Dentists & General Income Protection Insurance

This company was formed in 1927. It is an expert on 'day one' Income Protection, or Permanent Health Insurance, benefit providing a safety net for those without sick pay entitlement such as the self-employed.

The society concentrates predominantly on low-risk occupations such as low risk manual work and professionals.

As such the society believes it is able to offer premiums at a level which can be much lower than the norm.

Their product range concentrates on Group Income Protection and Individual Income Protection.

Dentists & General Product Portfolio

PCitadel - An Income Protection product which is simple and offers a no premium penalty approach. This is applied by occupation, to smokers and those in jobs with a high mileage. It will payout for as little as a single days absence form work.

Citadel will cover up to 66% of gross income and benefit is currently paid tax free. Within the options of 'day one cover' cover or a six months deferment, members can choose level, escalating or reducing benefit.