Income Protection Insurance

The Insurance Surgery has specialised in providing insurance for clients with pre existing medical conditions since 1999.

We also cater for clients in high risk occupations or who are involved in dangerous hobbies/pastimes.

If you suffer from a pre-existing medical condition or are involved in a dangerous occupation or hobby obtaining Income Protection Insurance can be difficult. At The Insurance Surgery we will use our considerable experience to help you obtain the cover you desire at an affordable cost.

What types of cover are available?

The first decision to make is whether you require long or short term cover. A brief description of each is shown below.

Long Term Cover - Sickness

Benefits paid in the event of illness only
Often called a Permanent Health Insurance (PHI)
You can choose when benefits begin (usually between 4 weeks and 2 years)
Benefits usually finish at retirement age
Pre-existing conditions may be included (usually at an extra cost)
Cost of cover varies with age, occupation, health etc.

Short term cover - Redundancy, Unemployment, Sickness, Accident

Benefits paid in event of Accident, Sickness or Unemployment/Redundancy.
Often called an 'ASU' policy or a Mortgage Payment Protection Policy.
Benefits usually begin after being off work for 30 days
Benefits usually finish after 12 months
Pre - existing condition usually excluded
Cost of the cover is relatively inexpensive

At The Insurance Surgery we are pleased to offer both long term and short term cover.

For our short term cover we have teamed up with British Insurance one of the market leaders in this area who are able to provide a highly competitive product that can be tailored to your exact requirements.

British Insurance are a multi-award winning provider who have been recommended by many national newspapers as well as TV and radio including 'Tonight' with Sir Trevor Macdonald! Please click here for more information regarding short term cover.

For our long term cover we recommend Protection Marketing who will evaluate your individual circumstances before recommending a contract they feel will offer a competitive premium for your needs.

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www.the-insurance-surgery.co.uk is a trading name of The Money Surgery Limited which is an Appointed Representative (FSA registration number 511725) of The Insurance Surgery Ltd who are authorised and regulated by the Financial Services Authority (FSA registration number 401425). The Money Surgery Ltd allows The Insurance Surgery Ltd to use this site as a marketing and communication vehicle. All enquiries generated by the site will be handled by either The Insurance Surgery Ltd or The Money Surgery's other commercial partners who will also be regulated by the Financial Services Authority where required. (see terms for full details)