Protect What You’ve Worked So Hard to Build
Tailored Income Protection for Healthcare Professionals
Designed for doctors, dentists, and pharmacists who’ve worked too hard to risk losing it all
Join 3,000+ clients who trust Affinity Advice to get their cover right
A sample of our providers
Protect What You’ve Worked So Hard to Build
Tailored Income Protection for Healthcare Professionals
Designed for doctors, dentists, and pharmacists who’ve worked too hard to risk losing it all
Join 3,000+ clients who trust Affinity Advice to get their cover right
A sample of our providers
Your income isn’t just money. It’s your lifestyle, your security, your future.
Whether you're newly qualified or a seasoned consultant, everything you’ve built depends on your ability to work.
But what if illness or injury took that away?
Your income isn’t just money. It’s your lifestyle, your security, your future.
Whether you're newly qualified or a seasoned consultant, everything you’ve built depends on your ability to work.
But what if illness or injury took that away?
What You Need to Know About Income Protection
Why You Need Income Protection
Your income is the foundation of everything; your lifestyle, mortgage, family and future.
If illness or injury stops you working, income protection gives you a safety net. It pays a monthly benefit so you can focus on recovery, not your bank balance.
NHS Sick Pay Isn’t Enough
Sick pay across healthcare varies; but it's rarely enough.
For NHS staff, it builds gradually to a maximum of six months full pay and six months half pay. In private practice or locum roles, support can be even less, or nothing at all.
Income protection fills the gap, providing monthly support when illness or injury stops your income.
Self-Employed Healthcare Professionals Face Greater Risks
If you're self-employed or working locum shifts, there's no safety net.
Illness or injury could stop your income overnight, with no NHS sick pay to fall back on. Income protection gives you a reliable monthly payout, no matter how you work.
What Is Income Protection?
Income protection provides a tax-free monthly benefit if you’re unable to work due to illness or injury. It’s designed to replace a portion of your income and keep your finances stable until you can return to work or retire.
Flexibility for Every Career Stage
Your career evolves. Your cover should too.
From foundation training to consultancy, your needs change over time. Income protection can grow with you. With flexible options to match your lifestyle, ambitions and stage of life.
"Own Occupation" Coverage
Own occupation cover means you’re protected if you can’t do
your specific role, whether you’re a surgeon, dentist, physio or pharmacist. You won’t be expected to take on admin duties, retrain or prove you can’t work in another field. If illness or injury stops you doing your job, you’re covered.
Our Price Promise
At Affinity Advice, we’re committed to finding the best value for you. As advisers with access to 12+ of the UK's leading insurers, we ensure you get the most competitive price for your income protection.
If you find a lower price for the same policy elsewhere, let us know, and we’ll work to match or beat it.
Why Choose Us?
Experts You Can Rely On
With decades of combined experience, we specialise in income protection for medical and dental professionals.
We’ll guide you through every step, cutting through complexity so you feel confident, protected and in control.
Personal Service. No Call Centres
You’ll have one dedicated adviser from start to finish. No waiting on hold, no repeating yourself. Just clear, expert guidance from someone who knows your story and handles everything for you.
Whole-of-Market, Tailored to You
We’re not tied to one insurer; we search the whole market to find the best cover at the best price.
Every policy is tailored to your lifestyle and career stage, so you get protection that truly fits.
What Our Clients Are Saying...
Absolutely brilliant service from Adam. He made the whole process of getting me set up with multiple policies simple, informative and stress free. Definitely a company you can trust!
Luke
October 2024
I recently used Affinity advice to source options on Life Insurance and Private Medical cover and they were absolutely fantastic. Andrew was very knowledgeable and efficient, and walked me through the process step by step. Would highly recommend 👌🏼
Adam
Oct 2024
Excellent knowledge and speedy service as always. Thanks to Adam and his team I have the reassurance I need that should anything happen to me, my family are covered. Would highly recommend.
Alex
Jan 2024
Could not fault any of experiences I have had with Affinity Advice, they have put me at ease every time and always have the best knowledge and advice when selecting a policy. They are attentive and understanding to your needs always ensure you understand before finalising everything.
Caroline
Dec 2023
NOTE: Wills are referred to a third party. Neither Affinity Advice Ltd nor PRIMIS are responsible for the service received. These services are not regulated by the Financial Conduct Authority and may have limited consumer protection.
Who We Are?
Adam, Andrew, Mark, Christopher and Jon
We cut the jargon, not corners.
No fluff, no confusion. Just honest advice that makes sense. We’re here to make income protection simple, so you can focus on life, not paperwork.
Everything we do is tailored to you, your role, your goals, your family.
We help your money go further and give you peace of mind if illness ever puts your income at risk.
Frequently Asked Questions
Do you charge for your advice?
No, our advice is completely free. The initial consultation comes with no obligation. However, if you choose to set up income protection through us, we do receive a commission from the insurer. This helps us continue to provide expert, tailored guidance to our clients.
Who can get income protection?
Income protection is available to most doctors, whether you're employed by the NHS, a GP, a consultant, or a locum. We offer tailored policies to suit all stages of your career, including self-employed doctors.
Do I need to have a medical check before getting income protection?
In most cases, a medical check isn't required, but it depends on your health and the coverage you need. During our consultation, we’ll discuss your health status and any necessary steps to get you the right coverage.
How long does it take to set up income protection?
The process can be quick, often completed in just a few days. Once we understand your needs, we’ll help you secure the best policy to protect your income and ensure peace of mind.
Can I change my policy later if my situation changes?
Yes, your policy can be adjusted as your needs evolve. Whether your career, health, or personal circumstances change, we’ll help you update your coverage to ensure it remains the best fit for you. Terms and conditions may apply depending on the providers.
Ready to protect the future you've worked so hard to build?
We’ll help you get the right cover in place. Simply, affordably, and with expert guidance at every step.
Are you ready to secure the future you've worked so tirelessly to build, no matter what life throws your way?
Let us help you protect the life you've worked so hard to build.
COPYRIGHTS 2024 | AFFINITYADVICE.CO.UK | TERMS & CONDITIONS
Affinity Advice Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales. Company number: 14100485. Registered office address: 91 Nursery Road, Sunderland, SR3 1NU.