Our Company

6 The Old Quarry, Nene Valley Business Park, Oundle, Northamptonshire, PE8 4HN

T: 01832 734047

T: 0330 043 4321

E: enquiries@candd.uk.com

 

C & D Specialist Insurance is a trading style of C&D Group Holdings (UK) Ltd (the new re-branded name for Cozens & Dean Financial Services Ltd) which is authorised and regulated by the Financial Conduct Authority Registered in England 781580.

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Registered in England & Wales No. 8271821. Registered address: Bank Chambers,
27a Market Place, Market Deeping, Peterborough, Cambridgeshire, England, PE6 8EA

©2019 by C&D

99% OF OFFSHORE OCCUPATIONS COVERED WITH NO INCREASED PREMIUMS

INCOME PROTECTION FOR SELF EMPLOYED CONTRACTORS

INCOME PROTECTION FOR SELF EMPLOYED CONTRACTORS

WE CAN HELP ARRANGE LIFE, CRITICAL ILLNESS AND INCOME PROTECTION INSURANCE IF YOU ARE:

EMPLOYED

SELF EMPLOYED

LIMITED COMPANY CONTRACTOR
We can also arrange cover for your partner or spouse whether they are working or not.

LOOKING FOR INCOME PROTECTION FOR SELF EMPLOYED CONTRACTORS?

If you are self-employed, you won’t be able to reap certain benefits that come with being employed, like having your life insurance provided by your employer, for example. So if you become ill or have an accident and are unable to work, your income would cease to exist or be reduced significantly.

In this scenario, your family’s financial situation would be severely impacted and it could have a knock-on effect on your business if you are unable to successfully pay your bills on time.

Therefore, we highly recommend investing in income protection for self-employed contractors if you are worried about how you and your family would cope in the scenario that you were unable to work due to illness or an accident. Income protection for self-employed contractors helps ease the financial burden left on families when the primary breadwinner is no longer able to earn a living.

SHOULD I GET INCOME PROTECTION FOR SELF-EMPLOYED CONTRACTORS?

We highly recommend that all self-employed people obtain income protection insurance. This type of cover can provide a real lifeline in the event that you are unable to work and it makes being unable to earn less of a worry when you know that your wages are protected.

Without income protection for self-employed contractors, if you were to be off work due to illness or accident, you will have to rely on Employment and Support Allowance that can be as little as £99.15 a week, which you’ll have to utilise to pay off your monthly bills. In comparison, with income protection cover in place, it could provide you with 70% of your gross annual salary, a significant difference that will allow you to live comfortably.


DO I NEED IT?

To help you figure out if you really need income protection for self-employed contractors, ask yourself this question: would you and your family be able to cope financially if you were to fall ill and not be able to work? You know your family better than we do. However, we know that in the event that you were no longer able to work that you still want to be able to provide for your loved ones and income protection for self-employed contractors allows you to do just that.

We highly recommend income protection insurance if you are self-employed, have dependents or do not have a significant amount of money in the bank as it could provide a real lifeline for you.

It’s important to remember that when you are unable to work due to illness or an accident, that you are still obliged to pay your monthly bills on time and make payments to the mortgage. Also, as you are self-employed, you may have bills from your business that will need settling each month, which could add a greater financial burden on you and your family.

As well as income protection for self-employed contractors, there are other types of cover available that can protect you and your family in a crisis, and we help provide that cover.

LIFE INSURANCE

Life insurance cover provides the cornerstone of your family’s financial arrangements. Life insurance cover allows you to provide your family with the finances that they need to carry on a normal life as possible in the unfortunate event that you were to die. Life insurance pays out a tax-free cash lump sum in the event that you were to die so that your family can continue to pay household bills and the mortgage on time and avoid putting them in a vulnerable position.

We do not recommend leaving your family’s future to chance. Get covered with life insurance and provide them with the financial security they deserve. You can get a free quote here.


CRITICAL ILLNESS COVER

This type of cover can protect you against critical illnesses such as a heart attack, stroke or cancer and allows families to pay household bills and make payments to the mortgage on time each month with ease. Critical illness cover is a long-term insurance policy that pays out a cash lump sum upon the diagnosis of a critical illness specified in the policy, even if you were to make a full recovery from the critical illness.

For you, it can provide a real lifeline in a major health crisis. It can help with things like care costs if you require it, medical bills, travel abroad for treatment or to make alterations to your home in the event that you fall ill.

Critical illness cover is designed to cover you and your family financially so that you can focus your full energy and attention on recovering back to full health.


WANT TO FIND OUT MORE ABOUT OUR INSURANCE PRODUCTS?

All you need to do is give us a call and we can help point you in the right direction and help arrange the most suitable life insurance cover for your needs.

WE RECOMMEND

Term Assurance is the type of cover that we most often recommend, although we fully understand that every individual’s circumstances are different and upon a conversation with you, we will explore what is the best option for you.

Our affordable high-risk life insurance pays out on the death of the policyholder for the period insured and you can set the levels of cover you need, for any duration, with Term Assurance. If you die within that period, the policy pays out and many policies pay early if you find that you have under 12 months to live.

AWARD WINNING EXPERT ADVICE

Speak with an Adviser who will answer any questions you have, and find the best cover for you.