As part of a major drive to encourage people to plan their finances, parents-to-be could be encouraged to take out life insurance. In the future, government agencies, companies and employers may be required by law to give workers a ‘nudge’ towards securing vital life cover at key stages in their lives. This could include starting a family or approaching retirement. Under the proposed changes, those expecting a family could be asked by health workers to think how they would support their family if they lost their job or became ill. Alternatively, leaflets highlighting the importance of life cover might be included

While our attention here at Relevant Life Expert is mostly focused on tax-savvy life insurance for Contractors we also want to help Contractors in the wider challenges they face. In our daily conversations with our contracting clients we’ve learned that, beyond protecting themselves, IR35 is one of the biggest challenges they see as needing to be overcome. As a result, we’ve taken it upon ourselves to give you an overview on how to best tackle IR35. Hopefully, by the time you’ve read to the end, IR35 will no longer be the headache it currently is.   What even is IR35?