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  • Client: Male
  • Age: 43
  • Smoker status: Non-smoker
  • Medical condition: Heart attack, tinnitus, asthma
  • Cover date: 19th June 2019
  • Product type: Level life insurance
  • Cover amount: £300,000
  • Cover term: 18 years
  • Premium: £127.06

We were approached by this gentleman on the 14th March 2019 when he completed an enquiry through our website. Our advisor Alex then called him back to discuss his pre-existing medical conditions and his life insurance needs. At this point he explained that he was looking for £300,000 of cover for an 18-year period, and that he was a non-smoker with asthma, tinnitus, high BMI and he has had a heart attack at the age of 38 that required surgery. Alex then took this information and applied to one of our specialist providers for him due to the age the client suffered his heart attack which meant fewer providers were able to consider offering cover. Despite this, Alex managed to secure him £300,000 of cover for 18 years for a monthly premium of £127.06. This is a fantastic premium considering the client’s medical history and the amount of life cover he required.

Overall, the gentleman was delighted that we have been able to secure him the life insurance that he deserved, and we were able to keep the premiums within his budget as well. We were so pleased that we were able to give the gentleman the peace of mind that he needed, especially as he could be considered to be a more challenging case given the age that he had his heart attack. We love finding cover for people who may have thought that getting protection was impossible, and we want to help as many people as we can to get the protection that they deserve.


  • Client: Female
  • Age: 31
  • Smoker Status: Non-Smoker
  • Cover Date: April 2016
  • Product Type: Decreasing Term Assurance & Critical Illness
  • Cover Amount: £70,000
  • Cover Term: 30 years
  • Premium: £27.48

  • Client: Female
  • Age: 34
  • Smoker Status: Non-Smoker
  • Cover Date: May 2016
  • Product Type: Level Term Assurance
  • Cover Amount: £300,000
  • Cover Term: 35 years
  • Premium: £20.04

  • Client: Female
  • Age: 30
  • Smoker Status: Smoker
  • Cover Date: September 2015
  • Product Type: Level Term Assurance
  • Cover Amount: £100,000
  • Cover Term: 25
  • Premium: £19.05

Aviva's Price - £19.60. Zurich's Price - £24.50

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The Insurance Surgery Ltd is rated 4.8/5 based on 178 reviews. Read our reviews


'The Insurance Surgery were so fantastic.' I have a complicated health history and always assumed I was ineligible for life insurance. I felt really comfortable talking to Andy and felt like he was giving me all the possible options that would work best for me and my family. Thank you! 4.8

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