Dentists & Life Insurance

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Dentists & Life Insurance

DentistYour job as a dentist is unlikely to have a big influence upon your options for life insurance, but there can be times that it can do.

There is not much that we will need to know about your work as a dentist for life insurance, the main questions come with income protection policies.

For life insurance one of the main things that could influence your choice of insurer is who your employer is. Working in the NHS or private sector is generally quite straightforward, but if you are a military dentist this can change your options.

The reason for this is that if you spend significant time outside of the UK or travel to higher risk countries, the life insurer could be concerned about your travel.

An extra thing that can pop up in a life insurance application is your residency. A lot of the time insurers will expect you to have been registered with a UK GP for a bit of time, before you apply for life insurance.

There are many dentists working in the UK that are not UK citizens and your nationality should not affect your ability to get life insurance, but your residency potentially can.

For the majority of dentists in the UK it’s likely that standard terms for life insurance will be offered, assuming that there is nothing else in your application that could increase the premium.

Our award winning advisers regularly support dentists in arranging their life insurance. Please feel free to get in touch with us for a no obligation quotation today.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

We find that a lot of dentists are quite interested in income protection. This policy steps in to help protect your income potentially right up to your retirement age. 

Insurers will want to know about how many hours you work per week, if you have needed to take time off due to ill health in the past and a few other things. Your occupation as a dentist should not affect your options for income protection cover, but things like your health, travel and high risks sports can do.

There are also some specific insurers that can offer you even better options if you are a dentist working in the NHS. Our advisers will know where to place your income protection so that you get the best cover possible.

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

Critical illness cover is a policy that stands out to a lot of people as it covers the cancer, which is a common health concern. Dentists applying for critical illness cover should have no concerns about their job affecting the options that are available.

Being a dentist is not seen as high risk to insurers for critical illness cover, as there is nothing about your work that makes you more at risk of developing one of the medical conditions that they cover. Most dentists will be able to access critical illness cover at standard terms.

If you have a health condition, travel extensively or do high risk sports, these can alter your options for critical illness cover. You can find in some instances that the premiums for the policy increase or there are exclusion on this policy type. This is why advisers like ourselves are so important as we know which insurers will be best for you, saving you time and getting you the critical illness cover that you need as quickly as possible.

Are you going on holiday? When you go abroad it is always a good idea to have a travel insurance policy that gives you peace of mind that you will be taken care of. We have teamed up with a specialist travel insurance broker that can help and you can find more details about this on our dedicated travel insurance page.

Dentists

Dentists are vital part of our society, helping to make sure that we remain healthy. Dentists not only help us to resolve any problems we are having with our mouth, teeth and gums, they also help to spot other medical problems early on. Good oral health is shown to improve a person’s overall health and wellbeing.

  • Army medical services dentist
  • Cosmetic dentrist
  • Endodontist
  • Implant dentist
  • Oral and Maxillofacial surgeon
  • Orthodontist
  • Paediatric dentist
  • Peridontist
  • Royal air force dental officer
  • Royal navy dental officer
  • Accidental needle injury
  • Allergic reactions to protective clothing and other materials
  • Back pain
  • Higher exposure to radiation
  • Infections
  • Slips and falls
  • Diagnosed and treat dental problems
  • Treat patients through the NHS and/or private practice
  • Take x-rays
  • Use local anaesthetic

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Review by David on 27th June 2023

Every step of the way was fantastic! Kathryn is a force of nature! Full credit to the team. - 5 

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Dr Kathryn Knowles Phd

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This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

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