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Preparing for the unexpected

No matter how much you plan, life can take you by surprise. This year and next there are many changes coming to contractors which may be hard to prepare for. For example, though it was initially disregarded, there is a…

Are you paying too much for Life Insurance?

When it comes to insuring our cars or homes, we all look for the best cover at the best price. So why is it that we don’t think twice when it comes to our Life insurance policy. If you’re a…

Why is it important to review your protection?

When you work for yourself, you no longer receive the same benefits that you may have had when you were employed full time - such as sick pay and death in service. This means it’s up to you to make…

Tax Savings in 2019

This tax saving tip will get your new year off to a good start If you are like most of us, your wallet may have taken a big hit this Christmas, but a new year always provides an opportunity for…

Tradesmen targeted by criminals in tool theft ‘epidemic’

Tool theft is on the rise in the UK and tradespeople need to take every precaution In the UK, every 23 minutes a van is broken into and tools are stolen from it, costing tradespeople £100m a year in total.…

Review your life insurance when your circumstances change

Life insurance is a vital part of financial planning and is especially important to anyone who has dependents. We also understand though that it is one of those subjects that no one likes to discuss. That’s why many people don’t…

Why Relevant Life Insurance Makes Sense for Contractors

When you work for yourself, as you’ll be well aware, you don’t enjoy the same benefits as those that are ‘traditionally’ employed. Those benefits you miss out on include sick pay and death-in-service, among others. Of course, the value that…

Sitting For Too Long at Work?

Sitting for too long at work can significantly damage your health 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…

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 to the public sector off-payroll working rules, which many consider a…

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…

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…

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…

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 and…

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…

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…

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.  It was only found by chance…