Protecting the business

• Business loan cover – Protecting business debts against the impact of death, critical illness or terminal illness of key members of staff who have a direct impact on the business’s profits, such as a business owner, director or an employee with specialist skills.

• Relevant life cover – Life cover for employees or directors which would give them peace of mind against terminal illness or death, also known as death in service.
• Shareholders protection – Help avoid disruption to your business if a partner/shareholder was to die or diagnosed with a critical illness. It would enable the partner(s)/shareholder(s) to purchase the affected individuals shares in the business to ensure the effective progress of the business.
• Key person cover – Protect your businesses profits against the impact of critical illness, terminal illness or death of your most integral employees. The cash injection to the business can help to cover the cost of a Locum or recruitment..
• Executive Income protection – Executive Income Protection can help businesses by protecting against the financial impact of their employees becoming ill or injured and unable to work and enabling them to still pay them a salary.

Protecting individuals and their families

• Life insurance – a lump sum payment in the event of death or terminal illness, could be used to cover liabilities such as mortgages or loans and as financial support to replace the loss of an income. 
• Critical illness cover – a lump sum payment in the event of critical illnesses such as cancer, heart attack or stroke, could be used to pay for treatment, adaptations to the home or repay liabilities to relieve the financial burden.
• Income protection – Protect your income in the event that you are unable to work through accident or illness, monthly payouts to contribute towards the income that would be lost whilst off work.
• Family income benefit – a monthly benefit to help replace the loss of income from a family member in the event of death or a critical illness, to enable expenses to be paid and maintain current level of living.

Practice Cover

• Buildings/Contents, Public and employers liability cover, business interruption and terrorism cover – Mandatory cover for dental practice owners

Mortgages & Finance for all in the Dental industry

• Residential and BTL, looking to move home or grow your property portfolio we can assist with it all.
• Mortgages – Residential or Buy to Let (BTL) – looking to purchase a new home, remortgage, invest in property, have a BTL portfolio or are looking to create one, we can help.
• Asset finance – purchase new equipment to kit out your practice
• Commercial mortgages – purchase commercial property
• Bridging loans – short term finance, if refurbishments are required before the property can be mortgaged.
• Self-build mortgages or development finance – looking at building from scratch, we can help from ground up, including purchasing the land.

Additional protection

• Private medical insurance – available for you, your families and staff to help get the healthcare required when it is needed the most.
• Building & Contents cover – protect your home and it’s contents.