Life and Critical Illness Cover

The need for life and Critical illness cover often arises with a new mortgage or loan. Straight forward life cover is a low cost option to cover liabilities that otherwise might cause distress to your financial dependents. This type of policy can be arranged with a guaranteed premium and payouts are tax free.

Critical illness offers a lump sum payout in the event that you suffer a specified 'critical illness'. PFM recommend polices that will also payout in the event of permanent incapacity. Importantly the definition of incapacity is linked to Dentistry. This is known as 'own occupation cover.' With few insurers offering this type of cover for Dentists it is important to receive specialist advice in this area.

A review of your insurance requirements will identify your needs in this area.

Practice Financial Management Limited is authorised and regulated by the Financial Services Authority. For more details please refer to About PFM / Regulations.