Many contractors will at some stage have held employed positions where the package of benefits included some protection against ill health or life assurance cover in the event of death. It is essential that you now consider the options available to you to ensure both you and your family are provided for in the event of ill health or death.
- Income Protection – should you be unable to work due to accident or illness then this will provide you with a replacement income until you are able to return to work.
- Critical Illness – provides you with cash lump sum in the event of you being diagnosed with a range of illnesses.
- Life Assurance – in the unfortunate event of your death, this can provide your family with the funds they will need to meet any liabilities and continue with a satisfactory standard of living.
The difference in costs and contract terms can be considerable with Protection arrangements so talk to us first.
Advice on all aspects of protection is provided by B&S FM Ltd. We are financial advisors who are able to advise on and source the most cost effective and suitable products for you. We work closely with the Freelancers’ Unit within Beever and Struthers to ensure our advice is integrated with your business needs and maximises the tax reliefs available to you.
Call us today on 0161 838 1825 for an initial discussion.
B&S FM Ltd are authorised and regulated by the Financial Conducted Authority