It is crucial that you consider how you are going to insure yourself and plan for the future, as you are not protected by employer provided packages. Whether you are looking for income protection, life cover or critical illness insurance RTD Financial Services Ltd will have a solution to suit your needs and we will be able to arrange this for you. As someone who is self-employed or a contractor you need to consider what insurance policies you need, the level of cover and which is the company that will provide this in a cost efficient way. It can be time consuming for an individual to identify and secure the right insurance package. RTD Financial Services will handle the entire application process for you. We will also help you if you or your family need to make a claim. The areas of protection and insurance that we can support you with are: As someone who is self-employed or a contractor, you will not be protected by employer provided insurance packages. You will need to consider, therefore, what insurance policies you need in relation to your self-employed or contractor status. Many believe arranging business protection to be a lengthy and complicated process. The principles are, however, similar to any other type of protection. The most significant differences are: RTD Financial Services will be able to provide you with appropriate advice for your business needs. They will handle the entire application process for you. The level of cover and which is the company that will provide this in a cost efficient way. As a contractor, you will not be protected by employer provided insurance packages. You will need to consider, therefore, what insurance policies you need in relation to your contractor or self-employed status. Many believe arranging business protection to be a lengthy and complicated process. The principles are, however, similar to any other type of protection. The most significant differences are: RTD Financial Services will be able to provide you with appropriate advice for your business needs. They will handle the entire application process for you. The level of cover and which is the company that will provide this in a cost efficient way. THESE PLANS HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED THEN COVER WILL LAPSE. PLANS MAY NOT COVER ALL DEFINITIONS OF A CRITICAL ILLNESS.THE DEFINITIONS VARY BETWEEN PRODUCT PROVIDERS AND WILL BE DESCRIBED IN THE KEY FEATURES AND POLICY DOCUMENT IF YOU GO AHEAD WITH A PLAN. OUR PERSONAL PROTECTION INSURANCE PRODUCTS
OUR INSURANCE FOR THE SELF-EMPLOYED AND CONTRACTORS
Our Contractor and Self-Employed Insurance
Business Protection Insurance Products
A Relevant Life Plan is a term assurance plan available to employers to provide an individual death in service benefit for an employee. It is designed to pay a lump sum if the employee dies whilst employed during the length of the policy. It will also payout if the employee, whilst employed, is diagnosed with a terminal illness and meets our definition at any time during cover. A Relevant Life Plan is paid for by the employer.
Key Person Protection (Profit Protection) helps safeguard a business against the financial effects of death, terminal illness, or critical illness of a key person during the policy term.
The loss of a business owner may destabilise the business and can quickly lead to financial difficulties. Partner/Director/LLP Share Protection means if the worst does happen, the remaining partners/directors/members could stay in control of the business.
The loss of the person(s) who have guaranteed a loan is particularly serious for a business. Business Loan Protection helps your client pay an outstanding overdraft, loan or commercial mortgage, should the guarantor die or become terminally or critical ill during the policy term.
