Dental Tribune United Kindom Edition

25Money MattersJuly 30 - August 5, 2012United Kingdom Edition Best ever value cone beam CT Veraviewepocs 3D R100 & F40 Up to three times the image detail of other 3D X-ray systems Revolutionary R100 Reuleaux full arch view Compact, versatile and affordable Extra clarity for implantology, endodontics and oral surgery Focus on the anatomy you need to see Up to six fields of view from 40mm to R100 Reuleaux arch Confidence of high definition, distortion-free radiographs High speed, high quality, low dose image Easy and accurate automatic scout positioning Multi-layer panoramic images Up to three times the image The Dental Imaging Experts G Comprehensive service and support plans G Independent specialists in digital X-ray systems Telephone: 0845 602 4944 Email: info@thedentalimagingcompany.co.uk FREE demonstration call 0845 388 3380 or email info@morita-uk.com NEW See the difference www.thedentalimagingcompany.co.uk Conebeam A4 advert ACTUAL.indd 1 14/06/2012 15:06 a recourse to compensation by the Financial Services Com- pensation Scheme. Walk into any bank and you are sold anything from an ISA, Pension to Life Cover - banks tend to normally only offer one insurer and these tend to be much more expensive than what you could get from a Specialist Dental Independent Financial Adviser (IFA). A Specialist Dental IFA will source and recommend an appropriate policy and make sure that you have the correct cover in place. An IFA will also advise you on putting the policy in trust and tax plan- ning advantages, an internet application will not provide any of this type of advice. When selecting an IFA for protection you need to ensure that they have Whole of Mar- ket access for protection and not a Panel of Insurers. The difference between the two is that a Whole of Market Advis- er can access the Whole of the Market for products, whereas an Adviser who has a Panel of Insurers may only be able to access four or five insurers. A Whole of Market access IFA will ensure that all the insur- ers have been researched and you have been presented with the best options for your indi- vidual situation. Next steps.... The clock is ticking now... Why put off till tomorrow what you can do today? It would be prudent to get the process moving now to arrange cover. Applying for Life Insurance, Critical Illness Cover and Income Protection is not normally a straight- forward process. You have to meet up with the IFA, complete the applications forms, submit them to the insurer, a doctor’s report or Nurse Examination may be required. The Doctor may hold on to the report for a month before returning it to the insurer. If the policy is put into Trust, you would need the Trustees to complete the Trust forms and return them to the insurer. Market conditions will also affect the application process, the summer holidays and the expected rush of applications before the December 2012 deadline will slow down the processing of applications by insurers. DT ‘Forewarned is fore- armed’ - Buy now.... Save Later *HMRC Consultation Docu- ment, Dec 2011: UK response to the 1 March European Court of Justice ruling that insurance benefits and premiums after 21 December 2012 should be gen- der-neutral ‘Some people are driven purely by price and think that the cheapest pre- mium is the best, or that all policies are the same’ About the author Dino Charalambous works for Frank Taylor and Associates and is a Specialist Dental IFA with access to the Whole of the Market for pro- tection and provides a personalised service for his clients. Where pos- sible, he likes to provide face to face interviews so as to get a full understanding of his client’s re- quirements. Dino will take charge of your application and chase it to the end so that there is less hassle for the client. The Dental sector is his main focus as he has worked with many Dentists over the past eight years and has an insight into the sector as most of his friends are Dentists! Dino’s contact details are 08456 123 424 or 07939 457 589 or email: dino.charalambous@ft- associates.com FTA Finance Ltd is an appointed representative of IN Partnership the trading name of The On-Line Partnership Limited which is authorised and regulated by the Financial Services Author- ity. For an informal chat, please call Dino Charalambous on 07939 457589/08456 123 424 or get in con- tact by email dino.charalambous@ ft-associates.com.