Who we help

Independent work looks different for everyone. Maybe you’re just starting out, or you’ve been at it for years. We help contractors, freelancers, self-employed professionals, and entrepreneurs turn moving parts into a clear plan, steady income habits, smart protection, and confident steps toward big goals. From your first contract to scaling a business, we’ll meet you where you are, explain things simply, and help you design your financial future.

Talk to our friendly experts today.

Contractors

Self-employed Individuals

Freelancers

Entrepreneurs/ Business Owners

What is a contractor?

A contractor is typically engaged on fixed-term or project-based assignments, often through agencies or directly with clients. Your income can be strong, but it depends on contracts, renewals, and market demand, rather than a permanent employer.

You may operate as a sole trader or through a limited company, and you are responsible for managing tax, pensions, protection and long-term planning.

How we help contractors

Income Protection: Helps support your income if illness or injury prevents you from working (terms and conditions apply)
Mortgage and lender preparation: Structure your finances to meet lending requirements
Pension and retirement planning: Build long-term savings in a tax-efficient way
Cashflow and reserve planning: Smooth income between contracts
Integrated financial planning: Align strong earnings with long-term security

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Pro Tip: Before applying for a mortgage, aim to keep income patterns consistent, minimise unexplained transactions, and retain key financial documents in one place.

What is a self-employed professional?

A self-employed professional runs their own business or practice, manages their own clients and sets their own prices. Your income reflects your skill and reputation, but you also carry full responsibility for tax, cashflow, protection and long-term planning. You’re the business and the brand.

How we help self-employed professionals

Income and lifestyle protection: Helps manage the financial impact of illness or injury
Pension planning: Structure surplus income for long-term retirement savings
Mortgage preparation: Help present your finances clearly to lenders
Succession and exit planning: Prepare for future transition or retirement

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Pro Tip: Pay yourself a regular “salary” from your business account and treat the rest as reserves. It makes budgeting, tax planning and borrowing much easier.

What is a freelancer?

A freelancer works with multiple clients, often juggling projects, deadlines and invoices at the same time. Your independence gives you flexibility, but it also means managing variable income, tax, protection and long-term planning yourself.

How we help freelancers

Pension planning: Build long-term savings that fit irregular income
Income and illness protection: Help soften the impact of time off work
Mortgage protection: Support repayments in the event of death (terms apply)
Cashflow and debt planning: Keep finances stable between projects
Inheritance planning: Prepare for future family provision

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Pro Tip: Invoice immediately, follow up early, and treat unpaid invoices as a cashflow risk, not an admin task. It’s one of the biggest drivers of financial stress for freelancers.

What is an entrepreneur/ business owner?

An entrepreneur or business owner builds and runs a trading company, manages people and risk, and makes decisions that affect both the business and personal wealth. Your income, reputation and long-term options are closely linked to how the business is structured and protected.

How we help entrepreneurs/small business owners

Director pension options: Build long-term security from business profits
Key person protection: Help reduce financial disruption if a key individual is lost
Shareholder protection: Support ownership continuity on death
Profit and cashflow planning: Take income in a structured, tax-aware way

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Pro Tip: If your business couldn’t operate for three months without you, your protection, succession and cash reserves probably aren’t strong enough. Test this regularly.

Warning: The value of your investment may go down as well as up. Past performance is not a reliable guide to the future performance.
Certain exclusions and limitations apply. Cover is subject to underwriting.
Note: Tax relief is subject to limits and may change in the future.