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Pre-existing medical conditions Life Insurance

The Insurance Surgery is a leading life insurance specialist for people who have pre-existing medical conditions and our team of experts will help find the right cover for you at the right price. We have helped thousands of families, individuals, and businesses to find the cover they need to protect their financial future.

Why use The Insurance Surgery?

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Price Match Promise

Value for money is important to us all… We aim to beat any like for like offer if you manage to find cover cheaper elsewhere. 

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Annual Review Service

Life changes and so do your Life Insurance needs. We aim to keep in touch regularly, to make sure that your family is fully protected.

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Personal Adviser

Our team of highly skilled life insurance experts are here to help. You will get your very own advisor to take you through each step.

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Policy Deed of Trust Service

We will offer to place your policies into Trust for FREE. Trusts help to avoid tax, save time and pay out how you want it to. (“The Financial Conduct Authority does not regulate taxation advice”)


Below is our summary of how Pre-Existing Medical Conditions may affect your insurance needs.

If you suffer from pre-existing medical conditions and you wish to apply for Life Insurance it may be possible to secure you cover, however at this moment in time we have insufficient data to provide an accurate assessment. It will, therefore, be necessary to gather some details to allow us to supply you with a no-obligation estimate. The cost of your life insurance will depend on the severity of your medical condition. We may be able to obtain standard rates for certain conditions or in the worst case scenario cover will be declined (we do however have an alternative solution if this is the case) Whatever your medical condition or your circumstances you can be assured we will aim to find the most competitive life insurance policy available.

Click here to visit our Life Insurance page...
Critical Illness Insurance may be available for your pre-existing medical condition dependent on the severity of the condition. It may be possible to obtain full cover at no extra cost or sometimes cover is available with certain exclusions.

Click here to visit our Critical Illness page...
Income Protection Insurance is extremely valuable to maintain your standard of living if you are unable to work. Obtaining income Protection can be difficult if you have a pre-existing medical condition and we will attempt to find you the best deal on the market. We will take the details regarding your medical conditions and supply you with an honest assessment regarding the availability of income protection insurance.

Click here to visit our Income Protection page...
If you have a pre-existing medical condition it can be difficult to obtain Private Medical Insurance. We will guide you through the application process and put you in touch with Medical Insurance experts who will be able to advise if the cover is available for your medical conditions.

Click here to visit our Private Medical Insurance page...
If you have a pre-existing medical condition you should always declare the condition when you apply for travel insurance. At The Insurance Surgery, we enable you to simply input the details regarding your medical condition just once yet receive quotations from over 20 travel insurance companies. By using The Insurance Surgery Travel Insurance Wizard you will have the peace of mind that your condition is correctly covered.

Click here to visit our Travel Insurance page...
If you have pre-existing medical conditions and you wish to apply for Keyman life insurance it may be possible to secure you cover with an increase in premium . It will, however, be necessary to obtain full details of your illness to obtain a definite quotation for Keyman life insurance. Please note this information is for illustration purposes only and we cannot guarantee that a client who has pre-existing medical conditions will obtain Keyman life insurance.

Click here to visit our Key Person page...
Impaired Life Annuities and Enhanced Annuities are available for clients with pre-existing medical conditions. If you are about to retire and are looking at purchasing an annuity you should consider the impaired or enhanced route as this may increase the level of your income by up to 40%. The level of increase will depend on the perceived severity of your medical condition.

Click here to visit our Annuities page...

The Insurance Surgery specialise in obtaining financial services for clients with Pre-Existing Medical Conditions. Whether you are looking for Life Insurance, Travel Insurance, Income Protection Insurance or would just like to obtain some information we will do our utmost to help.

We have since 1999 helped thousands of clients obtain cheap competitive insurance for their medical conditions.

We also offer information on Impaired Life Annuities and Care Home Insurance Plans for clients with Medical Conditions.

If you suffer from Pre-Existing Medical Conditions and you require a quotation for life insurance please note that we guarantee to obtain the most competitive life insurance quotes on the market.


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The Insurance Surgery Ltd is rated 4.9/5 based on 320 reviews. Read our reviews


'The best broker you can get' Excellent service, professional, polite, patient, informative and saved me so much hassle. They got me and my girlfriend an excellent deal and would recommend them to everybody. 4.9

feefo Service Rating 4.9/5

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