Insurance Surgery
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Insurance Surgery
The Insurance Surgery is a leading Life Insurance and Travel Insurance expert as well as one of the top specialists for people who are classed as high risk by insurance underwriters. We have many years of experience and our team of insurance experts has helped thousands of individuals, families and businesses to get the right cover at the right price.

The Insurance Surgery is 100% focused on providing an outstanding level of service to all of our clients and making sure that they have the best cover in place at all times.
Payment methods
  • Cash, Debit cards, Credit cards, Mobile payments
Services
Life Insurance Life Insurance is a crucial financial choice with the potential to provide reassurance that your loved ones or business are safeguarded. Despite common misconceptions, Life Insurance is often more affordable than people believe, and therefore within reach for many individuals. By securing this coverage, you can gain financial independence and peace of mind.
Health Conditions & Life Insurance Our team of friendly life insurance experts will help you find the perfect policy for your pre-existing condition, taking into consideration your individual circumstances to protect your family and save you money.
Dangerous Occupations Life Insurance There are a number of dangerous or hazardous occupations when applying for life insurance that will incur special terms or potentially exclusions for critical illness cover or income protection. It is very important if you have a dangerous occupation to apply to the best or most suitable life insurance provider who will offer you the best cover and at the lowest premiums.
Reviews (26)
Ac West Sussex
Ac West Sussex
Mar 27, 2023
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Neil Cameron was excellent. I have struggled for years to get cover due to type 2 diabetes but Neil expertly advised me on products and the application process and got me an offer that was more than acceptable. I don't normally add a review but the service I received was fast and got me what I needed so would 100% recommend. Thanks Neil
Leonard
Leonard
Mar 27, 2023
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Excellent and professional advice we'll experienced staff very happy with the service and advice given
Gm
Gm
Mar 26, 2023
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Jess was amazing - it can be a little embarrassing when you're listing your health issues but she was so friendly and easy to talk to. The process was super easy and that was down to Jess being so fab! Thanks Jess for finding me a policy covering everything I wanted, its one less thing to worry about.
Jamie Brannan
Jamie Brannan
Mar 22, 2023
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Jess Edwards was incredibly helpful in helping me secure life insurance - I felt she very much went the extra mile in working to get me a great deal. She was also very easy to speak to and made what I thought would be an arduous experience very easy!
Hell Richards
Hell Richards
Mar 01, 2023
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After reaching a dead end on insurance due to preexisting conditions, I found this company via Google and boy am I glad I did. I was put in touch with Dianne, who, let me tell you, was a god send. She was a delight to speak to on the phone, was very clear in what was happening and kept in communication on each step until we arranged a cover that was suitable for me. I couldn't sing any higher praises, I am beyond happy with my experience.
Kara Start
Kara Start
Jan 25, 2023
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Could not recommend The Insurance Surgery enough! Suzie provided an amazing service, I had been trying to get cover for years and nobody would provide me with life insurance due to my past medical history. Suzie managed to find my husband and I quotes and have them set up within 2 days. Suzie even managed to find cover for my husband at a much cheaper rate than he been quoted on comparison sites. Exceptional service.
Juan Girones
Juan Girones
Nov 22, 2022
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This company assisted me in getting Life Insurance when all other companies refused me. Sam Cox was extremely professional and knowledgeable. The process was quite long, but following his good guidance I was able to get a highly competitive quote in the end to get life insurance for my new home. Thank you Sam, you are incredible.
Ben Peterson
Ben Peterson
Nov 16, 2022
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Insurance can be a minefield at the best of times. Julie Arthurs, Protection Adviser at The Insurance Surgery, made the whole process easy to understand and was patient and super helpful throughout. Thanks Julie, I would certainly recommend anyone looking for help with understanding what is best for them they should get in touch with you.
S. C.
S. C.
Nov 02, 2022
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Julie was amazing when helping me and my partner arrange life insurance and critical illness cover. She was so patient, kind and understanding of the process. Would definitely recommend.
William Beasley
William Beasley
Aug 15, 2022
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A1 service from the beginning. My own medical history meant the application took some time but Tom Hayes and his colleagues were there all the way. If you want a competent, professional company to deal with you have found the right one. And the 'icing on the cake' is that I now pay half the amount of my old premiums for twice the cover. 10/10 Many thanks
Honey Dylan
Honey Dylan
Jul 06, 2022
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Megan Hammonds has been brilliant at helping me find the best cover. She is patient, understanding and not at all pushy. High recommended.
Grateful Life
Grateful Life
May 09, 2022
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Tom has gone above and beyond.even when I was financially struggling to pay monthly premium, he did everything to ensure I kept my policy. To be so Honest I not encountered any firm to date that super exceeds my expectation. Especially with a medical condition that many Life Insurance Companies don't except But Tom and Company put you the customer at the heart of what they do daily. Tom, Thank You Sincerely. Mish 100% Recommend-Don't go elsewhere
Vicky Bush
Vicky Bush
Feb 09, 2022
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Neil has been very helpful throughout our life insurance process. Things are far from straight forward for myself due to my complicated current pregnancy but Neil has given me hope that once I have my baby I will be able to be covered. Sorted for my husband quickly and efficiently. Thank you Neil.
Lewis Birch
Lewis Birch
Jan 25, 2022
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I dealt with Julie, who was friendly and knowledgeable all the way through the process. I have had an organ transplant and so found it virtually impossible to get any cover. Julie worked with me and although the process took some time, got it all sorted for me. If you are struggling to get cover due to pre existing health conditions then I cannot recommend them enough.
Anne-Marie McBrien
Anne-Marie McBrien
Jan 21, 2022
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I am so pleased to be looked after by Neil Cameron at The Insurance Surgery. Great customer service, helpful advice and never ever any pressure! Navigating the difficult world of insurance has been so much easier with his help and patience. I highly recommend this team!
Miron Ruthayan
Miron Ruthayan
Oct 17, 2021
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As my mum was diabetic finding an insurer for her by myself was harder than I expected with the final premium being much different to the estimate given. Liz at the Insurance Surgery went through the options and made the process quick and much easier. She found an insurer that suited my mum's needs and within the monthly budget we was after. Will recommend to others.
Laura Fell
Laura Fell
Sep 07, 2021
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Dianne has been wonderful throughout the whole process of getting life cover. After being declined from almost every major provider, Dianne was able to to arrange super affordable cover over a long term to give me peace of mind. It's a huge weight off my shoulders! Thanks to Dianne and the team - I highly recommend chatting to the guys at The Insurance Surgery if you have pre-existing medical conditions.
Eloise Williamson
Eloise Williamson
Aug 22, 2021
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Really pleased with the service I received from Dianne. She was helpful and knowledgeable and I feel sure I got the best cover available for me with my pre existing conditions. I was kept up to date with my application and Dianne's calls were on time and not pushy.
Delyth Sharples
Delyth Sharples
Oct 26, 2020
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I cannot recommend this company enough to help find out about life insurance for people with medical conditions. After having pituitary surgery twice I thought, I would never be able to get any form of life insurance until I spoke to Julie from Insurance Surgery Ltd. She was so reassuring, helpful and friendly, quickly looking into my condition and finding out what life insurance, if any, I could apply for. Julie was professional, efficient and explained all of my options allowing me to select the most appropriate life insurance for me.

I would just like to thank Julie for everything she did and look forward to dealing with her in the future about other insurance options. I strongly recommend using this company they were fantastic!
Claire Martin
Claire Martin
Feb 25, 2020
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Amazing customer service from Greg Townsend- what a credit he is to your team. Greg goes above and beyond to meet customer expectations, is polite and so helpful. I cannot thank you enough Greg for everything- you explored so many different alternatives for me when i was running out of options for life cover. Best of all, i was kept updated through the whole process. I would highly recommend! Greg- you have been fantastic!
Catriona Hamill
Catriona Hamill
Nov 19, 2019
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I got in contact with Greg Townsend at The Insurance Surgery when looking for life insurance. I have Lupus so I was finding it difficult to find something suitable and available to someone with my condition. Greg was very helpful and put my mind at ease as I'd never done this before! He kept me up to date through each stage and even sorted insurance out for my partner aswell. Would definitely recommend! Thank you!
Mark Mcshane
Mark Mcshane
Oct 23, 2019
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Needed a policy and read great reviews about The insurance surgery. My advisor/broker was Alex Worthington who I have to say was amazing, answered all of my questions and kept in contact with me throughout the entire process. I have now taken out my policy and would recommend the company without hesitation. Alex your a star!
Tom Robinson-FitzSimmons
Tom Robinson-FitzSimmons
Oct 07, 2019
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Great service great experience, Julie was tremendous I have peace of mind for my family. Julie listened to me very carefully and she found cover for me that is suitable for my family's needs. She was able to achieve this in record time also, excellent customer service, I will most certainly be using The Insurance Surgery again.
Esme Clarke
Esme Clarke
Aug 29, 2019
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Great customer service from Alex Worthington today. I found The Insurance Surgery suggested on Mind's website among others (after being turned down for life insurance before), and it was definitely the best for life insurance out of all the suggestions on there. Alex made this really easy and found me a suitable product and set me up with it so quickly, probably within about half an hour in total. Thanks so much.
Sarah Rawcliffe
Sarah Rawcliffe
Aug 22, 2019
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I just wanted to say thank you to Insurance Surgery for all their help, and in particular, the agent assigned to me, Greg Townsend. He was extremely helpful and professional, but also brought a sense of humour to the process. He took his time to explain everything and went out of his way to get me the best cover possible. I've already recommended the Insurance Surgery to a friend who was having trouble getting insured because of a medical issue. Thanks again for all your help and professionalism, very impressed with the service.
Sarj
Sarj
Dec 30, 2018
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What can i say? Absolutely fantastic service from the first interaction, to the last. For those that have medical conditions, im sure will know how hard it must be to find insurance. I heard about The insurance Surgery, and spoke Alex, who was very professional, and assured me they will find the right insurance for me and not to worry. Within a couple of days Alex came back to me and said, its all sorted, we have found a suitable insurer.

Just to add, the company he found is a very reputable one who came up in the top 5 on 4 different comparison websites. Just want to say a massive Thank You to Alex, who kept me informed at every step throughout my application, and i appreciate all of your time and help.