National Insurance calculator

Could your self-employed clients use the difference in National Insurance contributions to help buy a protection plan?
Want more information?

See all the features of our Income Protection, or get a quote and apply for cover.

If a client is self-employed, they won't be able to rely on common employer benefits such as death-in-service cover or sick pay.

Without an additional plan in place, they and their family could face financial difficulty if they were to die or were unable to work through illness or injury.

Self-employed clients will generally pay less in National Insurance contributions than someone who’s employed. Have they thought about using the difference to fund the protection they need?

Use our National Insurance calculator to start the protection conversation.

Simply enter your client's details below for an estimate of the difference in contributions they might pay.

Enter your client's details



Annual class 1 National Insurance**


Class 2 and 4 National Insurance**
Self-employed voluntary NI contributions**

Difference if self-employed

Including Class 3 voluntary contributions the difference is:
per annum

If your client doesn't pay Class 3 voluntary contributions the difference is:

per annum

These figures are based on the HMRC 2022/23 National Insurance rates.

If your client's value is negative they don't pay any less National Insurance than an employed worker

This information is based on our current understanding of law and HM Revenue & Customs practice for the tax year 2022/23. It may be affected by future changes and individual circumstances.

Want more information?

See all the features of our Income Protection, or get a quote and apply for cover.

This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit

The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.