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Guaranteed Acceptance Policies

At The Insurance Surgery, we strive to make sure that our clients are able to access valuable insurance cover whatever their circumstances. In this section, we have a selection of policies where acceptance is guaranteed no matter what your circumstance may be.

Why are Guaranteed Acceptance Polices needed?

There are many reasons that our clients may wish to take out a Guaranteed Acceptance policy such as

  • Pre-existing Medical Conditions
  • High-Risk Occupations or Hobbies
  • Reluctance to provide medical Information
  • Declined Insurance through traditional channels
  • The need for immediate cover

Are Guaranteed Acceptance Polices any good?

As a general rule if you are in good/reasonable health with a mainstream occupation then you will obtain more competitive/comprehensive cover through traditional policies. However, not everyone fits into this criteria and this is why we have sourced these alternative policies.

For example, a client may have a serious illness that has resulted in him being declined life insurance by all the traditional life insurance providers. This leaves his family totally unprotected in the event of his death even if the cause of death is completely unrelated to his illness. By using a Guaranteed Acceptance Life insurance policy we can provide life insurance that will pay out providing the cause of death is totally unrelated to his existing condition. Granted this isn't perfect for the client but it is certainly better than having no cover!

What type of Guaranteed Acceptance Policies do you offer?

We currently offer the following please follow the link to read more:-

Over 50's Guaranteed Acceptance Life Insurance

Guaranteed Acceptance Life Insurance (ages 18-61)

Guaranteed Acceptance Sick Pay Policy (ages 18-61)

Guaranteed Acceptance Health Cash Plan (ages 18-61)

Guaranteed Acceptance Surgical cash Plan (ages 18-61)

Please feel free to click the links above to obtain more details.

As with all Insurance Contracts, it is vital that you read the Terms and Conditions to make sure the policy is suitable for your needs and you should ensure that you fully understand any restrictions relating to existing medical conditions and other potential exclusions.

We also offer a complete range of products from the traditional marketplace.

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The Insurance Surgery Ltd is rated 4.8/5 based on 251 reviews. Read our reviews


'The best broker you can get' Sarah Angel. An angel in name and in facts. She's the customer representative that has spent months in the months in helping me getting the deal I got. Always patient, never given up looking for the right policy and me. Frankly, I never thought a lot about brokers but this company is a blessing to people that cannot get insurances by themselves for health reasons. Thank you. 4.8

feefo Service Rating 4.8/5

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