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Our partners at The Insurance Surgery are the UK’s leading life insurance and travel insurance specialists for people with pre-existing medical conditions, hazardous occupations, extreme sports/hobbies and standard lives.

They offer customers income protection, business protection and individual cover for a large list of possible medical conditions, dangerous occupations and extreme sports.

Their level of customer excellence in the market hasn’t gone unnoticed, especially last year being awarded the Customer Service Award at the UK Broker Awards. This year they were awarded the Platinum Feefo Award of customer excellence, which is proof they go above and beyond for their customers.

Income Protection

First, what is Income Protection? – This is an insurance policy that pays out if you’re unable to work because of injury or illness. Income Protection usually pays out until retirement, death or your return to work, although short-term income protection policies, which last for one or two years, are also available at a lower cost.

There is no restriction as to what illness or injury you have, it’s simple. If you can’t work, you can make a claim. Income protection is different from critical illness insurance, which pays out a lump sum if you fall very ill.

How much does Income Protection pay out?

Income Protection pay-outs are usually based on a percentage of your earnings: 50 – 70% is the normal amount. Income Protection policies are made free of income tax.

Business Protection

Business Protection is an insurance that helps protect a business from the financial impact of key individuals. The type of business insurance covered are:

–        Relevant life cover: One of the best forms of tax efficient business protection for you and your employees.

–        Keyman Insurance: Traditional business protection policy to provide effective cover against the financial loss to your business for a key individual, of whom may die, or get a critical illness.

–        Shareholder Protection Insurance: This type of insurance is designed to help the business and shareholders buy a terminally ill or deceased person’s share of the business

–        Business Loan Protection: Covering any finance secured against your business to protect against the potential for future financial loss.


For those interested in individual cover – Chat with us online or call us here

Terms and conditions apply