Secure Your Family's Future as a UK Contractor
Replace missing death in service benefits with comprehensive life assurance designed for contractors, providing tax-efficient protection that ensures your loved ones are financially secure.
Replace Death in Service Benefits
Traditional employees receive death in service benefits worth multiple times their salary. As a contractor, you lose this valuable protection. Life assurance fills this gap affordably, providing your family with financial security that matches or exceeds typical employer schemes whilst remaining surprisingly cost-effective.
Structure for Maximum Efficiency
Life assurance through your limited company can be remarkably tax-efficient. Premiums may qualify as allowable business expenses, whilst writing policies in trust protects payments from inheritance tax. We help structure your cover to maximise these benefits, ensuring your family receives the full value when needed most.
Calculate Appropriate Coverage
Your life cover should reflect your contractor income, not just basic salary. We calculate appropriate coverage levels considering your total drawings, outstanding mortgage, family living costs, and future education expenses. This ensures your protection genuinely meets your family’s needs rather than leaving them underinsured.
Related Protection Services
Critical Illness Cover
Combine life assurance with critical illness protection for comprehensive family security. Cover both death and serious illness in one coordinated protection strategy.
Life Assurance
Protect your family’s lifestyle if illness prevents you from working. Income protection maintains cash flow whilst life assurance provides ultimate security.
Ready to Protect Your Family's Future?
Speak to our protection specialists about life assurance designed for contractors and their families
What Our Contractors Say
Discover why contractors across the UK trust Brookson for their accountancy needs.
Aidy
★★★★★
“Clear and easy to understand”
Jeremy provided a clear review of my pension and investment funds with advice on future options. I have regular reviews with Jeremy and can also arrange consultations between reviews if needed.