Specialist Protection Referral Options

At Paradigm Protect, we know that not every client fits standard protection criteria. That’s why we’ve partnered with The Insurance Surgery, an award-winning and leading specialist in protection cases, to ensure your clients get the expert support they need.
 

Who is The Insurance Surgery?

With over 25 years of expertise, The Insurance Surgery is a specialist protection broker helping clients with medical conditions, high-risk occupations, extreme sports, and other complex insurance needs. Their access to a broad range of insurers and exclusive products ensures solutions even for the most challenging cases.
 

When to Refer?

• Medical conditions that are causing hurdles (e.g. diabetes, cancer, heart conditions)
• Lack of time to search the market
• Unable to access the right insurers
• Clients declined cover
• High-risk occupations (e.g. offshore workers, pilots, divers)
• Extreme sports enthusiasts (e.g. climbers, motor racing)
• Clients who are living abroad 

Types of Protection Covered

• Business Protection
• Private Medical Insurance (PMI)
• Income Protection
• Expat Insurance
• Life Insurance
• Family Income Benefit
• Critical Illness Cover
• Over 50's Cover
• Whole of Life & Inter Vivos Policies
   

How does it work?

Referring to The Insurance Surgery is straightforward. They offer a fully advised service, managing each case from start to finish, completing suitability reports and keeping you updated along the way. 

On every successful application, you’ll receive a 25% referral fee, with no clawback.

Refer a client today!
 

Why refer to The Insurance Surgery?

• Better outcomes for complex cases: 86% of clients have at least one medical condition. The Insurance Surgery has access to the whole of market, alternative providers, and exclusive pilots.
• Expert underwriting knowledge: Their advisers navigate medical and high-risk cases to secure the best possible terms.
• Dedicated support: Your client works with a dedicated adviser, and you’ll have direct contact with their BDM team for case discussions.
• Real-time tracking: A live dashboard lets you monitor every referral in real time.
• Clear, transparent process: Regular updates to ensure full visibility throughout the journey.
• Our advice is completely free: They do not charge customers for advice or support.
• Rated Excellent on Trustpilot: The Insurance Surgery are rated 5-star. Check out some of our reviews below!
• Awarded Best Specialist Protection Broker in 2023 & 2024: Recognised as a reputable referral partner, working with over 200 partners across 3 networks.
   

Case Study – Typical client The Insurance Surgery can help with

Income Protection for Self-Employed Electrician

Client Profile

• Occupation: Self-employed electrician (works at heights)
• Living in rented accommodation with limited savings

Protection Secured

• Policy type: Income Protection
• Monthly premium: £30.00

Outcome
Faced multiple declines elsewhere due to occupational risk. They found a provider who accepted without premium loading.

Life Cover After Stage 4 Bowel Cancer

Client Profile

• Medical Conditions: Stage 4 bowel cancer (diagnosed 2018, all-clear 2023), rheumatoid arthritis

Protection Secured

• Policy type: Decreasing Term Life Insurance
• Sum assured: £152,000
• Term: 25 years
• Monthly premium: £34.40

Outcome
Previously struggled due to medical history. After a 2-month process, affordable cover was secured.

Key Benefits

• Affordable cover despite significant health disclosures
   

Key Person Cover for Director with Complex Medical History

Client Profile

• Age: 35
• Occupation: Company Director (non-smoker)
• Medical Conditions: Raised blood pressure, raised cholesterol, pre-diabetes, tendonitis, NAFLD, sleep apnoea (managed with CPAP), elevated stress (2022)

Protection Secured

• Policy type: Key Person Insurance
• Sum assured: £400,000
• Term: 5 years
• Monthly premium: £49.15

Outcome
The client struggled to find cover elsewhere due to multiple health issues. We secured affordable business protection.

Registration Process

1. Complete a due diligence report (sent by The Insurance Surgery team).
2. Sign the introducer agreement via DocuSign, outlining commission and partnership terms.

Contact The Insurance Surgery

For more information about how The Insurance Surgery can support your clients, contact their expert team:
Email: [email protected] 
Phone: 0800 083 2829 | 01625 913444 | 07513580281

The Insurance Surgery is a proud member of...
 

The Insurance Surgery is authorised and regulated by The Financial Conduct Authority. We are entered on the Financial Services Register No 401425 at https://www.fca.org.uk Registered in England and Wales. No 5137288. Registered and trading from 2nd Floor, Pickford Street Mill, Pickford Street, Macclesfield, SK11 6JD The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.