Dentists Who Invest Podcast · 2026-06-29 · 23 min
Key moments - from our scoring
Substance score
41 / 100
Five dimensions, 20 points each
With indemnity renewal season hitting peak in July through September, this episode tackles one of dentistry's most contentious insurance topics: how to get genuine value from indemnity cover rather than just chasing the lowest premium. Adam O'Keeffe, head of AllMed Pro Insurance Specialists, walks through the market evolution since 2011 when only three discretionary providers existed, explaining why claims costs continue to drive premium increases despite litigation rates leveling off. The critical distinction emerges between discretionary cover (where the provider decides at claims time whether to pay) and contract-certain insurance with clear terms, conditions, and financial ombudsman protections. O'Keeffe emphasizes that discretionary policies aren't necessarily cheaper, and warns against claims-made policies despite their lower cost - since cover expires when the policy ends, leaving retired dentists vulnerable. Specific concerns addressed include occurrence policies protecting treatment from retirement onward, runoff cover options, and the importance of early consultation with indemnity providers without penalty. Practitioners learn what constitutes baseline coverage (occurrence, contract certainty, 24/7 support) and what additional value (PR protection, mental health support, legal advice) separates truly protective policies from commodity offerings.
Discretionary cover leaves it to the provider's discretion whether to pay any given claim and offers no ombudsman protection if rejected, while non-discretionary (contract-certain) insurance has clear terms, conditions, and exclusions in writing with ombudsman rights if disputes arise.
No - AllMed Pro and providers in Project Steer specifically encourage early consultation to prevent claims escalation, and early intervention actually saves the provider money by stopping issues before they become full claims.
They would not be covered, since claims-made policies only cover claims that arrive while the policy is active; occurrence-based policies, by contrast, cover treatment regardless of when the claim arrives if the policy was in force at time of treatment.
Yes - claims-made policies are cheaper but only cover claims reported while the policy is active, creating risk for retired dentists unless they purchase runoff cover; occurrence policies cost more but protect all historical treatment indefinitely.
Look for occurrence cover, contract certainty with clear terms, 24/7 legal support, and additional value-adds like PR protection, reputation management, and mental health support that matter most when you actually need help.
Our reviewer’s read on each dimension, with quotes from the episode.
The episode covers a handful of genuinely useful distinctions for the target audience - occurrence vs. claims-made cover, discretionary vs. contract-certain, contingent cover when switching providers, and runoff cover post-retirement - but these insights are spread thin across heavy promotional interludes and basic scene-setting. Maybe 15 minutes of real content yields 4 - 5 actionable concepts, which is adequate but not dense.
if you're on an occurrence policy, um, as long as uh that policy was in force at the time of the treatment, no matter how long in the future a claim comes in, you'll be covered
contingent cover which will pick up any claims repudiated for the period you with that with that discretionary provider
The content is practical insurance education framed for a niche audience but follows a standard explainer format with no contrarian claims or first-principles reasoning. The contingent cover concept and the house-fire analogy for discretionary cover are the freshest angles; the rest is what any broker would say.
would you insure your house for fire and then wait till you've had the fire to find out whether you're covered or not?
discretionary cover is pretty much as it sounds. Um, it's down to the discretion of the provider whether they will cover a claim or not
Adam O'Keeffe is a relevant practitioner who founded AllMed Pro in 2011 and has genuine market knowledge of UK dental indemnity. However, the episode is functionally a vendor pitch - he is selling his own product throughout - which limits the credibility and independence of his advice.
since 2011 when we set up uh, you know, you only had three uh indemnity providers, medical defence organizations
we would be more than happy to provide you with an audit of your indemnity, see uh any money you can save
There are a handful of concrete specifics - the named 'Project Steer' initiative, a 2015 hypothetical retirement scenario, a 3-year price guarantee, and 2/4 weeks free loyalty bonuses - but no actual premium figures, claims-cost data, market share statistics, or comparison numbers across providers are offered.
I think it's called Project Steer, um, where a number of the indemnity providers uh are within that group
say a dentist retired in I don't know, 2015. Um, they have a claim come in now for treatment performed in 2015
Dr. James shows genuine curiosity and asks some practically useful questions - probing the advice-line myth and the retired-dentist liability scenario - but he never challenges the guest's obvious commercial conflict of interest, doesn't press for hard data on savings or claims trends, and allows extended product promotion to go unchallenged.
Is it that you you release press and media outlets that basically say positive things about the dentist, or you go to the source and you're like, hey, this isn't on?
I know that there is a common theme that litigation is going up in dentistry, or at least there was over the last few years. Is that still on the rise or is it kind of leveled off?
Computed from the transcript - who did the talking, and the words that came up most.
Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout. Shop now at - - - - - - - - - - - - - - - - - - - - - - - UK Dentists: Collect your verifiable CPD for this episode here >>> - - - - - - - - - - - - - - - - - - - - - - - Your indemnity renewal lands and the number looks bigger than last year, so the obvious question is: are you paying more for the same thing, or paying for protection you can actually rely on? We sit down with Adam O’Keeffe from AllMed Pro Insurance Specialists to translate the confusing bits of dental indemnity into plain English, so UK dentists can make sharper decisions at renewal time. We talk through why renewals peak around July, August and September, why indemnity premiums often rise quickly in the first years after qualification, and how claims trends and claims costs feed into pricing. Then we move past the headline quote and into what really determines value: 24/7 access to dental legal advice, whether you can get claims occurrence cover, and whether your policy has contract certainty with clear terms and conditions and the safety net of the Financial Ombudsman Service.
Transcribed and scored by The B2B Podcast Index.
1 - > Dr James: August slash September is a pretty painful time of the 2 - > year for us dentists because our indemnity fees are due and 3 - > those can tally up to quite the expense. 4 - > So certainly anything that can save on that front and ensure 5 - > that we're getting the best deal is helpful. 6 - > And that's why I have Mr. 7 - > Adam O'Keeffe joining us today from AllMed Pro Insurance 8 - > Specialists.
9 - > He's here to share with us what us dentists need to know in 10 - > order to save some money, get the best deal, ensure that our 11 - > cover is adequate for all eventualities, and make this 12 - > time of year as least painful as possible. 13 - > As ever, you can claim your CPD for this episode within the 14 - > official Dentists who invest Smart Money Members Club. 15 - > Smart Money Members Club also includes multiple mini courses 16 - > and webinar series on finance for dentists, including how to 17 - > become as tax efficient as possible, as well as 18 - > understanding investing.
19 - > All of this content counts as verifiable CPD, and you can 20 - > download your certificates there and then upon completion of 21 - > each lesson. 22 - > In addition to this, we also include a whopping 10% discount 23 - > on your dental indemnity and a 5% discount on lab bills for 24 - > dental principals, amongst other perks and discounts for 25 - > members. 26 - > Please use the link in the description to claim your 27 - > verifiable CPD for this episode. 28 - > Something super topical today, which is indemnity, and this is 29 - > the time of year where us dentists start to think about it 30 - > again.
31 - > And I've got my good compadre, good friend, Adam O'Keeffe 32 - > Satwaifu today, head of All Med Pro. 33 - > We're gonna be talking about indemnity and what you need to 34 - > know to get the best deal because everybody feels like 35 - > they're paying too much, right? 36 - > It's a common gripe. 37 - > Us dentists love a bargain, right?
38 - > And that's fine. 39 - > That's okay. 40 - > What do you reckon, Adam? 41 - > Adam: Yeah, well, you certainly do, and um, yeah, it's it's that 42 - > time of year.
43 - > Uh July, August, September, uh, the peak of indemnity renewals. 44 - > Um, so yeah, uh good time to have this conversation for sure. 45 - > Dr James: Let's do it. 46 - > Interested to know, and it might be there's probably this 47 - > might have an obvious answer.
48 - > I'm gonna ask it anyway. 49 - > Why is it that around about now there is a peak? 50 - > Is it because this is when all the FDs, or sorry, the well, 51 - > yeah, the FDs go into work, right? 52 - > And then this is it's like the renewal of the academic year.
53 - > It's like a knock-on effect from that, right? 54 - > Adam: Yeah, you've you've got a spot on the um most high most of 55 - > them graduated around this time of year, first job, um, going 56 - > into work September, October time. 57 - > So there's a few other times of year where um there's slight 58 - > peaks, January, February. 59 - > Um, but other than that, yeah, this is this is peak season.
60 - > Dr James: Interesting. 61 - > There we go. 62 - > I'm gonna ask another question that might have an obvious 63 - > answer, but again, I want to ask it anyway, because this is 64 - > always at the top of dentists' minds. 65 - > Why does it go up so much, almost like exponentially in the 66 - > first few years?
67 - > The the fee for indemnity, the renewal fee. 68 - > Adam, why do dentists typically experience that, at least with 69 - > some companies? 70 - > Adam: Um, well, if we if we're talking uh those who've recently 71 - > qualified, um, quite often there's a bit more supervision 72 - > around the first couple of years, so it's staged, the 73 - > premiums increase. 74 - > Um, in terms of increasing uh in in general terms, which we 75 - > are seeing uh many of the indemnity providers increase 76 - > their rates uh year on year, the main factor to that will be 77 - > claims.
78 - > Um we have seen claims trends on the app and claims costs on 79 - > the up over the last, you know, uh well year on year. 80 - > So um that's the main driver for premiums going up 81 - > generically, I would guess. 82 - > Dr James: Got a got a query as well, interest someone for the 83 - > audience. 84 - > I know that there is a common theme that litigation is going 85 - > up in dentistry, or at least there was over the last few 86 - > years.
87 - > Is that still on the rise or is it kind of leveled off? 88 - > Adam: Um I would say it's it's not as it's not as on the rise 89 - > as it was, say, four or five years ago. 90 - > It is leveling off, but claims claims are still very costly. 91 - > Um, so that's that's that's where the issue still lies.
92 - > Dr James: Yikes, okay, and naturally that's gonna come 93 - > through in our indemnity bill as a dentist. 94 - > Well, listen, it's a little bit like this. 95 - > If we're gonna have to pay for something, let's make sure we're 96 - > paying for value. 97 - > So let's cut to the chase.
98 - > How do us dentists know that we're getting a good deal when 99 - > it comes to our insurance renewal or our indemnity? 100 - > Adam: Well, there's there's a lot of good indemnity providers 101 - > out there nowadays in the last 10-15 years since 2011 when we 102 - > set up uh, you know, you only had three uh indemnity 103 - > providers, medical defence organizations, and it's it's 104 - > kind of moved on quite a bit over the last uh over that 105 - > period. 106 - > Um I would say you look beyond uh sort of the claims 107 - > occurrence, you look beyond the contract certainty, you look 108 - > beyond the 24-7 support, that's a very minimum, in my opinion, 109 - > uh what you should have.
110 - > Um you look beyond that, what else can that indemnity provider 111 - > provide me at my time of need? 112 - > Where is that um, you know, something might hit the press? 113 - > Do I need PR or reputation protection? 114 - > Um, you know, I'm struggling with uh, I don't know, mental 115 - > health, or you know, what else can this indemnity provider help 116 - > me at my time of need?
117 - > And I think that's that that's it really. 118 - > Um so yeah, it's getting fair value for what you are are 119 - > paying for and um making sure that indemnity provider is on on 120 - > your side. 121 - > Dr James: I see. 122 - > So as a minimum, those would be the things that you would 123 - > expect.
124 - > So that's almost like a checklist. 125 - > And am I right in sending not every obviously we're definitely 126 - > not hearing named, but just out of interest, you know, you know 127 - > more about the market than me. 128 - > It's not always a given that every provider provides that 129 - > stuff, right? 130 - > Adam: No, not all providers um offer the occurrence cover, um, 131 - > and not all providers provide contract certainty.
132 - > Um by contract certainty, I mean an insurance product with 133 - > terms and conditions. 134 - > Um uh or and you know, most do offer the 24-7 support, but 135 - > again, it that that's the sort of minimum expectation you'd 136 - > expect to speak to a dental legal advisor if you've got a uh 137 - > a query or or require advice. 138 - > Dr James: Interested to know, and I feel like you'll know the 139 - > answer to this. 140 - > Is there is it a bit of a is I don't know if this is an urban 141 - > myth or not, but some people say that even when you consult your 142 - > indemnity provider over the phone, as in you just have a 143 - > query or there's some sort of sniff of a complaint and you're 144 - > speaking to them for advice, that that then means that your 145 - > indemnity goes up.
146 - > Adam: No, um, well, I say I say no, not for us. 147 - > Uh we encourage uh individuals to give us a call at the end of 148 - > the day. 149 - > If we can uh get on to something early and stop that 150 - > sort of uh going towards a claim or escalating, we want to know 151 - > sooner rather than later. 152 - > And I know uh there is a project, uh I think it's called 153 - > Project Steer, um, where a number of the indemnity 154 - > providers uh are within that group, and that is one of the 155 - > main intentions of it, not to penalize dentists for using the 156 - > advice line.
157 - > Um so from our perspective, call us as much as you need. 158 - > Um we want to help you out early doors. 159 - > Dr James: Well, that makes sense actually, now that you said out 160 - > loud, because surely that investment of time on the 161 - > provider's half, on the provider's behalf, uh basically 162 - > uh will mean that they can then subsequently avoid more of an 163 - > outlay later. 164 - > Adam: Yeah, 100%.
165 - > That's exactly it. 166 - > Dr James: Makes sense. 167 - > Interesting, interesting. 168 - > Okay, one thing we have to talk about because this is a topic 169 - > of contention that I still feel a lot of dentists don't know 170 - > about this.
171 - > And certainly for the ones that do, they're a little up in arms 172 - > about it. 173 - > Discretionary versus non-discretionary cover. 174 - > Yeah, maybe it might be nice if we had a bit of an explainer as 175 - > to what those terms mean, first of all. 176 - > Adam: Yeah, of course.
177 - > I touched on it um right uh right back at the beginning. 178 - > Um, when we first set up in 2011, it was uh three 179 - > discretionary providers. 180 - > Now, discretionary cover is pretty much as it sounds. 181 - > Um, it's down to the discretion of the provider whether they 182 - > will cover a claim or not.
183 - > Um now, I always say, would you insure your house for fire and 184 - > then wait till you've had the fire to find out whether you're 185 - > covered or not? 186 - > Um you know, uh, would you cover your car? 187 - > And then, you know, you have an accident and it's only at the 188 - > point or the time of the accident you know whether you're 189 - > covered or not. 190 - > I don't think many of us would.
191 - > So with discretionary cover, there's no sort of terms and 192 - > conditions, um, there's no financial ombudsman service at 193 - > the end of it. 194 - > So if you if a claim is repudiated or rejected, then 195 - > you've got no rights of recourse. 196 - > So on the flip side, you have contract certainty or a contract 197 - > of insurance, it has the terms and conditions, uh, it has the 198 - > you know, you you complete your proposal, you say you're doing 199 - > X, Y, and Z, they they cover those for you.
200 - > And any exclusions will be there in black and white. 201 - > Um, and I mean exclusions, it's normally active activities you 202 - > haven't declared. 203 - > Um so it's and again, if there are any issues with that claim, 204 - > you've got you have got the Ombudsman service and the right 205 - > of recourse. 206 - > So um for me it's it's pretty obvious insurance or contract of 207 - > insurance is the way forward.
208 - > Dr James: And am I right in saying because I guess what 209 - > might be going through some people's heads who are listening 210 - > is they might be saying, hey, but if I get non-discretionary, 211 - > or sorry, if I get discretionary cover, in which case, well, 212 - > really it's not even necessarily the case that they'll give me 213 - > cover should there be a claim. 214 - > I guess what some people might assume is that that is cheaper 215 - > as a result. 216 - > Adam: No, no.
217 - > Um in some cases, you know, in some cases it'll be more 218 - > expensive. 219 - > Um yeah, looking at looking at uh all all the indemnity 220 - > providers, um, there's not too much between them in terms of 221 - > what you pay nowadays. 222 - > Um there's just different uh tweaks between what they cover 223 - > and what they don't. 224 - > Dr James: I see, so that's not even necessarily the case.
225 - > Well, it's good to spell that out, right? 226 - > Because you might assume that from listening. 227 - > Adam: Yeah, of course. 228 - > Yeah, yeah.
229 - > Dr James: It's a bit like to use a crude analogy, comprehensive 230 - > cover for your car versus third party. 231 - > The third party is gonna be cheaper, right? 232 - > But there's less cover. 233 - > Uh but it's not even it's not even quite third party.
234 - > It's just it's because at least third party you definitely will 235 - > get something if someone crashes into you, is literally 236 - > just the case. 237 - > Adam: There's some providers out there who offer claims made 238 - > insurance, uh, which is cheaper. 239 - > Um by claims made insurance, it is a con is contract certain 240 - > policy, but what it is is if you it's a bit like your car and 241 - > home insurance, really. 242 - > Um whilst the policy's enforced, your cover's enforced.
243 - > Once that policy ends, cover ends. 244 - > So in the scenario of a dentist, you do treatment 245 - > yesterday, your policy's in force. 246 - > Um yeah, it expires tomorrow. 247 - > If a claim comes in for treatment performed yesterday 248 - > and it's expired in a couple of days, you won't be covered.
249 - > So that is cheaper. 250 - > Obviously, there are ways you can work around that by renewing 251 - > the policy, going elsewhere, getting runoff cover. 252 - > But um, yeah, there are cheaper options, but I I wouldn't uh 253 - > advise taking claims made to insurance unless you unless you 254 - > really need to. 255 - > Dr James: Interesting.
256 - > And you just touched upon something that was always a 257 - > question in my mind. 258 - > Let's say you have a dentist who is covered their whole 259 - > career, and then all of a sudden they retire, and then let's say 260 - > they don't renew their GDC. 261 - > I don't know if that makes a difference or not, but let's say 262 - > they don't renew their GDC, then let's say a patient like 10 263 - > years later makes a claim against them, where does that 264 - > money come from?
265 - > Do they chase the dentist off? 266 - > Adam: Uh yeah, so if you're on an occurrence policy, um, as 267 - > long as uh that policy was in force at the time of the 268 - > treatment, no matter how long in the future a claim comes in, 269 - > you'll be covered. 270 - > So it would go back to that policy. 271 - > So say a dentist retired in I don't know, 2015.
272 - > Um, they have a claim come in now for treatment performed in 273 - > 2015, for instance. 274 - > As long as they had an occurrence policy in place, it 275 - > should pay out. 276 - > Dr James: I see. 277 - > And let's say they didn't have occurrence cover in place.
278 - > Would they subsequently personally be liable or would it 279 - > be the general practice? 280 - > Adam: Yeah, unless they've uh unless they've um found any 281 - > other arrangements, there there are things that you can arrange 282 - > like runoff cover with the insurer, but usually that's 283 - > payable annually after you retire. 284 - > Um some insurers include that as standard for maybe three 285 - > years, five years, ten years. 286 - > It depends on the insurer, really.
287 - > Um but yeah, if if there was no cover in place, um these law 288 - > firms like to chuck mud, so they'll chuck mud wherever it 289 - > sticks, whether that's the individual dentist, whether 290 - > that's the dental practice, or what whether that's any other 291 - > dentists who have been involved in the treatment. 292 - > So um, yeah. 293 - > Dr James: Wow. 294 - > So they'll they'll just put their mind to it and try to find 295 - > a way, basically.
296 - > Yeah. 297 - > I see. 298 - > Okay, interesting. 299 - > I always had that query in my mind.
300 - > I was like, how did that work? 301 - > Because you hear about vicarious liability. 302 - > Adam: Yeah. 303 - > Dr James: But that doesn't matter.
304 - > Yeah. 305 - > Adam: Yeah, that that's where that would come in, yeah. 306 - > Um often the name above the door will be the dental 307 - > practice. 308 - > Uh a claim comes in or claimant makes makes a claim.
309 - > The law firm will look to involve all parties involved in 310 - > in that treatment, usually. 311 - > Um, and quite often it'll it'll fall on the individual's 312 - > indemnity. 313 - > Um, but the vicarious liability is there for a number of 314 - > reasons. 315 - > One, if if they do have uh, you know, if if they are at fault 316 - > in any way in any way the practice.
317 - > Two, if that individual um, and we do see it, goes back 318 - > overseas, we can't find the indemnity cover, or um, you 319 - > know, or thirdly, maybe even the cover's expired, or you know, 320 - > we touched on it a moment ago, if it was on a claim is made 321 - > basis, they have not renewed it or they've not, you know, um, 322 - > that that's where the precarious liability might start step in. 323 - > Dr James: Interesting. 324 - > So, Adam, if we had to summarize everything, if you 325 - > were to give everybody who's a listener to this podcast a 326 - > checklist of the hot fact things that they hot, hot, hot and 327 - > sharp, hot and fast things, sorry, is the word I'm looking 328 - > for, things that they can take away to their indemnity provider 329 - > to make sure that they're covered and that all the bases 330 - > mentioned in this podcast are well, we we've got those, we've 331 - > got those protected, you're like they're the they're working for 332 - > the dentist, or we've got those in our hands, shall we say?
333 - > What would that be? 334 - > What would that be? 335 - > I know we'll put you on the spotlight there, but I feel like 336 - > you should have. 337 - > Adam: Well, I've touched on uh two or three of them already.
338 - > So claims occurrence, first and foremost, do they offer that? 339 - > Yes, uh great. 340 - > Contract certainty, again, we've we've touched on that. 341 - > Uh we've said the 24-7 support and advice, make sure that you 342 - > know, uh, maybe have a look who their dental legal advisors are 343 - > as well.
344 - > Um, you know, there's some really good dental legal 345 - > advisors out there. 346 - > There's other things you want to look at, like um contingent 347 - > cover. 348 - > And what I mean by contingent cover is there if you have moved 349 - > from a discretionary provider to an insurance-backed provider, 350 - > um, you and the claim come in for the time you're with a 351 - > discretionary provider, um, if there was if that discretionary 352 - > provider repudiated a claim, you're left a bit in the lurch.
353 - > So a number of the insurers, including ourselves, will 354 - > provide contingent cover which will pick up any claims 355 - > repudiated for the period you with that with that 356 - > discretionary provider. 357 - > So it just gives you that extra sort of uh security when you're 358 - > moving. 359 - > Because I know moving from the likes of uh the MDOs, um, those 360 - > who provide that that kind of cover, sometimes you know you've 361 - > been with them for 10, 12 years plus.
362 - > Um, and it's quite a big jump. 363 - > Um, and there's some uncertainty, and I think just 364 - > having some extra security around that that move is quite 365 - > important. 366 - > Um what other words, I mean I think there's also other things 367 - > like what we offer uh 24-7 GP support service. 368 - > Now, it might not sound much, but it's quite popular with our 369 - > members.
370 - > Um, if they're real or a member of their immediate family are 371 - > real, they can call up, um, get some help, get a prescription, 372 - > you know, get back to work quicker, even. 373 - > Uh, so I mean, it's just looking at what else they do 374 - > around around the indemnity and how else they can support you at 375 - > your time of need. 376 - > PR and reputation, what do they do around that? 377 - > Um, we know things do get out into the press, um, and your 378 - > reputation, uh, as you all know, is vital.
379 - > So, you know, uh, what else can they do to support you in that 380 - > in that time? 381 - > We we've got a PR team who will step in, help you out, um, and 382 - > try and turn that what might be which will be negative news into 383 - > a sort of a positive spin. 384 - > So those kind of things I'd really look out for. 385 - > Dr James: That is crazy, right?
386 - > That that that can be done, you know, uh that you can kind of 387 - > uh so you how does that work? 388 - > Just out of pure curiosity, more than anything else. 389 - > Is it that you you release press and media outlets that 390 - > basically say positive things about the dentist, or you go to 391 - > the source and you're like, hey, this isn't on? 392 - > I'm just curious.
393 - > Adam: Yeah, a lot of it is um and it's way above my pay grade 394 - > in terms of what they do, but um they've got PR teams who will 395 - > go onto the likes of Google uh and put positive news uh out 396 - > there on you and try and it almost try and get that negative 397 - > news down um through the ranking. 398 - > So um yeah, it's it's quite clever how they do it. 399 - > But um yeah, it's it's I I think it's a vital thing to 400 - > have. 401 - > Um some other things are like and it's it's it's what I think 402 - > uh is dentists need really, or or they need to look beyond year 403 - > one.
404 - > They need to look like what does next year look like, what 405 - > does a year after? 406 - > Um something we do is we provide a price guarantee for 407 - > three years, uh, you know, subject to not having lots of 408 - > claims, for instance. 409 - > But um I think that gives you just the assurance, you know, 410 - > I'm I'm paying this much next this year, next year it's gonna 411 - > be the same the following year. 412 - > And as part of that, we'll then give you a two weeks free cover 413 - > next year, four weeks a year after.
414 - > And I think I think I think for the type, you know, it's not 415 - > it's not a small outlay indemnity. 416 - > So I do believe it uh, you know, you should have some 417 - > reward for your loyalty. 418 - > So that's one thing which it's it's just looking at those 419 - > additional covers those those indemnity providers can offer 420 - > you. 421 - > Dr James: UK dentists, Dentists Who Invests now has an official 422 - > platform where you can learn about finance and obtain UK 423 - > compliant, verifiable CBD at the same time.
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434 - > I've gathered this content from the best of the best I could 435 - > find in each respective area so that you know that this is how 436 - > people at the forefront of each field advise their clients. 437 - > The Smart Money Members Club also contains discounts on 438 - > common things that UK dentists need to pay for on a regular 439 - > basis. 440 - > This includes a whopping 10% discount on dental indemnity, 441 - > the offer to beat your income protection deal no matter what 442 - > you're paying, and for the principals out there, 5% 443 - > discount on lab bills and 10% discount on practice insurance.
444 - > These are designed to offer hundreds, if not thousands, in 445 - > annual savings. 446 - > The purpose of this members club is to not only boost your 447 - > monthly income but also manage your outgoings as much as 448 - > possible and therefore create more profit. 449 - > To celebrate the launch of the Smart Money Members Club, and 450 - > given that the CPD deadline is coming up soon, I've decided to 451 - > offer the first month of this platform entirely for free. 452 - > This offer will end in the coming weeks as soon as the 453 - > current CPD cycle is up.
454 - > To collect your CPD for this podcast episode using the Smart 455 - > Money Members Club, feel free to use the link in the description 456 - > of this podcast. 457 - > Adam: We would be more than happy to provide you with an 458 - > audit of your indemnity, see uh any money you can save, and also 459 - > give you any advice on your current arrangements. 460 - > Uh please call me personally on 07725-580148 or 461 - > adamallmed.co.
uk is my email address. 462 - > We've got a link below, uh, which will take you to our 463 - > proposal and our indemnity offering.
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