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Yes he did say it should be written on "own occupation".
So you're saying that e.g have policy 1 with a deferred period of 13 weeks, and policy 2 with a deferred period of 2 years. Sounds like these policies could be quite costly.
Yeah I'm very dubious about taking out this policy, as it does seem like something I'll never claim on...
but it does make me a bit anxious that if I do some damage to myself where I can't be a programmer any more (and make the dosh we do), where will I get income like that from 'till I'm 60...
Hi People
I just had a review with my financial advisor at HSBC and he's advising me to take out income protection. As a side, I already have life and critical illness cover which covers my mortgage.
The premiums for £2k/month until I'm 60 (i.e. 28 years to go) are:
Deferred for 13 weeks...
I found this on the PCG website....
Will an umbrella company protect me from IR35?
No. Many agents believe working through an umbrella company in itself will protect you from
IR35. IR35 status is determined by your working relationship with the agent and client and the
contracts these...
Thanks for all your help.
A lot of contractors (on this site) seem to be anti-umbrella.
With a fair number of you contractors on this site I'd take that as the general opinion, so why are so many contractors with umbrellas? Are they just lazy a**ses?
Hey People
Sorry to trouble you all, I've been giving myself a headache for a good week now. Through doing all this reading on this site, it's cleared some matters but raised others!
To get to the point, I've a contract starting on 30th January. I'm struggling to decide between setting up a...
Hey People
Sorry to trouble you all, I've been giving myself a headache for a good week now. Through doing all this reading on this site, it's cleared some matters but raised others!
To get to the point, I've a contract starting on 30th January. I'm struggling to decide between setting up a...