We are the only company in the UK that specialises in income protection insurance exclusively for the dental profession and we are committed to providing a high quality product, backed by excellent service and sound decision-making. So whether it’s your day to day administration needs or complex claims or underwriting cases – you will always have a consistent, reliable and considerate partner in Dentists’ Provident.

We have a strong and stable capital base and excellent risk management standards, built up over a hundred years with prudent management. Our size, business, and governance structures give us the agility to react quickly to changes in the market and to your or your clients’ needs.

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Our plans are designed by experts working closely with dental professionals. So you can be sure that whatever stage your client’s career is at, we have a plan to suit their lifestyle and needs. Our business is based on the simple principle that our intermediaries and members should never have to compromise on levels of service or the quality of their cover.

Being owned and run by dental professionals, we do not make profits for anyone else – our profits are only ever used to improve the products, services and benefits we provide our members.

Whether your clients’ needs are simple or complex, we are confident that you will find a plan that is right for them, whatever their budget.

Maximum cover Maximum income replacement percentage Definition of incapacity Latest standard plan end date Deferred periods available 
£7,800/month 70% own occupation Until your client is 65 54 deferred periods, starting from no deferred period to 52 weeks as well as 104 weeks

Key features More details

Key features More detail
Maximum cover Maximum income replacement percentage Definition of incapacity Latest standard plan end date Deferred periods available
£6,500/month  70% Own occupation Until your client is 65 12 deferred periods, including no deferred period to 1, 4, 8, 12, 13, 26, 52, 104, 156, 208 and 260 weeks

Key features More details

Key features More detail
Maximum cover Maximum Income replacement percentage Definition of incapacity Latest standard plan end date  Waiting periods available
Lump sum of £45,000 during education and £1,750/month cover after the end of your client’s education 70% Unable to complete education and start work (students) and own occupation after completion of education Until your client is 65

Minimum of 4 weeks during training.

After training, the waiting period will be 1 week but your client can ask us to change it to 4,8,12,13,26 or 52 weeks


Key features More detail
Maximum cover Maximum income replacement percentage Definition of incapacity Latest standard plan end date Deferred periods available
£6,500/month 70% Own occupation

Until your client is 65

Choice of benefits to be paid for 1,2,3,4 or 5 years for either any one claim or all your client’s claims
6 waiting periods, including 4, 8, 12, 13, 26, and 52 weeks

Key features More details

Key features More detail

Our plans are designed to give you and your clients control, so together you can customise a plan that suits your clients’ unique needs. To find out more, please login to our online service or contact our intermediary support team.

Our online application process is fast and convenient. Once we receive your client’s application, we will call them for a health and lifestyle interview, to collect the information we need to decide on the most suitable terms and conditions for their plan.

You can also apply for our plans by completing a paper application. You can obtain an application pack by contacting our intermediary support team.

We will keep you updated on the progress of your client’s application throughout. You can also track the progress using our online service.

These case studies are for illustration purposes only and not based on real individuals. They are not designed to provide financial advice, nor are they intended to make any recommendations regarding the suitability of our plans for a particular individual.


John has recommended the Dentists’ Provident Holloway plan to his client’s for many years. He particularly likes the pragmatic approach to underwriting and the way they support their members during a claim. He is also happy that despite the fact, Dentists’ Provident Holloway plans do not offer guaranteed level premium rates, historically the attained age rates have been stable and some of his clients even benefited from a premium rate review a few years ago, which resulted in a reduction in the premiums paid by them.

He also likes the long term savings benefits offered by the Holloway Plan. A few of his clients have used the bonus account paid at the end of the plan to help their children with deposits for a home or to pay for a holiday of a lifetime after retirement.

The flexibility of the plan means that his clients can choose the investment weighting based on their affordability or if they have a need for guaranteed premiums, he can still recommend the stepped reducing Holloway Contract as the base plan, topped up with the split deferred pure protection plan offering guaranteed premiums

Neil’s client, Andrew, is just about to turn 65 and will soon be retiring from dentistry. Andrew has been offered the opportunity to take out the Dentists’ Provident Lifetime membership plan. Neil has been helping Andrew plan for his retirement and they have been consolidating and simplifying Andrew’s complex investment portfolio.

Neil has recommended that Andrew take up the Lifetime membership plan with the maximum participation units allowable, as it offers flexibility of access and the current bonus rates compare favourably to the other similarly liquid alternatives.

Sarah’s new client Nicola, bought a short term income protection plan 10 years ago, which paid benefits for any illness or illness for up to five years. After analysing Nicola’s needs, Sarah has recommended that Nicola should consider a long term income protection plan. However, Nicola has had some health problems over the last few years and it is likely that a new policy will be subject to special terms.

Sarah recommended that Nicola keep her short term income protection plan and top it up with the Dentists’ Provident income security plan with a deferred period of 156 weeks. This would give Nicola the long term cover she needs, while preserving the favourable underwriting terms of her previous policy.

Richard’s fee based client, Michelle, has been working as a hospital based orthodontist for the last fourteen years. Michelle has recently decided to leave her hospital role and take up a full-time role at a private practice in Harrogate.

Michelle has been a member of Dentists’ Provident, since starting her vocational training. She currently holds the lifestyle security plan with a split deferred cover of 26 and 52 weeks, totalling £4,000 per month. However, in the last five years, both her mother and sister were successfully treated for breast cancer. Richard has advised Michelle that this could affect her application for income protection insurance and instead she can simply exercise the option to reduce her deferred period to four weeks for both the covers under her Lifestyle security plan.

News and blog

Guidance note for our members on the Coronavirus Disease (COVID-19)

01 May 2020

Claiming during the lockdown Our income protection plans are designed to cover our members if they su…

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Contacting us during the lockdown

24 March 2020

Coronavirus is having a huge impact on all our lives. We are working extremely hard to support our me…

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Supporting you in unprecedented times

Supporting you in unprecedented times

COVID-19 is having an extraordinary impact on all of our lives. At Dentists’ Provident we are doing all we can to equip our teams to be able to support our members in these uncertain times.