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Sitting For Too Long at Work?

Are you currently sitting down whilst reading this? Or have you been to work all day and have been sat down at your desk? If you have, you won’t be pleased to hear what we are about to tell you…Recent studies have revealed that si...

Contractors state importance of IR35 insurance and contract reviews in testing times

Qdos Contractor research has highlighted that 74% of UK freelancers and contractors consider tax protection and IR35 insurance now as ‘vital’ or ‘fairly important’ to their business.

Recent changes t...

A stroke happens every 5 minutes in the UK

Figures show that as of January 2017, more than 100,000 strokes happen in the UK each year; which is the equivalent to around one stroke every five minutes. A stroke has also been identified as the fourth leading cause of death in the UK, a...

The UK’s £2.4 trillion Protection Gap

There is currently an estimated ‘protection gap’ in the UK of £2.4 trillion, with Income protection accounting for £200 billion per annum. There are a number of reasons for this gap; it is often the perception that life insurance is e...

The UK’s most claimed upon condition – Heart Attack

In the upcoming weeks, our articles will be looking at and talking about various critical illness conditions, the causes and how to reduce the chances of diagnosis. This week we will be talking about heart attacks.We all like to relax a...

Three quarters of the population don’t have Life Cover

According to research, almost three quarters of the UK population and 41% of business owners do not have any form of life insurance policy. The findings indicate a high risk that millions of British citizens could face financial hardship an...

Q&A: Relevant Critical Illness & Life Policies

In this week’s article, we’d like to share some commonly asked questions relating to Relevant Critical Illness & Life Policies from our contractor clients;Q. Can I take this cover with me if I stop Contracting? A. Yes, if you d...

Critical Illness Cover Don’t Leave It Too Late

In this week’s article, we want to expand on a response received after our last posting and to highlight the need for critical illness cover. Unfortunately, 1 in 2 of us will be diagnosed with a critical illness during our lifetime, if yo...

The impact of being diagnosed with a critical illness

In this week’s article, we’ll be looking at the impact of being diagnosed with a critical illness

John, a 40 year old IT Contractor, was recently diagnosed with an aggressive type of prostate cancer.  I...

Personal Cover vs. Contractor Relevant Life & Critical Illness Cover

Contractors who operate through a Limited Company can save up to 49% simply by putting the premiums for their Life & Critical Illness cover through their Limited Company.In essence, there is no difference between the two types of po...

Lifetime Pension Allowance

Q. Will your life cover fall within your LIFETIME PENSION ALLOWANCE and be taxed at 55%?

A. Traditionally, having life cover which can be put through as a business expense meant taking up a ‘Group Life Cov...

Critical Illness – The Statistics

A recent study has revealed that 1 in 2 people born after 1960 will be diagnosed with some form of cancer during their lifetime.

In this week’s article we will be talking about the single biggest disease...

Life & Critical Illness Cover Inheritance Tax

In a recent survey, we found that as many as 6 out of 10 life & critical illness polices were not protected against the possible inheritance tax charge (written in trust), which would mean 40% of the payout above the threshold would b...