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MediDent FS

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MediDent FS

Offering expert income protection advice to the dental and medical sectors. Our detailed knowledge o

23/08/2022

Holloway Part 2 - Escalating Benefit Option ✨

In the case of this dentist, he selected the "escalating benefit option". This is the reason why the predicted cost is much higher than the other 2 provider's illustrations. This option takes inflation into account which assumes a 2.5% yearly increase, close to historical rates.

If this dentist decides to keep this plan until the end date, the total premiums payable (not including any changes in the premium which may be applied following reviews, or if any changes are made) could amount to £40,573.22.

That part in brackets is important, as it states that the price could change at any point after the review (5 or more years later) or if any changes are made. You might then be wondering what causes them to change their prices.

Follow my social media and keep your eyes tuned for the third part of my study of the Holloway insurer case study. Where I will be covering what constitutes changing the price of their cover.

https://bit.ly/3M7WP5h
01604 270376
[email protected]

18/08/2022

📂 Holloway's Illustration 📂

This illustration covers a male, non-smoking, dentist born in 1996. Here's a quick summary
Initial Monthly Benefit: £2090.70
Annual Benefit £25,088.40
Premium Type: Level Reviewable
Maximum Potential Benefit: £1,690,363.90
Plan Termination Age: 65

As with all reviewable premium type covers, this means that the insurer can change the amount they change whenever they want. Luckily, in this case, Holloway's document states that they will only do this either "on or after the fifth anniversary on your plan"

Join me next week when I will be continuing my deep dive into Holloway's illustration.
🔗 https://bit.ly/3M7WP5h
📞 01604 270376
✉️ [email protected]

Warren Robins (Income Protection wizard) 🧙♂️

16/08/2022

Insurer illustrations tend to be rather... Optimistic

Typically the cost of insurer illustrations ignore matching increasing living costs, Holloway is an exception. So, despite being the lowest cost of the following 3 income providers in the real world, the full-term cost of the illustrations shows this.

Holloway - £40,573.22
Legal & General - £24,000.00
Vitality - £24,000.00

Holloway's cover illustration is much higher than the other two as it assumes a living cost increase of 2.5%. Which they state on the quote and is close to historical rates. 📈

The other two, however, do not assume a change in living costs leaving no hint that the total cost will be higher. Legal & General in particular assumes that the level of cover does not change, despite the policy being set up as increasing cover.

Want to know how much money I could save you? Follow my social media and get in touch.
🔗 https://bit.ly/3M7WP5h
📞 01604 270376
✉️ [email protected]

11/08/2022

Want to avoid a nasty surprise?

The cost of living increases every year, and despite this, most insurer illustrations ignore this.

To know how to combat this, watch the video and get in touch. See how much money MediDent FS can save you!

🔗 https://bit.ly/3M7WP5h
📞 01604 270376
✉️ [email protected]

09/08/2022

Did you know?

Consumer group "Which?" say that income protection is the one protection product every working adult in the UK should consider.

60% of income protection claims are for:
🔹Accidents
🔹Musculo-skeletal problems
🔹Psychological illness
None of these is covered by critical illness policies, so it's the most comprehensive there is. However, it's a complex product. That's why 5 insurers only make it available via advisors.

Choose your advisor very carefully, as the wrong advice can cost you. Get in touch, book a meeting today and see how much money I can save you!

🔗 https://bit.ly/3M7WP5h
📞 01604 270376
✉️ [email protected]

04/08/2022

If you're a highly skilled dental, medical or veterinary professional, you've invested a significant amount of time, effort and money to achieve that status. Having worked hard to be in this position, you're entitled to look forward to the return on your investment, the plans for a lifestyle and the rewards that come from a well-paid occupation.

BUT BEWARE...

The foundation on which your future plans and dreams are built is your income. If you're unable to work for physical or mental health reasons, you could lose your income and the future you've worked so hard for.

I know what you are thinking. "It won't happen to me", so we seriously underestimate the risks.

Which is exactly why you should get in touch!
🔗 https://bit.ly/3M7WP5h
📞 01604 270376
✉️ [email protected]

02/08/2022

MediDent FS aims to regularly save our clients a significant amount of money. Our exceptional product knowledge and drive to care for our client's interests but it's about more than just insurance

Everything we do is underpinned by our strong ethical values, meaning we always put our clients first. They will always be treated fairly and with respect.

We aim to be different to the vast majority of financial service companies, offering a range of additional benefits to our clients such as:
🔹An extensive package of wellness-based discounts & rewards
🔹Free basic wills

Interested in how much money I can save for you? Get in contact.
🔗 https://bit.ly/3M7WP5h
📞 01604 270376
✉️ [email protected]

28/07/2022

Unsure of whether to use MediDent to help you find the 𝗯𝗲𝘀𝘁 income protection possible, 𝗸𝗲𝗲𝗽 𝗿𝗲𝗮𝗱𝗶𝗻𝗴…

We bring with us the expertise to really understand the policy fine-print and have the integrity to tell you everything you need to know.

For instance, did you know, that the actual cost of income protection will almost certainly be, obscenely higher than shown on all insurer illustrations? 𝗜𝗻 𝘀𝗼𝗺𝗲 𝗲𝘅𝘁𝗿𝗲𝗺𝗲 𝗰𝗮𝘀𝗲𝘀, 𝗶𝘁 𝗰𝗮𝗻 𝗰𝗼𝘀𝘁 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝗱𝗼𝘂𝗯𝗹𝗲. 😮 (Unless the cost of living miraculously stops increasing)

𝗦𝗼 𝘄𝗵𝗮𝘁 𝗮𝗿𝗲 𝘆𝗼𝘂 𝘄𝗮𝗶𝘁𝗶𝗻𝗴 𝗳𝗼𝗿? 𝗕𝗼𝗼𝗸 𝗮 𝗰𝗮𝗹𝗹 𝘄𝗶𝘁𝗵 𝘂𝘀 𝘁𝗼𝗱𝗮𝘆 𝗮𝗻𝗱 𝘀𝗲𝗲 𝗵𝗼𝘄 𝗺𝘂𝗰𝗵 𝗺𝗼𝗻𝗲𝘆 𝘆𝗼𝘂 𝗰𝗮𝗻 𝘀𝗮𝘃𝗲!

🔗 https://bit.ly/3M7WP5h
📞 01604 270376
✉️ [email protected]

26/07/2022

Protect your income and lifestyle with MediDent!

Our usual approach to income protection often saves improbable amounts of money over the policy term.

With insurance, the devil is in the detail. What looks like the best premium could cost more than an alternative policy, due to the formulae insurers use to cover indexation increases.

If you are a dentist that needs an income protection provider or want to change your existing provider, get in contact with me and I will see how I can save you money!

🔗 https://bit.ly/3M7WP5h
📞 01604 270376
✉️ [email protected]

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Thursday	9am - 10pm
Friday	9am - 5pm

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