Insurance
Many dentists are self-employed and therefore take out insurance in case they fall ill or have an accident and are unable to work.
In our experience there is no single insurance company that provides an overall solution for dentists, so we dovetail several companies together to provide the perfect package. We can arrange a comprehensive and cost-effective protection programme that gives you peace of mind, and ties in with any NHS benefits available.
The dentists’ insurance package
Income Protection
This is one of the most important policies to take out as it provides a tax-free income if you can’t work as a dentist
Mortgage Protection
Most clients are keen to ensure their mortgage is covered
Life Assurance
Making sure your family have enough in the event of your death
Death-in-Service
If you have a limited company, you can arrange life cover through your company which is much more tax efficient
Critical Illness
Provides a lump sum payment if you become seriously ill or are unable to work as a dentist again – we check the insurers’ small print to make sure you’re covered correctly
The Process
1.
Full analysis of whether cover is actually required and if so, how much
2.
Review any existing arrangements and check your plans include the relevant clauses for you as a dentist
3.
Find the best products at the most competitive price (we’re independent so we can research the whole market)
4.
Agree on the action points and help you implement any solutions
5.
Discuss the proposals and agree on the recommendations
6.
Apply for the cover
7.
Complete the medical underwriting
8.
Write any life plans into trust
9.
Regularly review the plans to make sure you’re continuing to get value for money