FREE expert help & advice 0800 083 2829

Contact our specialist team for FREE expert help & advice 0800 083 2829

Business Protection.

Protect your business from financial loss, provide employees with life and health cover benefits and keep revenue generating if a key person is unable to work.

Our Business Insurance Range.

Relevant Life Cover

Offers tax-efficient death benefits for employees (work perks), protecting from financial loss.

Group Life Insurance

Offer your team a life insurance benefit with no underwriting, ensuring a quick application process.

Keyperson Insurance

Effective financial aid to your company from the loss caused by the absence of a key individual.

Shareholder Insurance

Designed to help businesses and shareholders buy a terminal or deceased person’s share.

Business Loan Protection

Properly cover any finance secured against your business to protect against financial losses.

What is business insurance?

There are several types of business insurance and we understand that it can feel overwhelming knowing which type would best suit you and your company.

At The Insurance Surgery, we provide a range of business insurance that focuses on people. We know that without your team your business wouldn’t be what it is today. So protecting from the loss of a key person within the business can be extremely important to consider. Additionally, offering your employees benefits such as life and health insurance – can help retain your best people.

For more information on business protection, speak to an expert today: 0800 083 28 29.

Applying For Business Insurance.

STEP 1

Confirm who you would like to cover how many employees require cover?

STEP 2

We'll ask you a few questions to find the best policy for your business needs.

STEP 3

An expert adviser will search the market to get you the most cost-effective solutions.

STEP 4

You decide which option, and we will help you finalise the documentation.

The Benefits of Business protection:

Life insurance can help your family cover various expenses such as mortgage payments, outstanding debts, education costs, funeral expenses, and everyday living expenses.

The decision to purchase a policy should be based on your individual needs, financial situation, and long-term goals. Consulting with an adviser can help determine whether life insurance is right for you.

Mortgage

Pay off the outstanding mortgage.

Debts

Clear any debts that you may leave behind.

Gift

Leave a gift for family or a charity.

Education

Leave a sum for your family to enjoy education and hobbies.

Income

Replace a spouse’s income with the support of a lump sum.

Funeral

Cover funeral costs and relieve the pressure from your family.

Financial Stability

Risk Management

Employee Security

Continuity Planning

Did You Know

Many business protection policies require medical and sometimes financial underwriting, so consulting a specialist is crucial. We offer free, no-obligation business protection advice. Plus, we handle the entire application process for you, giving you more time to focus on what matters most.

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 policy for you.

Our promise to you.

We take pride in providing excellent customer service that’s why we offer a non-pushy approach and a price promise. To find out more, read our Why You Choose Us page.

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 beat 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.

Dependants, like school-age children.

A partner who relies on your income.

A family living in a mortgaged or rented home.

In the event of your passing, a life insurance policy can provide financial support for your loved ones. You could also consider funeral cover, which pays for funeral expenses – easing the burden on your family during a difficult time.

However, you should check if you’re already covered through your employer’s benefits package, which often includes ‘death in service benefits’ linked to your salary. If so, you might not require an additional policy, BUT keep in mind that leaving your job or being made redundant could leave you without any cover!

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Life Insurance Costs

Your life insurance quote can depend on a wide range of circumstances, including factors like:

Your age

Your lifestyle

Your family’s medical history

Smoker Status

The length of your policy

Your occupation

Medical conditions

For a clearer idea of the average cost of life insurance, visit our Guide.

Life insurance cost, case study.

James is looking for life insurance to cover his mortgage and to give a lump sum to his wife and two children. James had a stroke ten years ago but doesn’t suffer from any symptoms.

We found James the increasing policy below:

Total Cover
Amount:

£750,000

Monthly Premium
Cost:

£41.57

Duration of
Policy:

Until age 70

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Start The Application Process Today.

How do I begin the process?

1

Complete the contact form

Complete the contact form below. Simply add your company name and main contact details.

2

Start the application process

We offer 2 options; request a call now or schedule a call for a better time.

3

We'll sort the rest

Once the application questions are complete, you can relax and we’ll do the rest.

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

What Are the Different Types of Life Insurance Policies?

A term life insurance policy...

Term life insurance policy covers a specified duration, such as 10, 20, or 30 years. Should the insured individual pass away during this period, the policy pays a lump sum to their designated beneficiaries.

Whole-of-Life Insurance.

Whole-of-life insurance covers a person’s entire lifespan, provided premiums are consistently paid. It delivers a lump sum to beneficiaries upon the insured’s death.

Over 50s Life Insurance.

Over 50s life insurance guarantees acceptance without a medical report. With lower cover amounts and fixed premiums, it is used to cover funeral costs or leave a modest inheritance.

How different policies payout over time.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Do you need life insurance for a mortgage?

No, when it comes to getting a mortgage in the UK, having life insurance is by no means a necessity. It is a time, however, when many people begin to look into life insurance quotes to protect their family’s financial security. Whilst majority do not, you may find that some mortgage lenders do stipulate that life insurance is required.

How much life insurance do I need?

Your personal life insurance needs are completely unique to your circumstances. For a clearer idea of your life insurance needs, get a quote from one of our experts or submit your information into our Life Insurance Calculator.

Can you have more than one life insurance policy?

Yes, you are able to have more than one ongoing life insurance policy. If you have doubts about your previous policy, however, and are looking for an updated one please speak to a member of our team – we can look at your current policy details and compare them to newer quotes.

If we can find you a better life insurance deal that offers better cover, or lower premiums we will make our recommendations. We will only ever suggest a switch to a new life insurance provider if we think that it is the right option for you.

Can I get life insurance while pregnant?

Yes, you can take out life insurance when you’re pregnant. In fact, starting a new family is one of the main reasons that people consider life insurance.

Do you have to pay taxes on life insurance payouts?

Most life insurance payouts are not taxed in the UK. You may, however, have to consider inheritance tax following the passing of a loved one.

What age should you get life insurance?

There is no correct age to begin considering life insurance. Everyone has their own needs and reasons when it comes to life insurance. Life insurance tends to be cheaper the younger you are, but most people begin to seek out life insurance quotes when they have a long-term partner, children, or a home.

Members of the PDG.

The Insurance Surgery are members of the Protection Distributors Group (PDG). The PDG aims to help people find the protection they need by encouraging insurers and intermediaries to deliver better consumer outcomes.

Members of the BIBA.

The Insurance Surgery is a member of the British Insurance Brokers Association (BIBA), which represents and protects the best interests of our insurance broker and intermediary members and their customers.

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

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