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From finding the right mortgage to using your home to produce an extra income we can help. We provide specialist insurance help if you live with a medical condition that makes obtaining cover either difficult or expensive

The Insurance Surgery specialises in financial products for clients with pre-existing medical conditions or dangerous hobbies and occupations. We can help source your ideal mortgage and all the related insurance products.


Finding the right mortgage is never easy. Let our specialist guide you through the mortgage maze.

Mortgage Protection (Life Insurance)

Obtaining competitive life insurance for your mortgage can be difficult if you live with a pre-existing medical condition. At The Insurance Surgery, we specialise in finding competitive mortgage protection insurance for clients with medical conditions. If you require Accident Sickness or Redundancy cover to protect your monthly repayments you need to visit our ASU section.

Payment Protection (ASU)

Protecting your mortgage repayments against Accident, Sickness or Redundancy is always difficult if you have an existing medical condition as that condition will almost certainly be excluded from the cover. It is, however, possible to obtain Redundancy cover as a stand alone product. Visit our ASU page to view your options.

Equity Release

Do you own your home but need additional retirement income? There are more and more people who are classed as 'asset rich but income poor'. Equity Release schemes provide a potential solution. If you have a medical condition it is possible that you may also receive preferential terms.

House Insurance

We are able to offer competitive buildings and contents insurance to ensure that all your possessions are properly protected.


We offer a wide selection of products that may be of interest. To see the complete range please click 'all products'

Illnesses we can help with

We can help with a very wide range of conditions and it is always advisable to contact us regarding your personal circumstances. Our success rate will depend on various factors including the type and severity of your pre-existing condition and the type of insurance needed. We have particular success with the following


This is BY NO MEANS an exhaustive list and we recommend you look through our A-Z pages for more information.


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The Insurance Surgery Ltd is rated 4.9/5 based on 187 reviews. Read our reviews

'Simply the best' This company is the top of the insurance business. I found it after having a bad experience with one of the biggest insurers.I thought I would struggle to get insurance. I filled in the enquiry section on there site, and waited for the reply. When it came I was very impressed with the manner in which the information was taken and the speed I got the quote, which was very reasonably priced.I would not hesitate to use this company again and would highly recommend them to family and friends. 4.9

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