DMS – The UK’s FIRST & BEST Short Term Income Replacement provider

MAXIMUM levels of benefit payment 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, DMS Home Guard and also for information on our UK first and unique product for Clients running their own business, DMS Business Guard.

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.
Find out more »

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

Fantastic Administration

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