Please wait while the policy is loaded. If it does not load, please click here. Life Insurance for over 50’s, and people with Pre-Medical conditions – Home Sight

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The UK’s No1 Life Insurance Broker offering Life Insurance for over 50’s, and people with Pre-Medical conditions

The Insurance Surgery is a Life Insurance and Travel Insurance Specialist for people with Pre-existing Medical conditions, “High Risk patients”, Hazardous Occupations, Extreme Sports/Hobbies, and people with standard lives.

The Insurance Surgery operates since 1999 and has a wide variety of products to offer. They are also the first, and only, broker in the UK that offers a gender preference advisor service to its customers. It is a unique company as they operate independently but have access to all leading and specialist providers in the market.

They have been nominated for multiple awards including Cover Excellence, Cheshire Business Awards, UK Broker Awards, and the Health Insurance & Protection Awards.

They work with a lot of partners to be able to give you the best product on the market. They work with Aegon, AIG, Aviva, AXA, British Friendly, The Exeter, Guardian, HSBC, Legal & General, Love, Royal London, Scottish Widows, Vitality, Zurich, and many more.

If you are classed as “high-risk” and struggling to get insurance, look no further. 70% of customers who get declined elsewhere, get accepted through The Insurance Surgery. They also offer products that are not available to the whole market, and can only be accessed through them.

The Insurance Surgery offers a wide variety of Covers that would cater for anyone’s needs. They are dedicated to giving you the best product for the best price.

Here are only a few products they specialize in:

Life Insurance

  • Over 50s Life Insurance
  • Whole Life Insurance
  • Income Protection
  • Critical Illness Cover
  • Private Medical Insurance
  • Business Insurance
  • British Expat Life Insurance
  • Specialist Travel Insurance
  • Life Insurance Review
  • Family Income Benefit

Medical Conditions

  • Cancer
  • Diabetes
  • Obesity
  • High BMI
  • HIV
  • Heart
  • Mental Health
  • Ulcerative Colitis
  • Crohn’s
  • Other

Dangerous Occupations

  • Armed Forces
  • Police
  • First Service
  • Aviation
  • Offshore Workers
  • Other

Extreme Sports

  • Sailing
  • Rock Climbing
  • Winter Sports
  • Motor Sports
  • Scuba Diving
  • Other

And Many More options on their website.

Life insurance is one of the most important financial decisions one can make. It gives you and your family freedom in knowing that you and your business are protected. People often think Life Insurance is more expensive than it really is.

The other great part is that they offer different types of Life Insurance.

Life Insurance that covers and protects your loved ones, pay of the mortgage and also covers all funeral costs. Over 50’s Life Insurance, a policy which will never be declined as all over 50’s are able to take this out. No medical exam is required and they cover up to the amount of £40 000 for family and funeral costs.

Whole of Life Insurance which provide cover for the entirety of the policyholder’s life and not just for a certain term. This Insurance covers funeral expenses, help pay Inheritance tax, and leave financial security for family and friends.

Family Income Benefit is also a great Insurance that pays out regular income rather than a lumpsum upon death, its tax free and is cheaper than life insurance.

Even if you think you don’t need any Insurance or already have Insurance, you can still get a policy review just to make sure you are on the best plan for your life. It is always a good idea to review your Insurance plans as people’s circumstances change, jobs, salary or medical conditions change throughout their life.

This also means your type and amount of Life Insurance might change and also the price you pay every month.

If you had any changes with a New House, Children, Divorce, New Job or Inheritance Tax planning then you need to have a look at your policies and get a review as soon as possible.

Do yourself a favour and get a FREE quote for that peace of mind today.

If you suffer from any Medical Condition, don’t think there is no Life Insurance for you.

The Insurance Surgery is there to help you even if you had been living with a pre-existing medical condition. Being in business for 20 years they know exactly how to make your application as stress-free as possible. They offer Life Insurance for more than 130 different medical conditions.

The right life insurance for Hazardous & Dangerous Occupations can be hard to find.  But it is more important to make sure you find the right and most suitable cover at the best price.  It is also very important to choose an insurer with a strong underwriting criteria, as the policies can vary dramatically.

The Insurance Surgery has an extensive list of jobs that they cover and their life insurance policies won’t disappoint.

They also provide Business Protection Products for Hazardous Occupations.

People who compete in Extreme Sports or Professional Sports know how difficult it can be to obtain Life Insurance, Critical Illness Cover, or Income Protection.  Due to the increased risk in some sports, insurers will incur ratings or special terms depending on the level of involvement or severity.

These days there are so many more extreme sports than before, and some insurers will only cover some or part of that.

The Insurance Surgery has a wide range of sports that they cover at affordable prices.  They have worked with thousands of families, businesses, and individuals to help get the right products.

If you would like to know more or even get a free quote, click on the button below.

Life Insurance

The Insurance Surgery will always help you find the best product for your needs at the best price, due to their long-standing experience. It is definitely worth getting a FREE of charge quote just to make sure you are on the best policy for your life’s needs.

And if you are still not 100% convinced if The Insurance Surgery is for you, please read their excellent reviews.. They have 5 star reviews on Truspilot and Feefo.

Here are some of their reviews:

‘ Absolutely brilliant ‘

Incredibly helpful and supportive, Mark was absolutely brilliant in finding and securing the right policy. I recommend it without hesitation. Thank you!

After my initial enquiry I received a call immediately and Megan was extremely knowledgeable and found me affordable life insurance which met my needs. She explained everything fully to assist me to make my decision.

‘ Got me cover when no one else could. ‘

I had basically given up hope on getting any form of life insurance in place. After speaking to multiple companies and going through the list of questions they had. I’d get one of two responses either “they would get back to me” (which they never did) or “they couldn’t cover me”. I came across the Insurance Surgery by chance. I spoke with Samuel H. We discussed my past medical history (I had brain surgery about 8 years ago) and he was able to recommend a couple of products that would suit my requirements at this moment in time, and much to my surprise they were reasonably priced. We also discussed options that would be available in the future if I made some life changes, such as giving up smoking. (I can hear the non smokers calling me a moron already) Sam was first class to deal with, he wasn’t pushy or tried to make me take on something that didn’t meet my requirements. He supplied me the information for me to review and make an educated judgement if I wished to proceed. I can’t thank the Insurance Surgery enough for getting me cover. I would highly recommend them to anyone, even more so if you find yourself in a position where you have had health problems in the past and no one wants to look at you.

‘ Brilliant! ‘

Couldn’t recommend this company enough, a fantastic team of people who helped with everything and kept me updated with every step.

‘ Excellent service throughout ‘

Excellent service throughout, very helpful and happy to spend time making sure they have all the details to get you the right policy. Lots of updates during the process really helped to understand where things were. Very happy – thank you.