Sarah Simons
Sarah’s new client Nicola, bought a short term income protection plan 10 years ago, which paid benefits for any illness or injury 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.