Life Insurance and Income Protection for Dentists
Income Protection for Dentists and Their Families
Chairside work, how you’re engaged, any practice you own and any cover in super all shape your personal cover. We help you review any existing cover, compare and apply for cover, and lodge a claim with you.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Describe your procedures, chair time and any non-clinical work on any insurance application
- Read each policy’s meaning of disability against the clinical procedures you perform
- Weigh TPD definitions for work that depends on your hands and eyes, and which ones an insurer offers for dentistry
- Set out a salary, any collections or lab fee arrangement and any company or trust income for an income protection application
- Weigh business expenses cover beside income protection if you own or share a practice
- Plan cover between dental practice partners for a buy-sell agreement a solicitor drafts
- Check any cover in super before you move from employee to contractor
- Review cover before postgraduate specialty training and again once the training ends
- Review cover at a buy-in, a sale or any stay-on period that follows a sale
- Lodge an insurance claim with you, attaching your chair hours and income records for the insurer
Who We Help
- Newly graduated dentists taking up their first associate position
- Employed associates in private or corporate practices
- Contracting associates working in their own name, with pay that may be a share of collections
- Company or trust contractors working as associates, with income shown through the entity
- Dentists undertaking postgraduate specialty study with clinical days reduced while the program runs
- Orthodontists, endodontists and periodontists along with oral surgeons, in practice after their training
- Partners buying into a practice taking on new loans and shared costs
- Principals running their own rooms carrying rent, staff and equipment costs
- Owners preparing to sell or heading into a stay-on period after a sale
What we advise on
How Each Cover Works Around Dental Work
Income Protection
When illness or injury keeps you from the chair, what could keep part of your income coming in?
Income protection’s monthly benefit, paid after a waiting period, can replace part of your income while you’re away from practice.
We’ll compare income protection with you around how you’re paid and the clinical work you do.
If illness or injury stops you working, income protection can pay part of your income after a waiting period, subject to the policy’s terms. The benefit is usually based on your earnings in the 12 months before the illness or injury, and each policy has its own definition of disability. Waiting periods can run from 14 days to 2 years.
Where your dental work meets an income protection policy:
- A policy’s meaning of disabled, read against the procedures on your usual clinical list, general or specialty
- Any pay drawn as a share of collections, with any lab fee split, compared with the earnings figure each policy would insure
- Any salary rise as an employed associate, and any increase option a policy offers, with the insurer assessing the change
- The benefit periods a policy offers for dentistry, from a fixed term to a set age, weighed against any practice or home debts
- Fewer days at the chair, for family or study, read against any weekly hours test in the policy
- Partial payments for a reduced patient list after time away, where a policy offers them
- Parental leave falling inside the 12 months before an illness or injury, and what the policy wording says about that period
- Paying for cover personally or through a fund, and whether a deduction can follow, put to an accountant
Life Insurance
Would your loved ones keep up with any repayments and everyday costs if you were no longer here?
Your beneficiaries can receive a lump sum, so any repayments and household costs needn’t fall on your loved ones alone.
We’ll total any debts with you, along with the costs your income meets now, to work out a life cover amount.
Life insurance can pay a lump sum to your beneficiaries if you pass away, and some policies include a terminal illness benefit. Insurers usually ask about your age and job when you apply. For cover in super, a valid binding nomination directs the trustee; without one, the trustee generally decides who receives the payment under the fund’s rules.
What we add up with you for life cover:
- Any fit-out finance, chair and imaging equipment leases or mortgage, totalled to show what a lump sum may need to clear
- Your share of any practice partnership, and what a buy-sell agreement drafted by a solicitor expects cover to fund
- Life insurance attached to any older super membership from corporate or associate work, counted before an account closes
- A personal guarantee behind any practice finance, and a life cover amount that could repay that debt
- A terminal illness payout brought forward from a life policy that offers one, once the insurer’s terms are met
- Your life sum insured revisited at a buy-in, new rooms or a sale, when practice debts change
- Any life cover linked to a practice loan, read for who owns the policy and who receives the payment
- A spouse or partner’s cover reviewed in the same conversation, if you share debts and household costs
TPD Insurance
Which plans could still go ahead if you were never able to practise again?
A TPD lump sum, payable when a claim is accepted under the policy’s disability definition, can go towards debts and later plans.
Together, we’ll read the TPD definitions an insurer offers against clinical dentistry and the other work a dental degree suits.
A TPD policy can pay a lump sum if illness or injury leaves you unable to work again, as the policy defines it. Moneysmart describes own occupation as being unable to work again in the job you were working in, and any occupation as any job suited to your education, training or experience. Own occupation cover is usually only available outside super, and which definitions an insurer offers can depend on the occupation.
What we weigh with you for TPD:
- Clinical dentistry as your own occupation, where an insurer offers the option, beside a test reaching any role your degree suits
- Lecturing, dental advisory or practice management work, and how an any occupation definition could treat such roles
- Disability definitions in any super from past employment, compared side by side with any policy you hold personally
- How a policy lists your occupation after you cut chair days or take on a non-clinical role
- A lump sum matched to any practice loan, fit-out finance and home borrowing, revisited when a balance moves
- Precise hand and eye work in your week, described plainly on a TPD application so the insurer has the full picture
- Where TPD is linked to life cover, a TPD payout may reduce the life cover, so the policy wording is read for whether it does
- Any tax on a TPD payout from super, which depends partly on your age, with an accountant working out the figure
Trauma Insurance
If a serious illness meant treatment and time away from patients, how might the costs be met?
For a listed condition that meets the policy’s definition and isn’t excluded, a trauma lump sum can help with costs.
Together, we’ll go through each condition a trauma policy lists, and how a lump sum works beside income protection.
A trauma policy can pay a lump sum when a listed condition meets the policy’s definition and isn’t excluded. Moneysmart notes that medical definitions can be different between insurers. New trauma cover can’t be held inside super, which has been the rule for policies written since 1 July 2014.
What we look at with you in a trauma policy:
- The definition for each condition a policy lists, read closely, since wording can differ between insurers
- Less advanced forms of a covered illness, and whether some part of the benefit is paid for them
- Locum fees or a lighter patient list while you’re in treatment, and the trauma lump sum sized for those months
- Infection acquired at work, which some policies list as an event, read for how the policy defines it
- Trauma joined to life insurance on one policy, read for whether a trauma payout reduces the life sum insured
- Trauma cover held for some years, compared with newer wording only after its existing terms are understood
- Premium and benefit tax treatment for trauma held outside super, worked through with an accountant
- Any mortgage repayments and practice drawings during a long recovery, and the size of lump sum that would carry them
Cover in Super
Could any cover in your super already fit the way you practise today?
Seeing every fund side by side shows any cover you already hold, before you keep, change or add to it.
We can read any super cover with you and set out changes in a financial plan, or Statement of Advice.
Default cover inside super can usually be issued without medical checks, though it may carry pre-existing condition rules set out in the fund’s PDS, and increasing it is usually underwritten like any other application. Own occupation TPD is usually only available outside super, and whether it’s offered can depend on the insurer and your occupation.
What we check in your super with you:
- Any funds left from hospital, university or corporate practice jobs, with each one’s insurance terms checked before closing an account
- Associate work through your own company, with any cover in super looked at before the first contract starts
- Your clinical role as any fund has it on file, corrected through the fund if the work you do has changed
- Any super cover held at a level set years ago, compared with your current debts and income
- Pre-existing condition terms that apply to any automatic cover, as written in each fund’s disclosure document
- Insurance costs coming off what’s in your super account, even in months with no contributions after a move to contracting
- Any plan to close or roll over an account, paused until its insurance has been read and compared
- Cover in super kept alongside policies you own outside it, with the role of each one set out
Associates and Contracting
Whether you’re employed or contracting as an associate, what keeps your cover in step with how you’re paid?
Looking at your cover against how you’re engaged can help it fit an employment agreement or a contract.
We’ll look at cover with you around how you’re engaged, before or after you sign an associate agreement.
Moneysmart notes that self-employed people don’t get paid sick leave, and suggests checking whether moving from employee to self-employed affects any insurance cover through super. On a contract, a business may still have to pay super if you’re paid mainly for your labour, for your own skills rather than a result, and you do the work yourself. A contract made with your company, trust or partnership is different: the business doesn’t have to pay super for whoever that entity employs.
What we work through with you on how you’re engaged:
- Any paid sick leave as an employed associate, and none when contracting, lined up with an income protection waiting period
- A contract in your own name, and whether the practice owes super under the three ATO tests for contractors
- Contracting through a company or trust, where the practice doesn’t pay super for you, so contributions are yours to plan
- An insurer working out income from your share of the entity’s profits, using financial statements and tax returns
- Collections, any lab fee arrangement and your contract terms, set out so an application shows how you’re paid
- Whether a policy is owned personally or through an entity, with an accountant advising on the structure
- Workers compensation, which is generally for employees, and whether a scheme treats a contractor as a worker, a question for the scheme or a lawyer
- Cover looked at before you sign a new associate agreement or change how you’re engaged
Owning a Practice
If you couldn’t treat patients for a while, what would keep the practice’s costs covered?
Business expenses cover and income protection do different jobs, one for practice costs and one for part of your income.
We’ll weigh business expenses cover beside income protection with you, if you own or share a practice.
Some policies offer business expenses cover, which can pay eligible fixed costs of running a business while you can’t work because of illness or injury, and excludes your own pay. Business interruption insurance is a separate general insurance product, arranged through a general insurer or broker, and questions about it go to them. Professional indemnity insurance, which the Dental Board requires for registration, must include civil liability cover.
What we look at with you as a practice owner:
- Rent, staff wages, equipment leases and utilities, checked against what a business expenses policy counts as eligible
- Your own pay, which business expenses cover excludes, planned through income protection instead
- Locum costs while you’re away, which some business expenses policies count as an eligible cost
- Cover to fund a buy-sell agreement between practice partners, drafted by a solicitor, if one partner passes away or becomes disabled
- Key person cover, where the practice relies on one clinician’s billings to meet its costs
- Ownership of business policies by you, the practice entity or a partner, worked out with an accountant
- Business cover looked at again at a buy-in or a move into new rooms
- Cover reviewed before a sale, and again through any stay-on period with the buyer
Making a Claim
Should you ever need to claim, what could make the process easier to follow?
Someone handling the forms and the insurer’s follow-up questions alongside you can make each stage of a claim clearer.
We’ll prepare and lodge a claim with you, then keep in touch while the insurer assesses it.
Moneysmart suggests that if you bought cover through a financial adviser, you speak to them first. An insurer can ask for medical reports, details of your work duties, including physical requirements, and the number of hours you work each week, along with payslips and tax returns, or financial statements if you’re self-employed. The insurer assesses the claim. A complaint goes first to the insurer or, for cover in super, the fund, then to AFCA if it isn’t resolved.
What we gather and follow up with you on a claim:
- The procedures and chair days of a normal week, set out for the time before the illness or injury
- Payslips, collections records or the company or trust’s financial statements, gathered as income evidence for the insurer
- Records of any hand, eye, neck or back condition affecting chair work, which the insurer will ask your permission to obtain
- Cover inside super, where the fund as well as the insurer plays a part in any claim decision
- Your associate agreement or partnership terms, if an insurer asks how your pay or profit share works
- A gradual return to a lighter clinical list, and the ongoing forms an insurer may ask for during that stage
- A workplace accident at the practice, with the scheme dealing with any workers compensation claim and a claim on your own insurance made with you
- If you’re unhappy with an outcome, the order to complain in: the insurer or super fund first, then AFCA if unresolved
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Your clinical duties: Insurers usually ask about your job when you apply. The procedures you perform, your time at the chair and any non-clinical work are worth describing accurately, so an application reflects the dentistry you do.
- Your clinical days and hours: Some policies only cover you if you work a minimum number of hours each week. Your usual clinical days are worth setting out, and worth checking again if you drop a day.
- How you’re paid: Income protection is usually based on your earnings in the 12 months before an illness or injury. Whether you’re paid a salary, a share of collections or profits through an entity, the policy’s definition of income decides what counts.
- Work that relies on your hands and eyes: Clinical dentistry asks for precise, sustained work, so a policy’s disability definition matters. Own occupation looks at your usual job, and any occupation at work suited to your education, training or experience. Which definitions are offered can depend on the occupation.
- Contracting as an associate: Contracting means no paid sick leave, and premiums for any cover in super keep coming out of your balance. Through a company or trust, an insurer may work out your income from your share of the business profits.
- Buying in or setting up rooms: A buy-in or new rooms can bring new debts and fixed costs. Income protection can pay part of your own income, while business expenses cover, offered by some policies, is a separate option for eligible practice costs.
- Postgraduate specialty training: Fewer clinical days during training can lower your earnings in the 12 months an income protection benefit looks at, and the work that follows may have a different scope. How a policy describes your occupation is worth reading, and some policies allow increases after set events.
- Selling or stepping back: A sale can change your practice debts and the business cover you need. Any stay-on period may turn an owner into an employee or contractor, and fewer chair days later on can change the hours a policy looks at.
Nothing on this list decides anything by itself, and it isn’t a complete list. We begin by learning how you practise, and any decision on cover is made by the insurer.
Your options
Why Work With a Financial Adviser for Your Personal Insurance?
| A Ryker financial adviser | Directly from an insurer | An online broker or comparison site | |
|---|---|---|---|
| Type of advice | Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313. | Usually general advice | Usually general advice |
| Advice that considers your health, family, work and goals | Yes, as part of your advice | Not with general advice | Not with general advice |
| Choice of insurers | A wide range | That insurer’s policies only | A panel of insurers, side by side |
| Help preparing your application | Yes, alongside you | The insurer’s own process | Varies |
| Advice on holding cover inside or outside super | Part of your advice | Not with general advice | Not with general advice |
| Support if you need to claim | Yes, we’re in your corner | The insurer’s claims team | Varies |
| Cost of advice | No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose: | No separate advice fee | No separate advice fee |
Type of advice
- Ryker financial adviser
- Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313.
- Direct from an insurer
- Usually general advice
- Online broker or comparison site
- Usually general advice
Advice that considers your health, family, work and goals
- Ryker financial adviser
- Yes, as part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Choice of insurers
- Ryker financial adviser
- A wide range
- Direct from an insurer
- That insurer’s policies only
- Online broker or comparison site
- A panel of insurers, side by side
Help preparing your application
- Ryker financial adviser
- Yes, alongside you
- Direct from an insurer
- The insurer’s own process
- Online broker or comparison site
- Varies
Advice on holding cover inside or outside super
- Ryker financial adviser
- Part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Support if you need to claim
- Ryker financial adviser
- Yes, we’re in your corner
- Direct from an insurer
- The insurer’s claims team
- Online broker or comparison site
- Varies
Cost of advice
- Ryker financial adviser
- No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose:
- Direct from an insurer
- No separate advice fee
- Online broker or comparison site
- No separate advice fee
Your Cover for Dentistry, Worked Through Together
Chairside Duties Set Out
Your procedures, clinical days and any non-clinical work described in full on any application.
How You’re Paid, Set Out
A salary, any collections or lab fee arrangement, or entity profits set out clearly for an income protection application.
Definitions Read for Clinical Work
Each policy’s disability definition read against chairside dentistry, and whether an insurer offers own occupation for it.
Practice and Personal Cover Separated
Business expenses cover and income protection weighed as two separate needs, if you own or share a practice.
Indemnity and Personal Cover Told Apart
How the indemnity cover registration requires differs from what personal cover can pay, in plain terms.
Cover Checked Before Contracting
Any cover in super looked at before you move from employee to contractor.
Cover Revisited at Practice Milestones
Any cover you hold looked at again when you buy in, open rooms, sell or start a stay-on period.
Claim Paperwork Shared With You
A claim lodged with you, your work and income records gathered together and the insurer followed up while it assesses.
Proactive, Holistic, and Experienced Financial Planning
We start by listening: to how you practise, how you’re paid and what you’d want your cover to do for you and anyone who relies on you. Each type of cover is explained in plain language, with the terms that matter set out as we go. Your questions are answered as they come up, and we move at a pace that suits you. Our recommendations usually reach you in writing, and every decision is yours.
The paperwork is shared with you. With your consent, we can request details from any super fund that holds cover for you, prepare what an application needs and keep in touch with the insurer while it assesses it. A partner, family member or practice partner is welcome in any conversation. If you ever need to claim, we lodge the claim with you and keep you updated until the insurer decides.
Every financial decision impacts the next
Your Financial Life Is Connected
Great advice starts with understanding the bigger picture. Every stage of life presents new opportunities and challenges, from buying property and changing careers to growing your family, planning for retirement and protecting what matters most. At Ryker, we help connect every piece of your financial world into one clear strategy.
Your
Wealth
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
Frequently Asked Questions
Ryker’s financial advisers are licensed to give personal advice under Synchron Advice’s Australian financial services licence (AFSL 243313). We start with you: your dental work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Dentistry can mean precise chairside procedures that rely on your hands and eyes, pay drawn from collections or a company or trust, and practice costs if you own rooms. Each can affect how an insurer assesses an application and how a policy pays, so your duties, hours and how you’re paid are part of what we look at.
With a financial adviser, you also have:
- Access to a wide range of insurers, who can assess the same health details differently
- Help preparing your application and answering the health questions with care
- Advice on whether to hold cover inside or outside super, and the trade-offs
- Reviews as your health, family and work change
- Someone in your corner if you ever need to claim
Going directly to an insurer can mean no separate advice fee, but you’ll only see that insurer’s policies, and you’ll generally receive general advice only, which doesn’t consider your personal circumstances.
Going through an online comparison site or broker, you may see more options side by side, but they also generally provide general advice only, which doesn’t consider your whole financial picture.
When we give you personal advice, the law requires us to act in your best interests, which we take personally. The insurer still decides whether to offer cover and on what terms.
We’re invested in your long-term success. What we do is personal, and we take it personally.
Your financial decisions connect, so we consider the parts of your financial life that are relevant to the advice you need:
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
This is how we help you make decisions today with your longer-term goals in view.
Everybody’s situation is different, so we listen first, understand what matters to you and explain your options clearly before we make a recommendation.
Professional indemnity insurance is a Dental Board registration requirement, and it must include civil liability cover. Questions about that cover, including what it does and doesn’t respond to, go to whoever provides or arranges it, and we don’t advise on it.
Income protection is personal cover held in your name, through super or by an entity. It can pay part of your income after a waiting period if illness or injury stops you working, subject to the policy’s terms. The two do different jobs, so holding one doesn’t stand in for the other. We can look at income protection with you, as a need separate from the indemnity cover your registration requires.
They set what being unable to work means in a TPD claim. Moneysmart describes own occupation as being unable to work again in the job you were working in before your disability, and any occupation as being unable to work in any job suited to your education, training or experience. For a dentist, that second test could look at roles such as teaching, advisory or practice management work.
Own occupation cover is usually only available outside super, and an insurer may offer it for selected occupations only, so which definitions you’re offered is the insurer’s decision. Income protection policies have their own definitions of disability too. We can read each wording with you against the clinical work you do.
Three kinds of cover can sound alike here. Business expenses cover, offered by some policies, can pay eligible fixed costs such as rent, equipment leases and, where a policy includes them, wages for staff who don’t generate income, while you can’t work because of illness or injury, and it excludes your own pay. Income protection is the cover that can pay part of your own income. Business interruption insurance is separate again: it’s general insurance, arranged through a general insurer or broker, and questions about it go to whoever arranged it.
If you share a practice, key person cover or cover to fund a buy-sell agreement may also be worth weighing, with a solicitor drafting the agreement. We can look at the personal and business expenses side with you.
For a self-employed dentist working through a company or trust, an insurer may work out income from your share of the business profits rather than from payslips. Financial statements and tax returns are the usual evidence, and income protection is usually based on your earnings in the 12 months before an illness or injury.
How a policy defines income, including how it treats any collections, lab fees or drawings, depends on its wording, so the definition is worth reading before you apply. An accountant advises on the structure itself. We can set out your income with you for an application and compare how policies define it.
The fund’s terms decide what happens to any cover it holds, and premiums for that cover keep coming out of your balance. Separately, on a contract, a business may still have to pay super if you’re paid mainly for your labour, for your own skills rather than a result, and you do the work yourself. A contract made with your company, trust or partnership is different: the business doesn’t have to pay super for whoever that entity employs.
Moneysmart suggests checking your cover through super when you move from employee to self-employed. We can look at any cover in super with you before you start.
A sale can change what your cover needs to do. Practice loans may be repaid, business policies such as business expenses or key person cover may no longer fit, and the sale proceeds can change what anyone relying on you would need. Cover you already hold was issued on its own terms, and the policy wording sets when they can change, so it’s worth reading before you change or replace it.
If the sale includes a stay-on period, you may become an employee or contractor of the buyer, which can change your sick leave, your super and how your income is shown. We can review your cover with you before and after the sale.
Your accountant and financial adviser bring different expertise to the same decisions. Your accountant can advise on tax reporting, structures and consequences; we help you plan how cashflow, debt, super, investments and protection work towards your goals. We can coordinate before important decisions.
What an accountant does
- Prepares and lodges tax returns, BAS and financial statements
- Advises on tax structures such as companies, trusts and partnerships
- Manages bookkeeping, payroll and ATO compliance
- Provides tax advice on the consequences of a transaction
What a financial adviser does
- Sets a long term strategy across retirement, investing and cash flow
- Builds wealth from early in a working life, starting with cash flow, a first home and super
- Recommends specific super funds, investments and personal insurance
- Operates under an Australian Financial Services Licence, which is required to give personal advice on financial products
- Handles retirement planning, Centrelink and aged care strategy, and estate planning considerations
Professional roles and authorisations matter. We provide financial advice within our authorisations and work with your accountant for specialist tax advice and lodgements.
Where they work together
- Tax position. Your accountant confirms your marginal rate, deductions and carried forward losses, which shapes decisions on super contributions, investment structures and the timing of asset sales.
- Business and entity structures. Your accountant advises on the structure itself and your financial adviser works within it for investments, insurance and succession planning.
- Cash flow. Your accountant’s figures can help us understand what’s available for debt repayment, protection and longer-term goals.
- Before key decisions. We can coordinate with your accountant on contributions, asset sales and other material choices in time to consider relevant tax consequences.
Yes. Whatever your role in dentistry, we begin by learning about the work you do and how your income is earned.
There’s no cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Helpful documents include any associate agreement, collections or profit figures, fund insurance details and existing insurance documents. Health reports aren’t asked for at this stage, and from there we’ll suggest a sensible starting point.
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