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

Charity Support Scheme

Protect the financial security of your loved ones after your passing when you find the perfect life insurance policy for you with The Insurance Surgery.

Welcome To The Insurance Surgery Charity Support Scheme

Established in 1999, we are the first UK insurance broker to specialise purely in providing financial services to clients who suffer from pre-existing medical conditions. We have the necessary experience to help guide clients with health problems towards the products that will be the most suitable for their particular pre-existing medical condition. During this time, we have been trying our hardest to help charities along the way and have consequently created links with a number of charities, such as Mind charity, Macmillan Cancer Support and MS-UK (visit our charities we support page for a full list). From bake sales to races we have had tried our hand at numerous different fundraising events, we are passionate about protecting families and want to help people any way that we can.

How do I get involved in the Charity Support Scheme?

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.

Click Here To Register

Email The Insurance Surgery Ltd

Or call 0800 083 2829 and ask any of our friendly staff

Examples of our Charity Work

Nov 2019: Purple Tuesday

Purple Tuesday 2019 is an international call to action, focused on changing the customer experience for disabled people. It will involve organisations of all sizes and from all sectors taking decisive, practical actions to meet the needs of disabled customers.

https://purpletuesday.org.uk/ | Telephone: 01245 392300

Nov 2018: Children’s heart surgery

In November 2018 went to visit the Children’s Heart Surgery Foundation and donated £500 to the charity after it was nominated by our customer Matthew. It was truly an inspirational and amazing experience and we were touched by all the stories we were told about the children and families that they have helped over the years.

Sep 2018: Circus Starr

In September 2018 we attended Circus Starr’s charity circus event, donating £500 to help fund their events. They are a circus specifically tailored to helping children with disabilities, low income families, those who may be facing challenges such as domestic violence, bereavement or who may be living with life-limiting conditions. It was such a proud moment to be able to contribute to making the event possible and to see all the children’s smiles.

Sep 2018: Macmillan

In September 2018 we hosted our own Macmillan Coffee Morning in aid of Macmillan Cancer support. One in two people will face cancer and the money that we raised will help make sure that no one has to do it alone.

Jun 2018: Race for life

In June 2018 our colleagues Hollie and Laura ran the Race for Life – Pretty Muddy 5K to raise money for Cancer Research. They managed to complete the course in 46 minutes and raised an incredible £510! We are immensely proud of them for this achievement and we are so pleased that they managed to raise so much for Cancer Research.

Apr 2018: Bowel cancer

In April 2018 we hosted our own bake sale for Bowel Cancer UK as part of Bowel Cancer Awareness Month. It was a wonderful chance to raise money and awareness for a great cause as 54% of bowel cancer cases in the UK were preventable. We want this number to be 100% and every penny helps them to reach this goal.

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

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.

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

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

Family

By Policy

Helpful Information

Life and Health Insurance for Business

Specialised Business Insurance

Helpful Information

Charity Support Scheme

Welcome To The Insurance Surgery Charity Support Scheme

How do I get involved in the Charity Support Scheme?

Examples of our Charity Work

Nov 2019: Purple Tuesday

Nov 2018: Children’s heart surgery

Sep 2018: Circus Starr

Sep 2018: Macmillan

Jun 2018: Race for life

Apr 2018: Bowel cancer

Life Cover Terminology

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Life Insurance Costs

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.

Total Cover Amount:

£750,000

Monthly Premium Cost:

£41.57

Duration of Policy:

Until age 70

How much cover do you need?

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:

Friday:

Facts About Life Insurance.

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...

Whole-of-Life Insurance.

Over 50s Life Insurance.

How different policies payout over time.

Benefit from Our Life Insurance Policies Today.

Price Promise.

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

Frequently Asked Questions

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

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

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

Life Insurance for Sports & Hobbies