Comprehensive insurance Review for dentists
When a patient comes to you, establishing excellent periodontal health is the foundation of any successful restorative treatment. Likewise, a strong financial plan begins with protecting your income, lifestyle, and family—laying the groundwork before focusing on wealth creation.
Personal insurances—such as income protection, disability, trauma, life, and health insurance—form the foundation of this plan by safeguarding your income, assets, and financial future against unforeseen risks.
Whats covered
Income Protection – Securing Your Livelihood
Your income supports your rent or mortgage, lifestyle, and financial goals. If illness or injury prevents you from working, income protection replaces a portion of your earnings, ensuring you can meet financial commitments without depleting savings.
Health Insurance – Faster Access to Care
ACC only covers accidents, yet most hospital admissions are illness-related. Private health insurance gives you quicker access to specialists, surgery, and non-Pharmac-funded medications, helping you recover faster and return to work sooner.
Trauma & TPD Insurance – Preparing for the Unexpected
A serious illness or permanent disability ( e.g cancer, stroke) can derail your career. Trauma insurance provides a lump sum to cover medical costs or lifestyle adjustments, while TPD insurance ensures long-term financial security if you’re unable to return to dentistry.
Life Insurance – Protecting Your Family & Business
If the worst happens, life insurance provides a lump sum to clear debts and support dependents. This ensures your family or practice isn’t left with financial strain during an already difficult time.
Business Overheads Insurance – Keeping Your Practice Running
If you can’t work, your practice expenses continue. Business overhead insurance covers rent, staff salaries, and loan repayments, keeping your clinic operational while you recover. This prevents financial strain and allows a smooth return to work.
Why I Charge for This Service
Other brokers or companies may not charge for this service—so why do I?
As both a financial adviser, my goal is to ensure you have the right insurance coverage—not to sell you policies. This service helps you avoid being over- or under-insured by aligning your coverage with your career stage, debt levels, and long-term financial goals.
With my expertise, you’ll gain clarity on your policies and confidence that you’re adequately protected—without hidden sales incentives. A professional review takes time and specialised knowledge, which is why the fee is $650. However, this fee is not passed on if you proceed with the recommended insurances