Skip links

Specialist Life Insurance Broker.

As an award-winning broker, we’ll find your ideal life and protection policy for yourself, your family, or your business.

Life Insurance | Critical Illness Cover | Income Protection | Business Protection.
Get a quote

Find the right policy for you.

As an award-winning life and protection specialist, we are loved by our customers. We will support you with your application from start to finish to ensure you get the best policy suited to your circumstances.

Our advisers will always break down the stuffy insurance jargon, so you clearly understand your policy and why it’s important.

For more information on why we are award-winning, visit our ‘Why Choose Us‘ page.

We’re part of the Protection Distribution Group to drive better and fairer customer outcomes.

Insurance services provided.

life insurance_family

Personal protection comes in many forms, we offer a range of financial tools such as life insurance, income protection, critical illness cover and private medical insurance.

View all products

business protection_Insurance

Protection your business and employees with business insurance, we offer keyman, shareholder, relevant life, business loans and group life insurance.

View all products

Travel insurance_men sailing

We’ve partnered with StaySure to bring you specialist travel insurance – StaySure are expert at obtaining travel insurance for those living with a medical condition. Find out more today.

View all products

Women in wheelchair having breakfast_medical conditions_life_insurance

In 2023, we supported 548 different medical conditions. As specialists, we have access to both mainstream and specialist insurers, along with exclusive products available only to reputable insurance brokers.

View all products

Press_in_dangerous_area_dangerous_occupations life insurance

To ensure you are fully covered at work, find life and protection insurance that guarantees a payout. The Insurance Surgery has 25 years of experience helping various occupations, from oil rig workers to account managers.

View all products


Our team of experts work with a wide range of professional and amateur athletes to find them the right cover at the best price. We understand that your needs differ – professional sports life insurance is one of our specialities.

View all products

Expert support from start to finish.

Dedicated Adviser

You’ll only speak to one person throughout the application process.

No pushy sales

We want the best for you, so will never try any pushy sales techniques.

Price promise + £50 gift card

If you find a better price elsewhere, we will beat it and give you a £50 gift card*.

Trust Service

We provide full support in setting up a trust for your policy.

Free advice

We always offer free advice and will never charge you for this support.

Free No Obligation Policy Reviews

To ensure your policy is suitable for your needs, we’ll carry out free policy reviews.

Why is financial protection important?

You never know what tomorrow will bring, but you can prepare for it. That’s why personal and business protection is so important. By having a financial backup plan, you can look to the future with confidence, knowing that your lifestyle won’t have to change if the unexpected happens.

Check out Desmond’s story on why life insurance was important to him.

Price Promise + £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, guaranteeing you the best price.

Price Promise Banner

What stands us apart.

Best Specialist Intermediary 2023

Rated 'Excellent' on Trustpilot

More than 25 years of experience

Access to wide range of insurers

How does it work?

It’s easy to contact us, simply complete the contact form and select how you want to continue the application process.

Complete the contact form

Hit the ‘Get a Quote’ button and complete the contact form. Simply add your name, email and phone number.

Start the application process

We offer 3 options; you can continue the application online, request a call now or schedule a call for a better time.

We'll sort the rest

Once the application has been finalised, you can relax knowing you, your family or your business are protected.

For more information, check out our latest articles.

Members of the PDG.

The Insurance Surgery are members of the Protection Distributors Group (PDG). The PDG aims to help people find the protection they need by encouraging insurers and intermediaries to deliver better consumer outcomes.

Protection Distributors Group_logo

Members of the BIBA.

The Insurance Surgery is a member of the British Insurance Brokers Association (BIBA), which represents and protects the best interests of our insurance broker and intermediary members and their customers.

British Insurance Brokers Association

*Terms and Conditions.

These terms and conditions are promoted by the Insurance Surgery, whose registered office is at 2nd Floor Pickford Street Mill, Pickford street, Macclesfield, SK11 6JD.

To be eligible for a gift card you must be a UK resident aged 18 or over.

In order for you to receive the voucher, you will need to have a minimum monthly premium of £20 and the policy to be live for a minimum of three months.

You must make all payments to your policy each month and in full.

If the policy taken out falls into arrears or lapses, then you will not be eligible for a gift card.

This offer is valid until 31st March 2025. However, should we decide to extend the offer, we reserve the right to do so, updating our terms and conditions accordingly.

The gift card is issued via Lifestyle and can be used at more than 250 of the UK brands. For more details about the brands included, please visit By clicking this link, you will be leaving the regulated site of The Insurance Surgery. The Insurance Surgery is not responsible for any content posted by a third party within a non-regulated site.

You will be sent a link to claim your gift card. The gift card will expire 2 years after being issued and any outstanding balance will be lost; No cash alternative will be offered.

We reserve the right to refuse issue of the gift card should we suspect foul play; We reserve the right to cancel or modify these terms and conditions at any time and at our sole discretion; Our Privacy Notice explains how your data will be used.