Steven Lewis made things smooth from start to Finnish. Was always there on hand either by phone or email to answer any questions or uncertainty I had. I had another quote with another company which... See more
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From being quite an impatient person, and thinking so many things can be straight forward, Well this process has taken over 16 months in total it think. Neil himself has kept to his... See more
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Stephen was very professional and courteous during each call. He provided knowledgable information to allow me to access the best policy to fit my needs. He was patient in explaining the differences w... See more
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Neil was really excellent to deal with. I couldn’t imagine another insurance specialist doing a better job. Whenever I or any of my friends need insurance support we’ll be sure to speak to Neil.... See more
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Company details
- #6 of 51 best companies in Life Insurance Agency
- #1 of 25 best companies in Health insurance agency
- #2 of 20 best companies in Income Protection Insurance Company
- #2 of 228 best companies in Insurance agency
- #6 of 174 best companies in Insurance broker
- #1 of 14 best companies in Term Life Insurance Provider Company
Written by the company
About The Insurance Surgery The Insurance Surgery helps people across the UK find the right life insurance, critical illness cover, income protection insurance and business protection policies. We can help everyone, regardless of their circumstances, with particular expertise in supporting people living with pre-existing medical conditions and those working in hazardous occupations. Whether you're looking for straightforward life cover or need specialist advice due to a complex medical history, high-risk job or lifestyle, our experienced advisers compare leading UK insurers to help you find suitable cover at competitive rates. Established in 1999, The Insurance Surgery is an independent specialist insurance broker with over 25 years of experience helping individuals, families and businesses protect what matters most. We provide expert advice and access to 25 insurers, which include mainstream, specialist and exclusive pilots. We specialise in life insurance for people with pre-existing medical conditions, including cancer, diabetes, heart conditions, stroke, high blood pressure, epilepsy, multiple sclerosis, Crohn's disease, ulcerative colitis, HIV, mental health conditions and many other health concerns. Our knowledgeable advisers understand that finding life insurance with a medical condition can be challenging, which is why we work closely with insurers to help secure the best possible outcome for our clients. We also have extensive experience helping people working in hazardous occupations and high-risk industries, including construction workers, offshore workers, pilots, firefighters, police officers, armed forces personnel, engineers and self-employed tradespeople. We understand the unique challenges these occupations can present when applying for life insurance and protection products. Whether you're looking for life insurance quotes, mortgage life insurance, family life insurance, over 50s life insurance, whole of life insurance, critical illness cover, income protection insurance or business protection, our team is here to help. We take the time to understand your needs, explain your options clearly and guide you through the application process from start to finish. Many of our clients come to us after being declined elsewhere or struggling to find suitable cover due to their medical history, occupation or lifestyle. Our specialist expertise and relationships with leading UK insurers allow us to help customers who may not fit standard underwriting criteria. Our mission is simple: to make finding life insurance and protection insurance as straightforward as possible while providing expert advice, exceptional customer service and access to the most suitable cover for your circumstances. If you're looking to compare life insurance quotes, arrange critical illness cover, protect your income or secure life insurance with a medical condition, The Insurance Surgery is here to help.
FAQ's
Written by the company
- How do I get a life insurance quote?
- Simply complete our contact form or call 0800 083 2829, and we'll discuss your needs, circumstances and budget before comparing suitable options from our panel of insurers.
- Why use The Insurance Surgery?
- We have access to all mainstream insurers, as well as having advisers who are experts in understanding medical conditions and hazardous occupations, helping customers find suitable protection even when their circumstances are more complex. Is your advice free? Yes. Our advisers provide free, no-obligation advice and can help you compare options from a range of UK insurers.
- What is critical illness cover?
- Critical illness cover pays a lump sum if you're diagnosed with a specified serious illness covered by the policy, helping to provide financial security when you need it most.
- Do you offer income protection insurance?
- Yes. Income protection insurance can provide a regular income if you're unable to work due to illness or injury, helping to protect your finances.
- Can I get life insurance after cancer?
- Many people can obtain life insurance after cancer treatment. Eligibility depends on factors such as the type of cancer, treatment received and how long you have been cancer-free.
- Do you help people working in hazardous occupations?
- Yes. We regularly help customers working in construction, offshore industries, aviation, emergency services, the armed forces and other higher-risk occupations.
- What types of insurance do you offer?
- We can help with life insurance, critical illness cover, income protection insurance, mortgage life insurance, over 50s life insurance, whole of life insurance, family protection and business protection.
- Can I get life insurance if I've previously been declined?
- Yes. Many of our clients come to us after being declined elsewhere. We work with a wide range of insurers and can often help find solutions for customers with more complex circumstances.
- Can I get life insurance if I have a medical condition?
- Yes. We specialise in helping people find life insurance with pre-existing medical conditions, including cancer, diabetes, heart conditions, mental health conditions, HIV, multiple sclerosis and many other health concerns.
- Is your advice free?
- Yes. Our advisers provide free, no-obligation advice and can help you compare options from a range of UK insurers.
Contact info
2nd floor, Pickford Mill, SK11 6JD, Macclesfield, United Kingdom
- 0800 083 2829
- enquiry@theinsurancesurgery.co.uk
- the-insurance-surgery.co.uk
Speak to an Expert
5.0
Excellent
2k reviews
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This company invites their customers to review, whether positive or negative
Replied to 100% of negative reviews
Typically replies within 24 hours
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I have great experience with Sam’s…
I have great experience with Sam C support to navigate which insurance is best suitable.
He was very responsive and professional.
Thank you Sam, you are a star.
21 July 2026
Really smooth experience
Really smooth experience. One of their advisers, Sam C, was very quick to respond and have a suitable policy in place with minimal fuss. Thanks
21 July 2026
Unprompted review
I would like to thank Sam Cox for his…
I would like to thank Sam Cox for his diligent work in assisting me with my case. He was sensitive, understanding, and flexible with my availability. Good egg, that guy.
21 July 2026
10/10 Experience
I'm really pleased to have been connected to Steven. After having a shop around and being told I couldn't be covered after having a heart valve repaired at 3 years old and otherwise being a happy and healthy human since for 23 years of my life, needless to say I was rather upset. Steven was lovely and I'm so pleased he was able to find me full comprehensive cover for life, critical illness and income protection if anything was to happen to me. I'm very grateful and would fully recommend.
21 July 2026
Review of my policy was easy and…
Review of my policy was easy and effective. Made changes to suit my changes in circumstances with no issues. This is the second time I have used them now.
16 July 2026
⭐⭐⭐⭐⭐
⭐⭐⭐⭐⭐
Leah Ratcliffe provided an amazing experience with impeccable service from start to finish. She was incredibly helpful, reassuring, and professional throughout, with outstanding manners and a truly exceptional approach. Her care and attention made everything feel smooth and stress-free. Highly recommended!
15 July 2026
Ryan and Julie we brilliant went…
Ryan and Julie we brilliant went through everything thing with me it was a pleasure dealing with a company that listens I would definitely recommend using them great service
13 July 2026
Julie Arthur’s
Julie Arthur’s was always very helpful and informative and went above and beyond to find me the best cover, she was always pleasant and a delight to talk to. Thankyou for all of your help.
16 July 2026
Unprompted review
Placing keyman insurance on our behalf
We had been trying for about 2 years to get keyman insurance for one of our team who is not a UK resident
We had almost given up when we received a marketing email from The Insurance Surgery
Within a very short period of time we had the keyman insurance in place thanks to The Insurance Surgery
Very positive can do attitude and we received excellent client service
Would certainly recommend them
13 July 2026
julie went above and beyond to help me
julie went above and beyond to help me. i woul recommend to anyone. Thanks julie arthurs xxx
15 July 2026
Unprompted review
Life insurance made easy
Tom took time to explain the options and help me to find the right cover for a great price. Great service and very knowledgeable
13 July 2026
Life insurance with medical problems
I needed life insurance for myself and my partner. We both have medical issues so its difficult to find insurance at a reasonable price. Neil Cameron was extremely helpful, we gave him all our details and he searched the best options for us and explained everything clearly. Would definitely recommend
5 June 2026
Unprompted review
The process for getting cover has been…
The process for getting cover has been made really easy and stress free thanks to Stephen Gavrovski. He has been incredibly patient due to myself not being able to pin down a time to talk through, and when we eventually did, Stephen was very clear and broke down all my cover options in a way that i could understand and help make the best decision for what we needed.
10 July 2026
Unprompted review
Stephen Gavrovski has been amazing from…
Stephen Gavrovski has been amazing from start to finish. Was very helpful and knowledgeable considering our relatively complicated search criteria. But he found us the best option and never gave up. Excellent service and communication would 100% recommend.
9 July 2026
Great service
Thomas was great. Always happy to answer questions and made the whole process super easy
9 July 2026
Reply from The Insurance Surgery Ltd
Thank you for sharing your experience with Tom at The Insurance Surgery. We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so.
If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
I cannot be happier with the service I…
I cannot be happier with the service I have received from Julie. She is truly the advisor that knows what she is doing and how to portray it, she knows her providers inside and out and has managed to secure me an amazing policy with underlying neurolgical condition. I highly recommend her and the company to someone who is struggling to navigate around and secure a good deal because of underlying health issues.
8 July 2026
Unprompted review
Reply from The Insurance Surgery Ltd
Thank you for sharing your experience with Julie at The Insurance Surgery. We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so.
If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
Happy with the service I received from…
Happy with the service I received from Thomas Heyes who was calm and understanding when I felt a bit stressed with the joys of moving and taking out a mortgage late in life!
22 May 2026
Unprompted review
Reply from The Insurance Surgery Ltd
Thank you for sharing your experience with Tom at The Insurance Surgery. We strive to provide our customers with the highest level of service and support, and it's always great to hear that we have succeeded in doing so.
If you would like to recommend a friend or family member, you will receive a £50 lifestyle voucher! Share the love: https://www.the-insurance-surgery.co.uk/refer-a-friend-or-family-member-to-the-insurance-surgery/.
Best wishes, Charlotte H @ The Insurance Surgery
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