As a dental professional, your hands, health and ability to work are central to your income.

So here is an important question:

What happens financially if you cannot pick up the drill?

Most people insure their home, car and even their phone. Yet the income that pays for all of them can sometimes be left exposed. For dentists and other healthcare professionals, a period away from work because of illness or injury could have a significant financial impact. Your lifestyle does not automatically become cheaper because your income has stopped. That is why protection planning should not simply be about buying insurance. It should start by understanding what you are protecting and why.

A protection review can consider areas such as:

• Income protection if illness or injury prevents you from working.

• Life cover to provide financial security for your family.

• Critical illness cover to provide financial support following certain serious illnesses.

• Mortgage protection to help protect your home.

• Business protection for practice owners and shareholders.

• Key person protection where the absence of an important individual could affect the practice.

• Shareholder or partnership protection to help provide greater certainty if a business owner dies or becomes seriously ill.

The right starting point is not: How much insurance should I buy?

It is: What would happen to me, my family and my business if my income stopped tomorrow?

Our approach is centred around Peaceful, Purposeful Planning. That means understanding the risks, protecting what matters and making informed decisions rather than simply hoping nothing goes wrong.

Come and have a conversation with me about your current arrangements.