Q&A with a contractor pension expert
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Pensions are a huge benefit of being a contractor. You may have only just started thinking about contractor pensions, or maybe you've accumulated lots of pensions in different pots over the years. Whatever your situation, there will always be questions. We sat down with a pensions expert to give you the definitive answer to the most-asked questions about getting a pension as a contractor. In our last blog, we brought you a Q&A with one [...]
Ask an expert: Questions about contractor mortgages
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Contractor mortgages can be confusing – and what's more, when you search online for answers you can even leave with more questions. We asked one of our experts for their professional opinion. These are your top 10 questions about contractor mortgages – and here are your definitive answers.   1. Where do I apply for a contractor mortgage? Through an Independent Mortgage / Financial Adviser. You can access Financial Advisers through Contractor Honeypot.   2. [...]
Executive Income Protection
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Employers (Ltd companies) can choose an executive income protection policy to sit alongside their employees’ relevant life policy. This will allow the employer to continue paying a salary to their ill or injured employees while they’re unable to work, aiding their recovery. This could also provide tax benefits: Employer benefits: Corporation tax relief (so long as the premium are wholly and exclusively for the purposes of the business). No National Insurance Contributions to pay on [...]
Relevant Life Assurance
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Have you thought about protection for your family in the event of your death? Relevant life is a life insurance policy available to employers and Limited companies to provide an individual death in service benefit for an employee/Director. It can be a very tax-efficient way for shareholder directors to take out life insurance. The following information is based on our understanding of current legislation, taxation law and HM Revenue & customs (HMRC) practice, which may [...]