Life cover and critical illness cover are straightforward in concept — but getting the level, type, and terms right requires proper advice. For dental professionals, the occupation-specific underwriting position of different insurers also matters more than many people realise.
Life cover
The right level of life cover depends on your commitments, your family situation, and any existing cover you may have through your practice or NHS employment. We review the full picture and recommend accordingly, ensuring that employer death-in-service benefit is factored in and that any cover arranged is portable across career changes.
Critical illness cover
Critical illness pays a tax-free lump sum on diagnosis of a defined serious condition. The quality of a critical illness policy is determined largely by how conditions are defined — and definitions vary significantly between insurers. We identify the most comprehensive, most appropriate cover rather than simply the lowest headline premium.
Should I have both income protection and critical illness?
They serve different purposes. Income protection replaces monthly income over time. Critical illness pays a one-off lump sum on diagnosis. Whether you need one, the other, or both depends on your individual circumstances — we will talk through both at the same conversation.