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Contractor Protection

  • Putting you and your cover needs first
  • Protect your now, your family, your future
  • Expert advisors offering only relevant policies
  • Tailored income, critical illness and life insurance
  • Request a no-obligation protection chat today

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Protection Insurance for Caroola Contractors

No one likes to think they have an Achilles heel, a weak spot in their defences. But life has a way of throwing curveballs when we least expect it.

As an independent professional, you no longer have the sick pay or death-in-services benefits you had as an employee. The onus is on you to protect your lifestyle.

One way of offsetting life's random pitfalls is choosing the right insurance policies. Protection works differently for contractors, but we've got your back.

Whether it's life insurance, income protection or critical illness cover, we can tailor policies purely to your needs. Call us today to start the conversation.

Income Protection:

Contractor income protection will pay up to 60% of your combined salary and dividends income if you're sidelined for a substantial period due to illness or disability.

Because every contractor is different, we'll tailor a plan based on what you'd need and are willing to pay for your premiums. Any payout will be tax-free as you pay tax up-front on those premiums.

Critical Illness Cover:

Contractor critical illness protection will pay out a lump sum if you’re diagnosed with a serious illness. You can use that lump sum as you see fit, e.g. medical treatment, home improvements or pay off your mortgage.

Relevant Life Cover:

Relevant Life cover is a life insurance policy tailored specifically to contractors. You can pay the premiums in a tax-efficient manner through your limited company.

The policy will pay out should you die or if you're diagnosed with a terminal illness. There is no better way for contractors to leave their family in good stead should the worst happen.

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