Affinity Advice

17/06/2026

Check out our 5-star review on Trustpilot! trustpilot.com/review/affinityadvice.co.uk

16/06/2026

Do you really need life insurance? 🤔

Most people assume that being an adult automatically means that you need life insurance, but there are a few cases where other forms of protection will do. ✅

In this case, we spoke to a doctor with no financial dependents and didn't see life insurance as a huge necessity for her. However, she was in her third year of NHS service.

NHS sick pay can't quite compare to income protection and that is exactly why we recommended she opt for income protection instead! 💷

Reach out and we'll talk through your history and needs to find the right policy for you. 📞

15/06/2026

We are now rated 4.7 by our customers on Trustpilot! trustpilot.com/review/affinityadvice.co.uk

15/06/2026

Did you know your NHS death-in-service benefit has limitations?

We're here to inform you od the crucial aspects many doctors overlook:

1. Active Membership is Key: This benefit is tied to your active contributions to the NHS Pension Scheme.

Opting out means losing this crucial cover.

2. The Nomination Form is Vital: Without a valid PN1 form, your lump sum payment could fall outside your wishes and potentially incur inheritance tax.

3. Cover Amount May Not Be Enough: Twice your salary might not cover outstanding mortgages, living costs, and childcare for your loved ones.

4. No Critical Illness Protection: NHS death in service only covers death, not serious illness or inability to work.

5. Your pension nomination form is separate from your will.

Updating one doesn't update the other!

The death in service comes with its own limitations, which is why so many doctors speak to us to ensure they have the correct amount of cover in place

Speak to us today to ensure you have every eventuality covered

14/06/2026

This is the most common gap we see.

You've just bought your first home, a massive achievement! 👏

We know how incredibly busy and demanding life as a junior doctor is.

Protection often gets pushed down the priority list.

But what if something unexpected happened to your income?

Having your mortgage covered means peace of mind.

We can make getting protected feel simple and straightforward.

Let's have a chat about your options. 🤝

11/06/2026

Locum doctors experience the benefits of a flexible schedule and high pay but are often left without sick pay, being forced to dip into savings if they're too ill to work!

This is why we advocate for income protection for these special cases! 🔊

Reach out today and we'll get yours sorted! 📞

09/06/2026

Are you a locum doctor struggling to find a mainstream insurer? You wouldn't be the only one!

We had a case exactly like this - a high-earning, locum doctor who spent months going back and forth with an insurance provider trying to secure a policy.

At the end of the day, he was turned down! 😞

That's where we stepped in and the tables were turned - we were able to find a policy that suits his budget and needs by talking to the right insurance provider. 🤩

We could help you do the same! Give us a call today ☎️

09/06/2026

Most doctors and dentists are doing the right things financially.

Investing. Building their pension. Growing their wealth.

But there's a specific order that matters. And most get it wrong.

Our founder Adam Surtees ran the real numbers this week.

What came out of it might change how you think about your finances.

When the subject of income protection comes up with doctors and dentists, there's a response I hear regularly. "I'd rather invest that money than spend it on insurance.