Affinity Advice

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Affinity Advice Income protection for UK doctors and dentists.

Founded by Adam Surtees, we help healthcare professionals protect the income they've spent a decade building, with specialist advice and cover that actually fits their world.

We know the NHS offers strong sick pay, which is fantastic when you're unwell. 💷But remember, it's not a permanent solut...
11/10/2026

We know the NHS offers strong sick pay, which is fantastic when you're unwell. 💷

But remember, it's not a permanent solution ❌

Your income is protected for a period, but what happens if you're off sick for longer?

That's where planning ahead is key.

We help you plan for life beyond your NHS sick pay, and can even help cover any locum income you may be receiving.

Reach out for an initial chat today.

08/10/2026

Being unable to work can have a bigger financial impact than many people realise. 🦷

For dental associates, income often depends directly on the work you do, while the mortgage, household bills and other commitments keep going regardless.

Income protection can provide a regular monthly benefit if illness or injury leaves you unable to work, helping you maintain your finances while you focus on getting back on your feet.

It’s worth knowing what support you’d actually have if your income stopped. 📲

06/10/2026

Your career might be built around helping others, but your income still needs looking after too. 🩺

For doctors, NHS benefits can provide valuable support, but they may not replace your full income if you’re unable to work for an extended period.

Income protection can help provide a regular income during that time, helping you keep up with the financial commitments that don’t simply stop when work does.

It’s worth understanding what you already have and where there might be gaps. 📲

Critical illness cover is brilliant, but it typically pays out for a specific, pre-defined list of serious illnesses.Wha...
05/10/2026

Critical illness cover is brilliant, but it typically pays out for a specific, pre-defined list of serious illnesses.

What if your health setback isn't on that list?

This is where income protection comes in.

Income protection can provide a financial safety net for a much wider range of conditions that prevent you from working.

Think broken bones, mental health challenges, or long-term recovery from an accident.

We want to ensure you have the protection that genuinely suits your life and potential needs.

Let's discuss how income protection could offer you more comprehensive peace of mind.

Book a chat with us today.

As an associate dentist, your income is a mix of NHS Units of Dental Activity and private fee-per-item work.Generic inco...
04/10/2026

As an associate dentist, your income is a mix of NHS Units of Dental Activity and private fee-per-item work.

Generic income protection policies often miss the mark, failing to accurately cover both these income streams.

This means you could be under-protected.

At Affinity Advice, we understand the unique structure of dental income. 🦷

We find cover that truly reflects your full earnings.

Protecting your livelihood means protecting all your income.

Let us help you secure the cover you deserve.

Get in touch today. 🤝

01/10/2026

For dental practice owners, personal finances and business finances can be closely connected. 🦷

So when reviewing your life cover, it’s worth looking beyond the mortgage and considering the wider commitments that could affect your family and your practice.

The right protection strategy can take into account your personal income, business responsibilities and the people who rely on you.

Your practice has taken years to build. Make sure your protection reflects the bigger picture. 📲

29/09/2026

If you work for the NHS, your existing employee benefits could be an important part of your protection plan. 🩺

The key is making sure any personal cover works alongside what you already receive, rather than paying for protection you may not need straight away.

Your sick pay, deferred period (how long you wait before payments start) and level of cover can all affect how a policy fits your circumstances and what you pay for it.

Specialist advice can help you build cover around the benefits you already have. 📲

Salaried NHS doctors do get some sick pay. 💷As a locum, you're self-employed.You have no employer and no NHS occupationa...
28/09/2026

Salaried NHS doctors do get some sick pay. 💷

As a locum, you're self-employed.

You have no employer and no NHS occupational sick pay entitlement.

If you are unable to work due to illness or injury, you could lose 100% of your income from day one, and this is a real vulnerability.

Specialist income protection for locums can be structured around your variable earnings.

We've helped many doctors just like you build that safety net.

Get in touch today.

We are now rated 4.8 by our customers on Trustpilot! trustpilot.com/review/affinityadvice.co.uk
22/09/2026

We are now rated 4.8 by our customers on Trustpilot! trustpilot.com/review/affinityadvice.co.uk

Did you know the average associate dentist now earns over £90,000 annually? 💰Yet as self-employed contractors, you have ...
20/09/2026

Did you know the average associate dentist now earns over £90,000 annually? 💰

Yet as self-employed contractors, you have zero sick pay entitlement.

That's a stark contrast: high earnings, no safety net.

Imagine being unable to work for weeks or months. Your income stops, but your bills don't. 🏠

We understand this vulnerability, and we're here to help safeguard your financial future.
Secure your income. Protect your practice.

Get in touch today. 📞

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Sunderland

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+447985603852

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