diabetes etc.)
Heart Conditions (e.g. Heart Attack, Angina etc.)
Kidney Disease
Mental Health (e.g. Depression, Stress, Anxiety, BiPolar etc)
Multiple Sclerosis
Neurological conditions

You will usually be asked about your medical history / condition on your life insurance application to identify the severity and risk.

Some of the main reasons why your life insurance premiums could be increased or critical illness / income protection exclusions may apply because of your medical history:

  • Medical complications relating to your condition(s)
  • Mortality data
  • Lifestyle

Our team of life insurance experts for pre-existing medical conditions will be able to identify which insurance underwriters will be best for you and your circumstances.


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