Dentist Rajpreet drills into income protection


Rajpreet’s story

Dr Rajpreet Sidhu is a hard-working young dentist from Wolverhampton. After qualifying in 2013, he’s spent the last three years working for NHS surgeries in his home town.

family income protection

Rajpreet spends his leisure time enjoying sports like football and badminton and hiking, when he gets the chance.

But he also gives his time freely to his local community and to overseas charities that he feels passionate about.

Among other things, he’s a familiar figure at his local Sikh temple where he runs evening classes in GCSE-level mathematics for students of all ages.

As he explains, “I think that’s probably why I became a dentist. I’ve always liked science and I like doing practical things but I’m also a ‘people person’.”

“I like being in a caring profession as it means I can help people; that’s probably why I moonlight as a maths teacher in my spare time too,” says Rajpreet.


Why Rajpreet chose dentists’
income protection

rajpreet-mountain-hikingAlthough he’s still a young man, Rajpreet has known about the need for income protection for some time. “Income protection is important to dentists as we’re frequently self-employed,” he says.

“I was initially introduced to the idea in university.

“Back then, an adviser from a mutual society visited the campus and presented to the senior year of the dental school.

“Like a lot of my friends, I signed up,” he says, “but the cover on offer was only minimal, so recently I decided to look around for a better option.

“An online search led me to Drewberry which did all the work for me. Their site enabled me to get income protection quotes and policy details from the whole market, so by the time I talked to a Drewberry adviser I already felt well informed.

“As a dentist, I’m self-employed but I also qualify for NHS sick pay benefits,” explains Rajpreet, “so I needed to find a policy with a six-month deferral period.”

“Because of the deferral period, and the fact that I’m still young, the premiums were very low. This meant that I could lock-in these low premiums with a policy that offers inflation-linked benefits for the future.”

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Income protection provides
dentists with peace of mind

“I feel good about putting my new dentist income protection policy in place as it’s one less thing to worry about down the road,” he says.


“It means I’ll already have cover in place when I come to take out a mortgage and it also means I’ll never become a burden on my family if the worst should happen.

“Since taking out my policy with Drewberry I’ve recommended them to a number of the young dentists I work alongside and I know that one’s already taken out a new policy of his own.”

income protection for dentists

Specialist income protection for dentists

Rajpreet’s Drewberry adviser, Victoria Slade, recalls, “We recommended that Rajpreet take out a policy with Aviva as they’ve set out their stall to be the most competitive provider for dentists.”


“The policy will pay out an index-linked £3,000 a month, for however long it might be needed, right up until he’s 60 years old – that’s 35 years of full cover.

“By this time, he’ll have built up a considerable pension pot, so if his health should fail him he’ll have something else to fall back on by this stage.”

Victoria Slade
Independent Protection Expert at Drewberry

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Written by:
Stephen Moore
Head of Content at Drewberry

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