Business Details
26 Years
experience
Your Trusted Financial Advisers in Macclesfield
The Insurance Surgery has been a trusted name in life and protection insurance for 25 years, specialising in complex cases involving medical conditions and high-risk occupations. Our team of experts provides tailored advice without pushy sales tactics, ensuring clients receive policies suited to their unique circumstances. We pride ourselves on offering free, no-obligation consultations and maintaining transparency throughout the process. Our Price Promise guarantees competitive rates, with a commitment to beat any rival quote and provide a 50 gift card. As part of the Protection Distribution Group and the British Insurance Brokers Association, we uphold industry-leading standards.Our dedicated advisers guide clients through every step, from application to policy reviews, ensuring long-term suitability. We partner with niche insurers to access exclusive products unavailable elsewhere, supporting both individuals and businesses. Our services extend to critical illness cover, income protection, business insurance, and travel insurance for pre-existing conditions. With a focus on client education, we demystify insurance jargon and empower informed decisions. Our track record of positive Trustpilot reviews reflects our dedication to customer satisfaction and ethical practices.
Services
Life Insurance
Income Protection
Critical Illness Cover
Business Protection
Travel Insurance
Details
- Year established: 2000
Highlights and features
- 25 years of specialist experience in complex insurance cases
- Personalised service with no pushy sales tactics
- Price Promise: Beat any rival quote and receive a 50 gift card
- Access to exclusive policies unavailable elsewhere
- Free, no-obligation policy reviews for long-term suitability
Associations and certifications
- Financial Conduct Authority
- Protection Distributors Group (PDG)
- British Insurance Brokers Association (BIBA)
What people say
Expert guidance
Price Promise guarantee
Specialist knowledge
No pushy sales
Excellent support
Services
Life Insurance
We provide tailored life insurance policies designed to protect your family's financial future. Our offerings include term life cover, whole of life insurance, and specialised plans for high-risk occupations or pre-existing medical conditions. Policies can be structured to cover mortgages, debts, or provide ongoing income for dependants.
Income Protection
Our income protection plans replace up to 70% of your income if illness or injury prevents work. Cover options range from short-term solutions to policies lasting until retirement, with deferred periods starting from day one. We specialise in policies for self-employed individuals and those with complex medical histories.
Critical Illness Cover
This insurance provides a lump sum payment upon diagnosis of specified critical illnesses such as cancer, heart attack, or stroke. Funds can be used for medical expenses, mortgage payments, or lifestyle adjustments. We offer both standalone policies and add-ons to existing life insurance plans.
Business Protection
We help businesses safeguard against financial losses through key person insurance, shareholder protection, and group life cover. Our solutions protect company assets, ensure business continuity, and provide employee benefits. We handle complex underwriting requirements and offer tailored policies for various industry sectors.
Travel Insurance
Specialist travel insurance for pre-existing medical conditions and extreme sports enthusiasts. Coverage includes single trip, annual multi-trip, and cruise insurance options. We partner with Staysure to provide comprehensive protection for UK residents travelling abroad, with winter sports and family cover available.
Questions
What types of life insurance do you offer?
We provide term life cover, whole of life insurance, and specialised policies for high-risk occupations or pre-existing medical conditions. Policies can be tailored to cover mortgages, debts, or provide income for dependants.
Can I get income protection if self-employed?
Yes, we specialise in income protection for self-employed individuals. Our policies replace up to 70% of your income if illness or injury prevents work, with options from short-term to retirement-age coverage.
Do you cover pre-existing medical conditions?
Yes, we specialise in insurance for pre-existing conditions. Our relationships with niche insurers allow us to find solutions for complex medical histories, including critical illness cover and travel insurance.
How does business protection insurance work?
Business protection includes key person insurance, shareholder protection, and group life cover. These policies safeguard businesses against financial losses from the death or illness of key individuals or partners.
What is your Price Promise?
If you find a cheaper quote elsewhere, we'll beat the price and give you a £50 gift card. This applies to like-for-like policies, ensuring you get the best value without compromising coverage.
How do I make a claim?
Contact our team to initiate a claim. We'll guide you through required documentation and liaise with insurers to expedite processing. Support includes assistance with medical evidence and claim submission.
Videos
