Most associates are self-employed and practice owners shoulder running costs. If you can’t work, your clinical income stops, but the mortgage and practice bills don’t. Income protection replaces a portion of your income monthly, so you can look after what matters most.
Income Protection for Dentists
Don’t let illness or injury drill a hole in your earnings. Protect up to 70% of your income with our best price guarantee and specialist advice for NHS and private dentists.
100% Claims Success Rate
We Handle Everything
13+ Insurers Compared
Get Complete Income
Protection Without The Hassle
We sort everything out so you can focus on your patients.
01
Tell Us What You’re Looking For
Fill out a quick online form – with no medical jargon. Tell us about you, your role (NHS, private or mixed) and the level of cover you want.
02
We Handle Everything
We compare 13+ leading UK insurers to find your ideal policy. Our specialists handle all the paperwork and policy details, so you don’t have to. You get the right cover at the best price, guaranteed.
03
You're Fully Protected
100% claims success rate – total peace of mind. Your income is protected. Should you need to claim, we’re with you every step of the way.
Why Both NHS & Private Dentists Need Income Protection
01/
No Built-In Safety Net For Many Dentists
02/
Limited Sick Pay For NHS Staff
NHS dentists typically face a four-week unpaid period before any payments begin and you usually need at least two years on the performer’s list to qualify. An income protection for dentists policy can help bridge the unpaid gap and ease the financial burden.
03/
Hands-On Role, High Risk
We all know it, dentistry is a highly demanding job, both physically and mentally. MSK issues (neck/back), hand/wrist problems, eyesight concerns, stress, or infection can all keep you out of clinic, sometimes longer than expected.
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What Your Policy Actually Covers
A tax-free monthly payment of up to 70% of your income, which helps cover the non-negotiables. Paid until you recover, retire, or reach policy end to maintain to help with the day-to-day without raiding savings or investments and lkeep retirement and wealth goals on track while you recover.
05/
Cover That Grows With Your Dental Career
From DCT to associate or specialist, and even practice owner, your income and responsibilities evolve. We review and adjust your policy (benefit level, deferred period, indexation, optional practice-expenses cover) so your protection keeps pace at every stage.
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What Other Dentists Say
Our Price Promise
We compare 13+ leading UK insurers to find your ideal cover.
Found the same policy cheaper elsewhere? We’ll beat it.
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What Makes Us Different
We’re not just another off-the-shelf comparison site. We are specialists in income protection for dentists, meaning we understand you and your role.
No Bots Or Call Centres, Just One Dedicated Specialist
Speak to a real FCA-qualified adviser who understands the dental industry and more importantly, your role, whether you’re an associate, owner, DCT/registrar, or in a community & hospital role.
We Only Work With Health & Medical Professionals
From VT/DCT to principal, we know and understand the UDA realities, private plan nuances, indemnity and ergonomic/MSK risks most generic advisers miss.
No Sales Targets, No Upselling
You’ll get clear, conflict-free advice tailored to your role and income – not what pays the highest commission. We recommend only what you actually need, explain the trade-offs, and optimise cost vs. cover for dentists.
Trusted Specialist Providers
We’re not tied to any insurer, and we don’t favour one provider over another. With access to 13+ Top UK Insurers, we search widely to find the policy that truly fits you.
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Adam Surtees
Director at Affinity Advice
About Us
I founded Affinity Advice after witnessing numerous dental professionals struggling with ineffective income protection insurance.
We cut through the jargon, not corners. No waffle, no confusion. Just straightforward advice that actually makes sense. We’re here to make income protection simple, so you can focus on your patients, not paperwork.
Everything is tailored to your medical career – your speciality, your income, your goals. We help you get the right cover at the right price, giving you complete peace of mind if illness threatens your livelihood. Our expertise ensures you’re not just getting any policy, but the right income protection insurance for your unique circumstances.
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Frequently Asked Questions
How fast can my policy come into play?
Many dentists are covered within 48 hours of speaking to the team. Share your details today by filling in the form and get protected fast.
Is your advice really free?
Yes, you receive a completely free consultation, with zero obligation. You only pay if you choose to proceed with the policy cover.
I'm an associate, do I really need income protection insurance?
We get asked this all of the time. Associates are usually self-employed. No work means you get no pay, which could put you in a sticky situation within weeks. Income protection replaces a portion of your earnings so your mortgage and bills are covered.
I’m a practice owner, can I cover my overheads?
The amount varies based on your individual circumstances and needs, with coverage available up to 70% of your income. We’ll work with you to determine the right level based on your expenses, existing benefits, and career stage.
I have mixed NHS/private income, does that complicate things?
With most generic insurance providers it probably does, but not for us. We set up your policy to reflect both income streams and align the deferred period with any NHS entitlement and your savings buffer.
Does it cover stress, back/neck issues or needlestick incidents?
Quality policies cover mental health and common dental risks like MSK injuries and infections, subject to underwriting.
How much cover can I get?
With income protection for dentists, you can claim up to 70% of your monthly wage, tax-free.
Ready to Protect the Future You've Worked So Hard to Build?
We’ll help you secure the right income protection for dentists. Simply, affordably, and with expert guidance every step of the way.
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