Income Insurance
Advice
What is Income Protection Insurance?
Income Protection Insurance safeguards your finances at a time when you’re unable to work due to illness or injury. It pays a regular monthly benefit to support essential living costs like your mortgage, bills, and everyday expenses - providing financial security when you need it most.
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The Importance of Income Protection
Life is unpredictable - illness or injury can stop you working at anytime, without warning. At Boon Brokers, we make income protection simple, helping you secure the cover that will help you manage your bills, mortgage payments, and everyday costs if illness or injury stops you from working.
- Expert income protection advice - completely fee-free
- Secure your income to keep up with mortgage, rent, and essential bills
- Personalised whole-of-market insurance to match your job and financial needs
- Custom protection for self-employed professionals and those without SSP
Get Personalised Income Protection Today
Safeguard your finances with income protection insurance that is tailored to your job and lifestyle. Book a free, no-obligation consultation with Boon Brokers today for expert, fee-free advice and put your financial security first.
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Our Process
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Step Two
One of our friendly advisers will contact you to learn more about your situation.
Step Three
Relax while we find you the best Insurance product.
Speak to an Insurance Specialist Today
Secure the right income protection cover and safeguard your finances – our dedicated experts are waiting to help you. Fill out the form below to receive personalised, no-obligation advice tailored to your unique job and financial situation
Frequently Asked Questions
FAQHow Does Income Protection Insurance Work?
If you’re unable to work due to illness or injury, income protection insurance replaces a portion of your income. After a waiting period, you’ll receive regular, tax-free payments to help cover essential living costs until you’re able to return to work.
At Boon Brokers, our expert insurance advisers can help you find a policy tailored to your needs and provide clear guidance on how it works.
At Boon Brokers, our expert insurance advisers can help you find a policy tailored to your needs and provide clear guidance on how it works.
Who Needs Income Protection Insurance?
While income protection is an optional insurance policy, it is arguably essential for anyone relying on a steady income and can be particularly important for those who are self-employed or those without statutory sick pay. It offers peace of mind by helping you maintain your lifestyle if illness or injury prevents you from working.
What Income Protection Cover Do I Need?
The right cover will wholly depend on your occupation, monthly expenses, income, and other financial support you might receive.
At Boon Brokers, our expert advisers will help assess your needs to find a policy that balances protection and affordability, matching an insurance policy to your exact needs.
At Boon Brokers, our expert advisers will help assess your needs to find a policy that balances protection and affordability, matching an insurance policy to your exact needs.
What Is a Deferred Period?
The deferred period is the waiting time between when you stop working and when your income protection payments begin. Typical options range from 4 weeks to several months, and selecting the right period can impact both your premiums and the level of coverage.
How Much Will Income Protection Pay Out?
The amount your income protection policy pays out depends on the level of cover you choose. Benefits typically continue until you return to work, reach retirement age, or for a fixed term agreed when you take out the policy.
At Boon Brokers, we can help you select a benefit period tailored to your individual needs.
At Boon Brokers, we can help you select a benefit period tailored to your individual needs.
Can I Get Income Protection If I Have a Pre-Existing Medical Condition?
Yes, many insurers provide income protection policies even if you have pre-existing health conditions. Working with a whole-of-market adviser - like Boon Brokers - can help you avoid high premiums and find you the best providers that are willing to accommodate your specific medical history.
How Do You Compare Income Protection Policies?
The best way to compare income protection policies is to work with a trusted and regulated whole-of-market insurance adviser. At Boon Brokers, we carefully review policies from a broad range of UK insurers, focusing on coverage terms, waiting periods, payout limits, and exclusions.
This whole-of-market comparison ensures you get the best income protection suited to your specific needs and budget.
How Long Does It Take to Arrange Income Protection?
Most applications will be completed within a couple of days. However, complex health cases or specific policy types can make the progress take longer.
At Boon Brokers, our dedicated insurance advisers will guide you through each step to make the process as smooth and quick as possible.
At Boon Brokers, our dedicated insurance advisers will guide you through each step to make the process as smooth and quick as possible.
