Insurance
Protection that safeguards what matters.
We’ve helped thousands of clients secure the right insurance for their needs…
What is Insurance?
Insurance policies can help protect yourself, your family, and your assets from unexpected events. They can provide you with financial security in worst-case scenarios, whether that’s damage to your home, a serious illness, or a loss of income.
At Boon Brokers, our insurance brokers can help you explore the wide range of policies available, explaining coverage, premiums, and terms so you can protect what matters to you.
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- Whole-of-market advice
- Regulated and directly authorised by the FCA
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Frequently Asked Questions
What Is Protection Insurance?
Protection insurance is a type of cover designed to give you a financial safety net, helping you stay secure during a time of need. It typically includes policies that protect your income, your ability to work, and your family’s financial wellbeing if you are unable to earn due to illness, injury, or death.
Unlike savings or investment products, protection insurance is there purely to help you and your loved ones cope with the unexpected, covering gaps in income that could otherwise cause stress during difficult times.
Unlike savings or investment products, protection insurance is there purely to help you and your loved ones cope with the unexpected, covering gaps in income that could otherwise cause stress during difficult times.
Why Is Protection Insurance Important?
Protection insurance matters because life can be unpredictable, and losing income, even temporarily, can put massive strain on your finances.
Whether you’re buying a home, starting a family, or planning for the future, making sure that you have the right protection in place can help you meet your regular bills, keep up with mortgage payments, and maintain your standard of living if you’re unable to work.
Whether you’re buying a home, starting a family, or planning for the future, making sure that you have the right protection in place can help you meet your regular bills, keep up with mortgage payments, and maintain your standard of living if you’re unable to work.
What Does Life Insurance Cover?
Life insurance is designed to give your loved ones financial support in the unfortunate event that you pass away. It provides a one‑off payment that can help cover everyday bills, repay debts like a mortgage, or be used to help maintain your family’s standard of living.
Life insurance policies can vary, but most pay out should a death occur within the agreed term, ensuring your family has the resources they need during a difficult time.
Life insurance policies can vary, but most pay out should a death occur within the agreed term, ensuring your family has the resources they need during a difficult time.
What Does Income Protection Cover?
Income protection insurance helps replace part of your salary if you’re unable to work due to illness or injury. Instead of a one-off payment, it provides a regular income, usually until you can return to work, reach retirement age, or the policy term ends.
This type of cover is especially helpful if you don’t have sick pay or would find it difficult to manage financially without a steady income. It gives peace of mind that your essential bills and commitments can still be covered while you focus on getting better.
This type of cover is especially helpful if you don’t have sick pay or would find it difficult to manage financially without a steady income. It gives peace of mind that your essential bills and commitments can still be covered while you focus on getting better.
What Does Critical Illness Cover?
Critical illness cover provides a lump sum if you’re diagnosed with a specified serious illness during the policy term. These illnesses will be listed in your policy terms and can include conditions like heart attack, stroke, or cancer, among others.
The lump sum payment can be used however you choose, whether that is to help cover household costs, adapt your home, pay for private treatment, or to reduce mortgage debt.
The lump sum payment can be used however you choose, whether that is to help cover household costs, adapt your home, pay for private treatment, or to reduce mortgage debt.
What Could Stop an Insurance Payout?
An insurance payout can be refused if the policy conditions aren’t met. Some of the most common reasons include:
Being honest and thorough when you apply, and taking the time to review your policy carefully, can help reduce the risk of any issues when it comes time to claim.
- Not disclosing relevant medical history when applying
- Making a claim for something not covered by your policy
- Missing premium payments
- Providing incorrect or incomplete information on your application
Being honest and thorough when you apply, and taking the time to review your policy carefully, can help reduce the risk of any issues when it comes time to claim.
How Much Cover Do I Need?
The right amount of cover will wholly depend on your personal circumstances, including your income, monthly bills, outstanding debts like a mortgage, and how many people rely on you financially.
A simple rule of thumb is to consider what your household would need to maintain day-to-day life if you were no longer able to work or provide for your family. Everyone’s situation is different, so taking the time to estimate your needs carefully can make a real difference in choosing the right level of protection.
A simple rule of thumb is to consider what your household would need to maintain day-to-day life if you were no longer able to work or provide for your family. Everyone’s situation is different, so taking the time to estimate your needs carefully can make a real difference in choosing the right level of protection.
What Type of Policy Is Best?
There’s no single “best” policy, and the right choice will depend on your priorities and personal circumstances. Some people choose life insurance for family protection, others prioritise income protection if they want to protect their salary, and some add critical illness cover for an added financial safety net.
Policies can also be combined or structured differently depending on what you want covered, how long you need protection for, and your budget. A tailored approach ensures you get cover that makes sense for you, rather than a generic policy that might not fit your needs. At Boon Brokers, we can guide you through the options, compare policies across the market, and help you choose the protection that’s right for your circumstances.
Policies can also be combined or structured differently depending on what you want covered, how long you need protection for, and your budget. A tailored approach ensures you get cover that makes sense for you, rather than a generic policy that might not fit your needs. At Boon Brokers, we can guide you through the options, compare policies across the market, and help you choose the protection that’s right for your circumstances.
How Can Boon Brokers Help?
At Boon Brokers, our dedicated advisers take the time to understand your specific circumstances so that you can choose the protection cover that truly fits your needs. We can help review the full range of insurance options, explain in plain language what each policy covers, and guide you through setting up your cover with confidence.
All of our advice is completely free. Our aim is to make protection insurance straightforward and stress-free, helping you safeguard your income, health, and family’s future.
All of our advice is completely free. Our aim is to make protection insurance straightforward and stress-free, helping you safeguard your income, health, and family’s future.
