Not that the Royal Navy was opposed to outsourcing some of that risk -- indeed, they did so quite readily -- and, since they were sticklers for paperwork, we have the contracts to show it. My thanks to Laurent Veilleux for sending along links to these contracts, which have been preserved in the Bibliothèque Nationale du Québec. They are part of the documentation for Franklin's third Polar expedition, not his disastrous second -- I had to do a double-take at first, since one of the more notable names here is that of Solomon Bélanger, a man who, considering that he saved Franklin's life on one occasion, and suffered being berated by his employer on another, might understandably have been reluctant to sign up for another tour. The pay was good, though -- and why not? -- and this time, Franklin guided his men through their voyage without major loss of life.
As it happens, Bélanger was to survive Franklin by nearly 16 years; he died in the parish of St. Jacques de l'Archigan, Québec, in April of 1863, having traversed the route to the Polar Sea twice, though without any memorials having been erected to his name.