Our unusual approach to income protection can often save improbable amounts of money over the policy term.
Dental Income Protection
Protect your income and lifestyle
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Our unusual approach to income protection can often save improbable amounts of money over the policy term.
Medical Income Protection
Protect your income and lifestyle
insert_chart Get in touch
Our unusual approach to income protection can often save improbable amounts of money over the policy term.
Veterinary Income Protection
Protect your income and lifestyle
insert_chart Get in touch

We aim to regularly save our clients a significant amount of money, through our exceptional product knowledge and drive to look after our clients interests but it’s about more than just insurance. Everything we do is underpinned by our strong ethical values, which means that we always put our clients first, so they will always be treated fairly and with respect.

PROTECT YOUR INVESTMENT

If you’re a highly skilled dental, medical or veterinary professional, you’ve invested a significant amount of time, effort and money, to achieve that status. Having worked hard to put yourself in this position, you’re entitled to look forward to the return on your investment, the plans for a lifestyle and rewards that come from a well-paid occupation but beware.....

THE POTENTIAL RISK

The foundation on which your future plans and dreams are built, is your income. If you’re unable to work for physical or mental health reasons, you could lose your income and the future you worked so hard for. Human instinct is, “it won’t happen to me”, so we badly underestimate the risks.

LIFESTYLE PROTECTION

Income protection can replace up to 88%* of your post-tax income, if you can’t do your job, for ANY health reason, physical or mental. It’s the most comprehensive way to financially protect your lifestyle but if you already have income protection, you’ve probably been told this before.

Consumer group which say:

It's the one protection product every working UK adult should consider.

60% of income protection claims are for accidents, musculo-skeletal problems or psychological illness, which aren’t covered by critical illness policies, so it’s the most comprehensive illness cover there is but it’s a complex product, so 5 insurers only make it available via advisers. Choose your adviser very carefully, as the wrong advice can really cost you.

WHY USE MEDIDENT FS?

We have the expertise to really understand the policy fine-print, and the integrity to tell you everything you need to know. For instance, did you know, the actual cost of income protection will almost certainly be, much higher than shown on all insurer illustrations, maybe more than DOUBLE (unless the cost of living miraculously stops increasing), with the exception of Zurich or Holloway FS, so if you don’t have a policy with either of them, Keep Reading…

The devil really is in the detail (and we do detail)

With insurance, the devil really is in the detail.  What looks like the best premium could actually cost much more than an alternative policy, due to the different formulae insurers use to cover indexation increases, illustrated below.

Premium changes based on 2.8% annual cover increase.

Insurer illustrations tend to be rather.... Optimistic

The total cost on insurer illustrations typically ignore the cost of matching increasing living costs, though Holloway is an exception, so despite being the lowest cost of these three examples in the real world, the full term cost on the illustrations show this.

£40,573.22

Holloway assume a cost of living increase of 2.5%, which is stated on the quote and is close to historical rates.

£24,000.00

L & G's illustration assumes the level of cover does not change, despite the policy being set up as increasing cover.

£24,000.00

Vitality's illustration assumes there will be no cost of living increase, with no hint the total cost would be higher.

Review your income protection policy with MediDent FS and you qualify for two free standard wills, so find out how much you can save and tick that will off your to do list. Just book an appointment at a time that’s best for you.

OTHER INSURANCE FROM MEDIDENT FS

Some of the insurances we can advise on.

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