The Insurance Surgery | Feb Update 2025

18 February 2025

As a specialist protection broker, we support customers with complex needs every day. Here are the latest updates from The Insurance Surgery and some of the requests we have supported in 2025.  
 
Inheritance Tax & Life Insurance

We’ve been inundated with requests to support customers with life insurance to cover their inheritance tax.
 
If you have a customer that requires a Whole of Life or an Inter Vivo policy for IHT purposes – get in contact, as we may be able to help.

Case study: Hole in the heart

The client had a medical history that meant she was told by other brokers that she would never get life insurance – it took us 11 months, but we finally found the client cover.
 
The medical conditions included:

• Hole in the Heart – No ongoing complications.
• Stroke – Managed with no recent issues.
• Migraines – Occasional but not severe.

Through our expertise, we secured a life insurance policy:

• £100,000 sum assured
• 40-year term
• £21 per month
• No exclusions for pre-existing conditions

Julie’s client was so pleased with her efforts that she bought a beautiful bunch of flowers and left this lovely review below;

"My adviser Julie worked on my application tirelessly for 11 months. My GP surgery was a nightmare and held up the whole process but Julie persisted and even though I'd been told countless times I can't have Life Insurance because of my complicated health history, Julie proved this wrong. I now have a policy! Highly recommend.”

Rated 5 stars on Trustpilot

Case Study: Brain haemorrhage, back pain and fatty lump.
 
A client sought life insurance, critical illness, and income protection cover but faced challenges due to a history of:

• Brain haemorrhage
• Benign fatty lump
• Back pain

We secured the following policies to provide a comprehensive financial solution:

Life & Critical Illness:

• £133,000
• 28 years
• £78.85/month

Income Protection:

• £2,000/month
• 13-week deferment
• £15.07/month

Refer to The Insurance Surgery

For more information on the topics listed in this email, speak to the partnerships team on 01625 913444 or start a live chat here.
 
The Insurance Surgery Partnerships Team  0800 083 2829