FREE expert help & advice 0800 083 2829

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

Life insurance referral centre.

You may have found it difficult to secure life insurance with life insurance referral centre. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is life insurance referral centre?

Refer clients to a specialist life & protection broker.

“The referral process is efficient, transparent, and hassle-free. Allowing my team and I to focus on other key areas of the business.”

Darren Polson
Head of Mortgage Operations at Aberdein Considine

Save Time and Compliance Headaches by Referring Protection.

Managing protection can be time-intensive, and clients often have unique protection requirements. By directing clients to a protection specialist, you can be sure that they will receive our full dedication and support. This, in turn, will fulfil consumer duty obligations whilst your clients obtain suitable protection cover.

Financial businesses, such as mortgage brokers, financial advisers, accountants and wealth management companies, partner with us to refer clients who require protection advice. Freeing up their time to focus on other areas of their business.

Our Protection Products Include:

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.

Life insurance

Income protection

Critical illness cover

Expat Insurance

Private Medical Insurance

Group Insurance

Keyperson Insurance

Shareholder Insurance

Relevant Life

Over 50’s

Whole of Life

Intervivos | Inheritance Tax

Exclusive access to products

Due to our 25 years in the specialist industry and outstanding reputation, we have been provided with exclusive access to products that are not available on the whole market. Allowing us to provide lower rates for a range of medical conditions.

Complex Case Experts

We can help everyone find suitable protection. Our expertise extends to helping those who find it hard to obtain life insurance. Whether you don’t have time, access to the right insurer or your client has been declined, The Insurance Surgery is here to help.

102,000 People Helped

We’re rated ‘Excellent’ across major review platforms, underscoring our exceptional customer service. Our approach is non-pushy and coupled with extensive industry knowledge and expertise. This allows us to deliver protection solutions to personal or business clients.

How to become an introducer.

Dependants, like school-age children.

A partner who relies on your income.

A family living in a mortgaged or rented home.

Becoming an introducer to The Insurance Surgery is simple. Check out the video for more information on the steps to become a referral partner.

Last year we helped thousands of customers find suitable and affordable cover, with our excellent customer service, expert knowledge and access to exclusive products that are not available to the whole market – we can find cover for the clients that you can’t.

As a specialist protection broker, 86% of our customers are living with at least one medical condition.

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.

You’ll work with an award-winning team.

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.

Become an introducer to the Insurance Surgery.

By completing the form below, you will be completing the administrative steps to becoming an introducer to the Insurance Surgery. Once the form has been completed a member of the partnerships team will send a welcome email along with an introducer agreement (detailing commercials) and a due diligence questionnaire (to ensure compliance is verified) via DocuSign.

The next step is to then schedule a 30-minute onboarding call to go through the referral process. Additionally, you can schedule a call with the partnerships team using the meeting calendar below.

Complete the registration form below

Complete the introducer agreement and due diligence report

Complete the registration form below

Please note; that the Managing Director is required to sign the IAR (introducer) agreement.

For any questions relating to the registration process, please email: [email protected]

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

Register to refer clients to The Insurance Surgery.

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

Meet the Team.

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.

Speak to a member of the partnerships team.

Have a question and want to speak to someone, schedule a call at your convenience.

Alternatively call us now on: 0800 083 2829

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

What Are the Most Dangerous Occupations?

Is Income Protection Insurance Worth It?

Life and Health Insurance for Business

Specialised Business Insurance

Helpful Information

What is Income Protection

Is Income Protection Insurance Worth It?

Life insurance referral centre.

What Is life insurance referral centre?

Save Time and Compliance Headaches by Referring Protection.

Our Protection Products Include:

Mortgage

Debts

Gift

Education

Income

Funeral

Exclusive access to products

Complex Case Experts

102,000 People Helped

How to become an introducer.

Life Cover Terminology

You’ll work with an award-winning team.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Become an introducer to the Insurance Surgery.

Complete the registration form below

Complete the introducer agreement and due diligence report

Complete the registration form below

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

Register to refer clients to The Insurance Surgery.

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

Meet the Team.

Speak to a member of the partnerships team.

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

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