Policy Details 
Citadel is the brand name of The Dentists' & General's Long Term Income Protection product and provides benefit from the first day of incapacity depending on the option chosen. If you are incapacitated through illness or accident Citadel gives you a weekly benefit of between £60 and £1200 per week. How much you pay for your chosen level of benefit depends on your age, gender and which contract you have chosen.
There is a choice of six Citadel benefit packages:
The Day One Constant Bond - benefit is paid at a constant level until recovery, retirement or death.
The Day One Escalating Bond - again benefit is paid at a constant level as above. However, after 52 weeks the benefit will escalate by 3% and will continue to increase at that rate for every year the claim is valid.
The Deferred Constant Bond - full benefit is paid at a constant level until recovery, retirement or death. Choose from 4, 13, 26, or 52 weeks for your plan to commence.
The Deferred Escalating Bond - benefit is paid as in the above plan but will increase by 3% after 52 weeks of the claim and will continue to increase at that rate for every year the claim is valid.
The Day One Reducing Bond - full benefit is paid for the first 26 weeks of incapacity, reducing to 50% cover until recovery, retirement or death.
Double Bonds - benefit levels are unchanged but an additional subscription increases your share of the surplus.
We are confident that our rates are competitive but it is the additional benefits that make Citadel from the Dentists' & General so attractive.
Citadel is different from almost all other income replacement products because D&G is different from most providers. Subscribers become members of the D&G and acquire a share in the Society. All profits are owned by the members and after six months membership their Bonds earn a portion of the Society's annual profits. The Bond Apportionment is put in their Capital Account and invested. Members receive an Apportionment Certificate in May every year, informing them how much Apportionment has grown throughout the year and indicates total capital to date.
So when you subscribe to Citadel you will pay competitive rates for your cover, enjoy excellent benefits should you become incapacitated and you'll also get a tax-free* lump sum on or after your 55th or 60th birthday.
* free from UK personal income tax and capital gains tax under current legislation.
