DMS – The UK’s FIRST & best Short Term Income Replacement provider
MAXIMUM levels of benefit payment ensured & available for BOTH Employed clients and those running their own business, Self Employed or Controlling Directors.
Employed Clients and Clients running their own business have different needs. For that reason, we have policies designed specifically for those individuals. Click the links below for information about our Employed Client products: DMS Short Term Income Replacement (STIR) Value and DMS STIR Plus, DMS Home Guard Value and DMS Home Guard Plus and also for information on our UK first and unique product for Clients running their own business, DMS Business Guard.
You set the commission rate on each policy. Choose from 0% to 27.5%.
You can always secure the deal.
How is DMS Different
Every application is fully underwritten at outset.
DMS certificates say what is covered and what is not.
Advisers can discuss potential cases with DMS.
Find out in advance what terms can be offerred.
DMS offers a “common sense” approach to underwriting.
DMS products are available only via Financial Advisers
If you are a new Client, please email us and we will ask one of our Panel Advisers to contact you.
Please remember that because Advisers are independent and must offer you Best Advice, they may recommend a policy from another provider.
If you are a Financial Adviser who wishes to be added to our Panel please email us
Income Replacement and Home Guard for the Employed
Short Term Income Replacement (STIR) & Home Guard to cover Mortgage, Rent, Loans, Bills and Income Replacement all available in one policy with 2 major options (and a variety of smaller ones) Find out more about DMS Gold Standard STIR & Gold Standard Home Guard
Income Replacement for those running their own business
Our unique DMS Business Guard for Self-Employed and Controlling Directors ENSURES that the amount of benefit paid in the event of a claim is the amount of benefit applied for. Find out more about DMS Gold Standard Business Guard
Claims are the Heart of our business
During 2014-2016 we paid more claims than any other STIP/PPI/MPPI provider. Click Here to see how we pay more claims than anyone else.
DMS has simply the best administration on the market. DMS does it once, does it quickly and does it right. DMS admin is “head & shoulders” above the rest… Find out more about our Fantastic Administration