Dealing with the unexpected: Diabetes
[vc_row][vc_column][vc_column_text]At The Insurance Surgery, we understand navigating life insurance with a pre-existing condition like diabetes can be confusing. That’s why we’re partnering with Diabetes UK for the next three years. Together, we’ll be creating informative resources to empower people with diabetes to make informed decisions about life insurance. For this article, we’ve gathered some information […]
Do You Need Life Insurance for a Mortgage?
[vc_row][vc_column][vc_column_text]As you embark on the journey of homeownership, you’re faced with a myriad of decisions, from choosing the right property to securing a mortgage. Among these decisions is the consideration of whether to purchase life insurance. While it may seem like an additional expense, understanding the importance of life insurance in relation to your mortgage […]
How to work out your BMI.
[vc_row][vc_column][vc_column_text]When assessing whether to offer you a life insurance policy and deciding which terms you will be offered, insurers take into account many different aspects of your day-to-day life. This can include what you do in your spare time, what kind of job you have and your overall health – both mental and physical.[/vc_column_text][vc_empty_space][vc_single_image image=”21110″ […]
Does life insurance cover suicide?
When an individual’s family claims life insurance, few topics are as sensitive and complex as those surrounding suicides. Contrary to a straightforward “yes” or “no” response, the handling of suicidal death claims in the UK can be complex and subject to various factors. One crucial aspect that shapes the outcome of such claims is the […]
Is life insurance inheritance taxable?
Understanding what life insurance is can bring about a host of questions, especially regarding taxes and how they may affect your policy’s payout. It’s essential to know the ins and outs of life insurance taxation to ensure that your loved ones receive the intended financial support without unexpected deductions. Life insurance provides a lump sum […]
How to choose life insurance.
Life insurance is one of those topics that many of us prefer not to dwell on too much. However, ensuring that you have the right policy in place is a crucial aspect of financial planning. By overlooking life insurance, you leave your family at risk of becoming vulnerable to financial hardship if you were to […]
Does private health insurance cover cancer?
Private Medical Insurance (PMI) can offer valuable peace of mind, particularly for those facing health challenges like cancer. However, it’s essential to recognise that not all policies are created equal, and understanding the terms and conditions of your specific policy is crucial to making sure you have the cover you need when you need it. […]
Can you have more than one life insurance policy?
When you take out a mortgage or other significant financial arrangements are made, financial advisers may refer you to an insurance broker to consider life insurance. If this is the case, but you already have a policy in place, you might wonder whether it’s possible to amend or add to your life insurance cover to […]
HIV & Income Protection – Case Study
Name: Edward Age: 34 Occupation: Graphic Designer – Freelance Health Condition: HIV Edward, a talented graphic designer has been living with HIV for a number of years and has effectively managed his health condition through medical treatment and a healthy lifestyle. Edward’s initial efforts to obtain income protection cover were met with disappointment, as conventional […]
Stroke – Case Study
Jane was a healthy, vibrant 52-year-old when she suffered a stroke. After months of rehabilitation and therapy, she was almost back to feeling herself. The stroke left her with a high risk of stroke recurrence. Jane realised that your life can be turned upside down in a second, so she wanted to protect her family if the […]