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Why contractors need life insurance
Contractors don’t have employee benefits, so must ensure their loved ones have a financial safety net if the worst happens.
�tractors need life insurance because when they go contracting, they lose all their employee benefits and become�
Category: Articles: Contractor Life Insurance | Wed, 13 May 2015

Relevant life policies versus Key person insurance – explained
Contractors need to understand the differences between Relevant Life Policies and Keyperson insurance to choose the best protection for their needs.
�contractor has an ambitious growth plan for their contracting business and has fellow directors or employs seni�
Category: Articles: Contractor Life Insurance | Mon, 14 Mar 2016

Contractor Doctor: Will my current life insurance cover me when I go contracting?
Contractors with existing life insurance will find the policies are still valid, but they may not provide sufficient cover.
�current life insurance policy cover me when I go contracting? Thanks, Aisha Contractor Doctor says: There is n� �ear Contractor Doctor I have just signed my first contract, handed in my notice and I start with my first ev�
Category: Articles: Contractor Life Insurance | Mon, 30 May 2016

Tax efficient death-in-service benefits via a limited company
Contractor death-in-service insurance premiums can be paid by a contractor’s limited company
�nent employees before they made their choice of a contracting career will recall that they almost certainly had�
Category: Articles: Contractor Life Insurance | Thu, 27 Sept 2018

Relevant Life insurance plans - 9 key facts for contractors
Your company can pay for your life insurance, saving you thousands in tax relief on all the premiums. Switching is easy. Here's how.
�When you move to contracting, any life insurance benefits previously paid by y�
Category: Articles: Contractor Life Insurance | Sat, 03 Jun 2023

Contractor life insurance cover – policy options for limited company contractors
Limited contractors can protect their families with a life insurance policy funded by their business
�the worst should happen. Prior to starting their contracting career when in permanent employment, many contrac�
Category: Articles: Contractor Life Insurance | Wed, 17 Sept 2025

Contracting mindset tips: negotiation based on margins is futile
Contractors get paid according to the market forces of supply & demand. Negotiations based on margins will fail, because agencies apply market forces.
�nt organisations as confidential, and rightly so. Contracting businesses price to market, not margin The amount� �many of your fellow contractors are chasing a few contracts, then your negotiating position is weak. Contract� �it’s down to how well can you can negotiate your contract . If your skill is highly specialised and in grea�
Category: Articles: Contracting Mindset Tips | Tue, 14 Sept 2010

Contracting mindset tips: there are no such things as “contractors’ rights”
Contractors engage with their clients on a business-to-business basis. So, just as with any other business deal, it doesn’t qualify them for “rights”.
�Contractors have a business-to-business contract of services with their clients or agencies and, a�
Category: Articles: Contracting Mindset Tips | Wed, 15 Sept 2010

Contracting mindset tips: clients don’t care about your career, nor should they
Contractors are hired to provide an immediate solution to a client’s problem. Responsibility for career development & training lies with contractors.
�ts are not interested in helping you develop your contracting career. They are looking for an instant solutions� �in what you do evenings, weekends and in-between contracts when you are not solving problems for them. But i� �skills or capacity in-house. The contractor has a contract that clearly identifies the deliverables, timesca�
Category: Articles: Contracting Mindset Tips | Wed, 29 Sept 2010

Contracting mindset tips: contractors are not paid the same as employees
Contractors are responsible for paying employment costs and taxes themselves so employee salaries and contractor fees are not directly comparable.
�a week, do you know how you would calculate what contracting day rate you need to secure the equivalent take-h� �means you can’t directly compare hourly or daily contract rates with employee salaries. Do you know how muc�
Category: Articles: Contracting Mindset Tips | Thu, 28 Oct 2010