Income protection, also known as permanent health insurance, pays out a tax-free income in the event of injury or illness.

Your training and skills are your most valuable asset as a dentist and we believe it is essential to protect the investment you have made in yourself. These skills allow you to enjoy the lifestyle you have come to enjoy however long-term illness resulting in a loss of earnings can have a serious impact on your finances and hence why income protection for dentists is something we consider with all our clients.

The level of cover should be sufficient to allow you to maintain adequate standards of living in the short and medium term continuing through to retirement age if necessary. The benefit level is usually between 50%-65% of your income depending on the insurer, with the benefits paid tax-free.  These payments will continue to be made until you return to work, retire or die

We endeavour to analyse your situation and your requirements for income protection.  We will customise a solution to suit your needs, by offering a number of protection products from a select range of providers

Income protection insurance is a flexible type of insurance as there are a range of additional benefits which can suit you. These include:
  • Deferred periods
  • Indexation options
  • Cover increasing in claim
  • Guaranteed or reviewable premiums
  • Combination of different levels of cover


Martin, Paul and the Team have been invaluable in helping us ensure that our family and practice would remain secure if any unfortunate event were to occur. The service provided by Dental Financial Associates is comprehensive and tailored exactly to our needs and we highly recommend them to any dentist wanting peace of mind over their financial affairs.

Dr Chris and Dr Hayley French — Clarendon house Dental Centre, Leamington Spa

I have known and been working with Martin for approximately 10 years now. Within that time the clients that I’ve referred to him have been delighted to benefit from his professionalism, dedication, extremely helpful advice and prompt support. Martin has a passion for dentistry and is a real expert in all the financial and business aspects of a dental practice. Martin and his team deliver on their service level commitments and I’d have no hesitation in recommending him to any of my dental customers wherever they are nationally.

Ian Eslick - DPAS Business Development Manager

Martin Haines at Dental Financial Associates has provided me with easy to follow information and advice, which means I don’t have to worry about my financial future, and can concentrate on being a dentist and enjoying life. Their specialist knowledge of policies for dentists and their total independence from any of the companies means I have a bespoke and complimentary portfolio of policies to insure me and to provide for me and my family’s future. This service is essential if you want a financially secure future and no worries.

Dr Dave Mantle - Smilecare, Chiswick

I would not hesitate to recommend Dental Financial Associates. Martin Haines has a thorough understanding of the Dental business and as well as comprehensively sorting out our financial requirements he is always ready to go that extra mile with any business help or advice you may require by drawing upon his extensive knowledge and experience or referring you to the appropriate person.

Derek Stott - Needham Market Dental Practice