Life moments
Self-employed? Build your own safety net.
When you work for yourself, there’s no employer sick pay and no death-in-service benefit. If you can’t work, the money stops. Protection fills the gap a payslip used to.
Questions worth asking
Before you decide anything.
- How long could I cover my bills if I couldn’t work?
- Would I still be able to pay the mortgage or rent?
- If I trade through a limited company, should the company pay?
- Is my work risky enough to affect what insurers offer?
Tip: If you run a limited company, relevant life cover can often be paid by the business, which is usually more tax-efficient.
Cover worth considering
Other life moments:
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No call centres, no scripts. Just a real person who’ll listen, explain your options in plain English and help you decide.