Life Insurance Advice

What is Life Insurance?

Life insurance is a safety net that protects the people you love and who depend on you financially. With a life insurance policy, should something happen to you during the policy term, it provides a lump sum to your loved ones to help cover mortgages, bills, or everyday living costs. At Boon Brokers, we can provide fee-free mortgage and insurance advice to find you the right protection for your circumstances.

Fee-Free insurance advice
Whole-of-market access
End-to-end support and guidance
Regulated and authorised by the FCA

Submit an enquiry. and await contact from one of our expert fee-free brokers.

Expert Advice

Your broker will listen to your insurance requirements and provide a proposal.

Insurance Submission

Your broker will submit your application and await your policy documents.

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Do I Need Life Insurance?

Life insurance is an essential insurance policy for anyone who wants to protect their loved ones from the expenses of mortgages or other financial commitments in their absence. It ensures your family is financially supported if you pass away, giving you peace of mind that your loved ones will be cared for. Whether you’re a parent, homeowner, or someone looking to protect your family’s future, life insurance provides crucial financial security.

How Much Life Insurance Cover Do I Need?

Life insurance cover can be tailored to your needs and will depend on your personal circumstances. At Boon Brokers, our expert mortgage and insurance advisers can help you calculate your mortgage balance, debts, monthly expenses, and future family needs, ensuring you choose a policy that fully protects your loved ones. Knowing how much life insurance you need ensures your family can maintain their lifestyle if the unexpected happens.

What Are the Different Types of Life Insurance?

Common types of life insurance in the UK include:

Level term life insurance: Pays a fixed sum and may provide a financial cushion beyond your mortgage.
Decreasing term life insurance: Reduces in line with your mortgage, offering a cost-effective option.
Whole-of-life insurance: Pays out whenever you pass away, ideal for long-term security or inheritance planning.

At Boon Brokers, our advisers help you find the type of life insurance that best matches your needs and circumstances.

Can I Get Life Insurance If I Have a Health Condition?

Yes, many UK insurers will offer life insurance policies for people with existing health conditions. Premiums may be higher or some exclusions may apply, but our whole-of-market advisers can identify the most suitable provider for your situation. At Boon Brokers, we ensure your cover meets your needs, even with ongoing health concerns.

What Does ‘Whole-Of-Market’ Life Insurance Mean?

Whole-of-market means that we have access to the whole market and can compare policies from a wide range of UK providers. We’re not tied to a single insurer, so we can find the best life insurance policy to fit your needs and budget.

How Long Does It Take to Get Life Insurance?

Most life insurance applications are completed within a few days. Some may take longer if medical checks are required or additional information is needed. At Boon Brokers, we guide you through every step to make the process fast, simple, and stress-free.

Is Life Insurance Through a Broker Better Than Going Direct?

Yes, by using a whole-of-market broker, you will gain access to a wide range of insurers that offer a wider choice of policies. At Boon Brokers, our fee-free, whole-of-market service helps you save time, avoid overpaying, and secure the right life insurance cover for your individual circumstances.