Life Insurance and Income Protection for GPs
Income Protection for GPs and Their Families
How you’re engaged, your sessions, any incentive income and any cover in super all shape how personal cover works for you. We help you compare cover, check any cover you hold and lodge a claim with you.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Describe your clinical work, any procedural or hospital sessions and your weekly sessions accurately on a cover application
- Gather tax returns or financial statements for an income protection application on a service agreement
- Check how a policy’s income definition treats any incentive payments and billings outside a payslip
- Line up registrar leave under any NTCER contract, or any cash reserves on a service agreement, with an income protection waiting period
- Weigh any occupation TPD wording against consulting in general practice, and whether own occupation is offered for it
- Consider business expenses cover for practice rent, staff and any locum costs
- Look at life and TPD cover against any practice loan or buy-sell arrangement, with a solicitor drafting the agreement
- Read any cover in each super fund before a move from a payroll to a service agreement
- Review any cover you hold after fellowship, a practice buy-in or a move to fewer sessions
- Prepare claim paperwork with you for income protection or a practice’s business expenses cover, and lodge it together
Who We Help
- GP registrars on fixed-term contracts in community practices
- Rural generalist registrars combining hospital and community work
- Newly fellowed GPs deciding between salary, contract or ownership
- Contractor GPs billing through their own name, company or trust
- Salaried GPs with leave and super paid by an employer
- GPs across several practices with sessions spread across the week
- Rural GPs with any hospital visiting work
- Practice partners and owners with rooms, staff and any loans behind the practice
- GPs cutting back towards retirement or a part-time week
What we advise on
How Each Cover Works Around General Practice
Income Protection
What could help cover the household bills if illness or injury kept you away from the practice for a while?
Paid after a waiting period, income protection can replace part of your income and help with the household bills.
Together, we’ll compare income protection around how you’re engaged in general practice and how you’re paid.
Income protection can pay part of your income after a waiting period if illness or injury stops you working, subject to the policy’s terms. The benefit is usually based on what you earned in the 12 months before the illness or injury, and each policy defines income and disability in its own way. Waiting periods can run from 14 days to 2 years, and benefits can be paid for a set number of years or to an age.
What we look at with you for income protection in general practice:
- A registrar’s NTCER personal leave, where it applies to the contract, matched to an income protection waiting period
- No paid sick leave on a service agreement, so any savings and your cash flow can guide the waiting period
- Earnings from more than one practice in the same year, added together the way a policy measures income
- Incentive payments and billings outside a payslip, and whether they count depends on how the policy defines income
- Fewer sessions, and any minimum number of hours a policy sets, looked at before you give up a clinic day
- The benefit periods an insurer offers for general practice, to an age or for a term, set against your consulting years ahead
- Any parental leave, exam study or move to rural practice falling inside the 12 months a benefit is usually based on
- Any visiting work at a rural hospital, set out with your practice earnings when an application asks about income
Life Insurance
Would there be enough for your loved ones to manage any debts and everyday costs if you were no longer here?
A lump sum paid to your beneficiaries can help your loved ones clear debts and keep up with daily life.
We’ll start with any debts and any cover in super, then work out a life cover amount with you.
Life insurance can pay a lump sum to your beneficiaries if you pass away, and some policies also include a terminal illness benefit. Insurers usually ask about your age and job when you apply. If no beneficiary is named, your estate or the super trustee may decide where the money goes.
What we total and read with you for life cover:
- Any mortgage, any borrowing for a practice share and any personal guarantee to a lender, totalled for the life amount
- Life cover held across more than one super fund, added together so the total is clear before any rollover
- Binding or non-binding nominations in super, and the beneficiaries named on any life policy outside it
- A life policy with TPD attached, where a TPD claim paid can lower what remains for your beneficiaries
- If you have a partner, their own life cover, so both incomes and any shared debts are planned at once
- Fellowship, a buy-in or a new home, if you take one on, each a point to look again at the sum insured
- Any policy you own outside super, issued on its own terms, with the wording read before you swap it for another
- A practice partner leaving, and any life cover arranged to fund a buy-sell agreement read again with you
TPD Insurance
Where could funding for your longer-term plans come from if you could never return to work?
TPD cover can pay a lump sum towards debts and future plans if you can’t work again, as the policy defines it.
Together, we can read each TPD definition an insurer offers against clinical work in general practice.
A TPD policy can pay a lump sum if illness or injury means you’re unlikely to work again, under the policy’s own definition. An own occupation test looks at your usual job, while an any occupation test looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super, and whether it’s offered can depend on the insurer and your occupation. TPD cover in super usually ends at an age.
What we compare with you on TPD:
- Medical education, advisory or administrative work your qualifications could lead to, and how an any occupation test may weigh it
- General practice consulting as the own occupation measure, if an insurer offers one, beside a definition built on any suitable job
- Fewer clinical sessions or a move into non-clinical roles, and the job title any insurer or fund then holds for you
- Disability definitions in any super account from hospital or training years, compared before that account is closed
- A TPD sum sized against debts and future living costs, and looked at again after a buy-in or new loan
- Any procedural work you do, such as skin checks or minor surgery, described in full on a TPD application
- Income protection for a period of recovery and TPD for a permanent change, sized so the two fit together
- The tax that may apply to a TPD benefit paid from super, estimated with an accountant ahead of any decision
Trauma Insurance
Should a serious illness mean treatment and weeks away from consulting, what could help with the costs?
Trauma insurance can pay a lump sum towards costs for a listed condition that meets the policy’s definition and isn’t excluded.
We’ll explain the conditions a trauma policy lists and how a lump sum would sit beside income protection or business expenses cover.
A trauma policy lists the serious illnesses and injuries it covers, and can pay a lump sum when one meets the policy’s definition and isn’t excluded. 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 read with you in a trauma policy:
- Cancer, heart and stroke definitions in each policy, set side by side because insurers word them differently
- Part payments for an early-stage diagnosis, on any policy that includes them, with the definition for each stage read closely
- A trauma payout to carry the weeks before an income protection benefit begins, with no sick leave on a service agreement
- Practice costs during recovery for owners, with a trauma payment planned beside any business expenses cover
- A trauma payout used to keep up practice loan repayments while you recover, if you carry a practice loan
- Any trauma policy you took out early in your career, checked against current wording so you can decide whether to keep it
- Time away from consulting for treatment, with a trauma sum set against the household costs of those months
- Gap payments and any travel from a rural practice for care, weighed with you when setting a trauma amount
Cover in Super
How well does any cover in your super match the way you practise now?
Any insurance in each fund, read before anything changes, can help you keep the cover that suits you.
We can check any insurance held in your super 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. If your fund includes income protection, its benefit and waiting periods are those its insurance terms offer or set by default.
What we check in each fund with you:
- Any super accounts from hospital jobs or training practices, with whatever cover each holds listed before any are merged
- A move from a payroll to a service agreement, and whether super is still paid for you, confirmed with an accountant
- Contributions you make yourself on a contract, within the caps, with an accountant on any deduction
- The TPD definition any fund applies, read for how it would treat a doctor unable to practise
- Any hospital job title still on a fund’s records after a move to general practice, corrected with the fund
- Increases to cover in super, which the insurer usually underwrites like a new application
- Insurance costs charged to your super account every year, and how they add up over a working life
- Insurance in any super fund from public hospital work, and what its cover provides before you rely on it in general practice
Contracting to a Practice
On a service agreement, what could replace part of your income if you were unable to consult for a while?
Income protection can pay part of your income after a waiting period, giving you time to adjust.
We can work through options and apply for cover with you before a service agreement starts, or soon after.
Workers compensation is separate, through a state, territory or Commonwealth scheme, and is generally an employer’s insurance for its employees. On a contract, a business may still have to pay super if you’re paid mainly for your own labour and skills rather than for a result, and you do the work yourself. A contract with your company, trust or partnership is different: the business doesn’t have to pay super for whoever that entity employs.
What we look at with you on a service agreement:
- A first year on contract with little income history, and how an insurer may assess that income
- Tax returns, financial statements and any BAS from your practice income, gathered with you for an application
- A service fee kept by the practice, and whether it’s counted depends on how the policy defines income
- Income an insurer may measure from your share of business profit when you bill through your own company or trust
- Super on a contract in your own name compared with super through your own company or trust
- Workers compensation held by a practice, generally for its employees, with any question about contractors put to the scheme
- Sessions at more than one practice, each listed in full so an application shows all your income
- A break between service agreements, and how any gap in billings may show in the income an insurer looks at
Owning or Buying Into a Practice
If you own or part-own a practice, how could its rent and wages keep being met while you’re unable to work?
Business expenses cover can help with eligible fixed costs while you can’t work, subject to the policy’s terms.
We can look at cover for you and for the practice’s fixed costs together, alongside a solicitor on any agreement.
Business expenses cover can help meet a business’s eligible fixed costs while you can’t work, subject to the policy’s terms. Some policies list costs such as employing a locum and the wages of staff who don’t generate income, and pay a monthly benefit for a set period, up to 12 months on some. Your own pay isn’t a business expense under this cover, which is what income protection is for.
What we look at with you as a practice owner or partner:
- Locum costs to keep the practice open while you’re away, where a business expenses policy lists them
- Rent, staff wages and other fixed practice costs, set out with you for a business expenses application
- Your own drawings or pay planned through income protection, since business expenses cover excludes the owner’s pay
- Life and TPD cover set against any practice loan or personal guarantee you have signed
- Buy-sell funding between partners through life or TPD cover, with the agreement drafted by a solicitor
- Key person cover where the practice relies on your billings, with the tax side worked through with an accountant
- Increase options some policies offer after a business event, such as a larger share in the practice
- A partner or family member employed in the practice, with each person’s duties and income set out
Making a Claim
What support could make a claim simpler to manage if you ever need to make one?
Having the claim lodged with you and followed up can give you more time for recovery and family.
We’ll lodge a claim with you, gather what the insurer asks for and follow it up while the insurer assesses it.
If you arranged cover through a financial adviser, Moneysmart suggests speaking to them first. The insurer may ask for medical reports, your work duties, including physical requirements, and your weekly hours, along with payslips and tax returns, or financial statements if you’re self-employed. The insurer assesses the claim, and a complaint goes first to the insurer or, for cover in super, the fund, then to AFCA.
How we help with a claim:
- Claim forms for each cover you claim on, completed with you and returned to whichever insurer or fund handles it
- Any hospital discharge summaries or specialist letters from your treatment, which the insurer will ask your permission to obtain
- Your consulting sessions and any procedures or home visits in the year before you stopped, set out for the insurer
- Financial statements or tax returns that show any share of practice profit, collected for an income protection claim
- A locum’s fees, rent and staff wages, set out each month for a business expenses claim if you own a practice
- Any workers compensation claim as a registrar or employee is the scheme’s to decide, apart from the personal insurance claim we lodge with you
- Going back to a few sessions a week first, with any partial benefit a policy pays during that stage
- Your right to complain about a claim decision, first to the insurer or fund, then to AFCA, explained in plain terms
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Your clinical work: Insurers usually ask about your job when you apply. General practice can include procedures, home or aged care visits, or hospital sessions in rural areas, so describing any of these you do gives an accurate picture.
- Your sessions and hours: Some policies only cover you if you work a minimum number of hours each week. Setting out your sessions at each practice you work at shows your usual week, and it’s worth checking again before you cut back.
- How you’re engaged: Being a registrar, on salary, on contract or an owner changes how your income is shown. An insurer may treat a contracting GP or a practice owner as self-employed and work out income from their share of business profits.
- Billings and incentive income: Income protection is usually based on your earnings in the 12 months before an illness or injury. Whether any incentive payments, or billings outside a payslip, are counted depends on how the policy defines income.
- Indemnity and your income: Professional indemnity insurance is a registration requirement that covers civil liability, such as the cost of defending a legal claim and any damages payable. It’s a different thing from cover for your own income, so it helps to know which policy does what.
- Training terms: Under the NTCER, if it applies to your contract, personal leave is set for each contract, and unused leave rolls over across consecutive contracts with the same practice. Any cover in your super stays with your fund rather than the practice, so it’s worth checking between terms.
- Fellowship and a new arrangement: Your earnings and how you’re engaged can change at fellowship. Any cover taken out on registrar pay may be worth reviewing against what you now earn, and the insurer decides on any increase.
- A practice, a move or fewer sessions: A buy-in or practice loan, a move to rural practice with hospital work, or fewer sessions can change your duties, debts and hours, so any cover you hold is worth looking at again.
This list isn’t complete, and nothing on it decides anything on its own. We start by learning about your situation, and any decision on cover is the insurer’s.
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 General Practice, Worked Through Together
Your Clinical Work Set Out
Any procedures, home visits and hospital sessions, and your weekly sessions, described in full on an application.
Contract Income Documented
Tax returns or financial statements gathered with you for an income protection application.
Incentive Income Read Closely
How each policy’s definition of income treats any incentive payments, read through with you.
Income Cover Kept Apart From Indemnity
Income protection considered for your own income, as a separate thing from indemnity insurance for civil liability.
Cover Checked Between Training Terms
Any cover in your super read before a new term or a move to another practice.
Practice Costs Considered
Business expenses cover looked at for any rent, staff and locum costs if you own or part-own a practice.
Cover Revisited After Fellowship
Insured amounts reviewed against what you earn if fellowship or a new arrangement changes your income.
Claim Paperwork Carried With You
A claim lodged with you, with your duties and income records gathered and the insurer followed up.
Proactive, Holistic, and Experienced Financial Planning
Choosing cover is easier when each option is explained plainly. We start by listening to how you practise, how you’re paid and what you want your cover to do for you and the people close to you. From there, we talk through each type of cover, answer your questions as they come up and move at a pace that suits your week. Our recommendations usually come to you in writing, and the decision to go ahead is yours.
We also carry the paperwork with you. With your consent, we can request insurance details from any fund that holds cover for you, gather the income records and other evidence an application needs, and stay in touch with the insurer while your application is assessed. A partner, or a colleague you share a practice with, is welcome to join a conversation where it’s relevant. If you ever need to claim, we’ll lodge the claim with you and follow it up until the insurer has made its decision.
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 work in general practice, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Working in general practice can mean a registrar contract, a salary, a service agreement or owning a practice, with sessions that can change and any incentive income. Each can affect how an insurer assesses an application and what a policy is there to do, so they’re 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 something you need in place to practise, and it’s insurance against civil liability. It covers the cost of defending a legal claim made against you, as well as any damages payable. In private practice you generally arrange your own, and under the NTCER, if it applies to your contract, a registrar holds indemnity insurance and gives the training practice proof of it.
Income protection is about your own income. It can pay part of your income after a waiting period if illness or injury stops you working, subject to the policy’s terms. We don’t advise on indemnity insurance, and we can look at income protection and any other personal cover with you.
Under the NTCER, if it applies to your contract, personal and carer’s leave is 5 days full-time equivalent for a six-month contract. Unused leave rolls over across consecutive contracts with the same training practice, and the practice insures workers compensation for you as its registrar.
Any cover in your super stays with your fund rather than the practice. When you start a new job, your employer generally pays into your existing super fund unless you choose another; a default fund applies only if you have no fund. With a few days of personal leave in each term, an income protection waiting period is worth choosing with care. We can look at any cover you hold with you before or between terms.
It depends on the policy. Incentive payments arrive outside a regular payslip, such as any GP training incentives, Workforce Incentive Program payments or a share of Bulk Billing Practice Incentive Program payments, if you receive them. Training incentives and Workforce Incentive Program payments are assessable income, and whether a policy counts any incentive payment as the income it insures depends on how the policy defines income.
Income protection is usually based on your earnings in the 12 months before an illness or injury, so the timing of any incentive payments in that year can matter. The tax side of incentive payments is one to plan with an accountant. We can read each policy’s income definition with you before you apply.
Business expenses cover can help meet a business’s eligible fixed costs while you’re unable to work through illness or injury, subject to the policy’s terms. Some policies list costs such as employing a locum, the wages of staff who don’t generate income, rent and professional memberships, and pay a monthly benefit for a set period, up to 12 months on some.
Your own pay or drawings aren’t a business expense under this cover, which is what income protection is for, so the two can be looked at together. The tax side of the premiums and any benefit is one to work through with an accountant. We can look at both covers with you alongside the practice’s fixed costs.
A buy-in can change your debts and your role, so a few parts of your cover are worth looking at. Life and TPD cover can be set against any practice loan or personal guarantee you take on. If you’re joining partners, life or TPD cover can fund a buy-sell agreement, which a solicitor drafts. Key person cover may suit if the practice relies on your billings, and business expenses cover can help with eligible fixed costs while you can’t work.
Some policies also let you increase cover after a business event, such as a larger interest in a practice. We can look at each part with you, and the insurer decides on any cover and its terms.
Fewer sessions can change a few things worth checking. Some policies only cover you if you work a minimum number of hours each week, and income protection is usually based on your earnings in the 12 months before an illness or injury, so a lighter year can change the benefit a policy works out. The occupation and duties recorded on a policy or by your fund may also need updating.
We can review any cover you hold with you before or after the change.
Insurance offers through a membership or a partner organisation can be a reasonable way to see what’s available. An offer of this kind generally comes with general advice only, which doesn’t consider your personal circumstances.
Personal advice starts from how you’re engaged, your income evidence, any cover in super and any practice costs you carry, then compares policies from a wide range of insurers. We can look at any offer you’ve received alongside other options with you, so you can see where each one fits.
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. Registrar, salaried, contracting or running a practice, you start in the same place with us: how you consult, how your income reaches you and what you’d like protected.
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. If they’re handy, any registrar contract or service agreement, a recent tax return and any insurance details from your fund or insurer help us see where you stand today. From there, we’ll talk through which cover to look at first.
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