Are you really prepared should the worst happen? Freelancer Financials are highly regarded and experienced financial advisers who specialise in providing tailor-made financial solutions for contractors and freelancers.

contractor life insurance

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Here’s a quick way to protect your loved ones if you are no longer around…

Thinking about death is a pretty grim subject and one which most people would care to ignore. In fact, when you look at the statistics, it’s fairly obvious that the majority of us only really consider life insurance when taking out a mortgage or other long term borrowings.

According to the latest estimates, people in the UK are underinsuring their lives by a massive £2.3 trillion. If you have young dependants, or people that rely on you financially, can you really afford NOT to spend just 3 minutes reading the rest of this page?

Imagine what would happen to your loved ones if they were all of a sudden thrown into financial hardship? It’s not a particularly pleasant thing to think about is it?  The truth is, if you are a major contributor to the family finances or perhaps the sole income provider, you absolutely MUST ensure you have the appropriate level of life insurance.

Life cover for freelancers and contractors

We’ve joined forced with Freelancer Financials who will search the entire market to ensure that you get the right cover at the lowest possible price. Freelancer Financials know full well that, as a contractor, you miss out on the security of a “death in service benefit” that can as much as 4 times your annual salary. They provide two type of life insurance:

1. Term Cover – a cost effective option

A term policy provides simple low cost protection for a given period, after which time the policy will lapse without value. The cost of the premiums will vary depending on your age, whether you’re a smoker and your medical history. Policies are available on a single or joint life basis and many will pay out on the diagnosis of a terminal illness. Term cover policies are available as either ‘level term’ or ‘decreasing term’. Level term plans pay a fixed sum of money in the event of death and decreasing term policies reduce in value over time – these are typically used to cover the capital value of a mortgage.

2. Whole of Life Plan – pays out even if you live to 100

A whole of life plan is substantially more expensive option but you know that the insurer will be paying out at some point. With this type of policy as long as you have kept up with premium payments the insurer will have to pay no matter what age you die.

Here’s a few more reasons to give us a call

  • FREE personable service from one of the leading contractor and freelancer IFAs
  • You will only be referred to insurers who have a good-track record of meeting claims
  • Your premiums will remain affordable throughout the duration of the policy
  • You WILL NOT be penalised for being a contractor or freelancer
  • You can access competitive critical illness cover and income protection policies
  • Your dependants will be financially secure
  • You can transfer over from an existing life insurance policy

Freelancer Financials have a long line of happy freelancers and contractors who have already insured themselves and their families. But don’t just take our word for it, here’s what some of their customers are saying about their life insurance services:

“I find dealing with financial matters quite confusing as there is so much information to understand. Freelancer Financials helped guide me through the different options and find the right life insurance to suit me and my family’s needs.”

Prashant Patil (Contractor)

“I just wanted to say how very impressed I am with everyone I’ve dealt with at Freelancer Financials, you’re all genuine nice people and you’ve made sorting out my Life and Critical illness insurance an easy, almost delightful, experience.”

Iassen Kirov (Contractor)

“One of my first concerns about leaving permanent employment was arranging my own protection for my family. Freelancer Financials helped me put in place a life and critical illness policy that took account of my contractor status. The service I received was outstanding, I would not hesitate to recommend your company to anyone.”

Andrew Laoutaris (Freelancer)

Your own personal circumstances will dictate the type of coverage required and believe it or not, not all life insurance policies are 100% hinged on you dying! What is important is that you take action TODAY. The prospect of your loved ones struggling to get by financially should be reason enough to get in contact.

We are here for a FREE 30 minute consultation with no obligation on your part whatsoever. If you have specific questions that you’d like to ask, feel free to jot them down and take notes while we talk over the phone. To request a call back, simply fill out your details below and we’ll be in touch shortly.

Please note: The pension and investment advice on these pages is given by Freelancer Financials, which is a trading name of Mortgage Quest Ltd and is regulated and authorised by the Financial Conduct Authority (FCA). Our FCA registration number is 312484.

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