Transitioning to Practice

An Exciting Milestone in your Career

It’s a good time for financial advice.

CDSPI is here to help you.

Graduation is a significant milestone that can bring both excitement and challenges. This is an important time to start thinking about the road ahead and transitioning to practice. You can count on CDSPI for support now and throughout your career.

If there’s one thing you should know about CDSPI, it’s that we’re different from other financial services firms. Our mission, structure and not-for-profit status truly sets us apart. We have been advancing the financial wellness of dentists for over 60 years.

Find out what makes us unique and why that’s important for you.

The Benefits of No-Cost Insurance1 After Graduation

If you are protected by CDSPI No-cost Undergraduate Insurance, you have several advantages as an associate:

  • Your life, disability and accident coverage will double upon graduation at no cost to you – giving you twice the protection at no cost until December 31 of your graduating year.
  • Once the no-cost period ends, you’ll receive a 50% reduction on premiums for life, accident and office insurance for three years following your graduation.
  • You will also receive a 15% lifetime reduction on premiums for DisabilityGuard™2 Insurance.

1No-cost coverage ends on December 31st of your graduation year. Coverage is available only to eligible full-time dental students who are enrolled at an accredited Canadian university at the time of application. Coverage in the Undergraduate Package starts on the date on which your properly completed application to enroll is received by CDSPI. The “Double-Up” Graduate Package automatically starts on your graduation date. The Optional Graduate Package coverage starts on the date of your graduation or the date your application is approved if later. After graduation, you will be sent a separate activation form for TripleGuardTM Insurance. No medical evidence is required to obtain TripleGuardTM Insurance. Student who are age 65 or over are not eligible for Life, Disability Insurance and AD&D coverage.

2DisabilityGuard™ Insurance is a trademark of CDSPI. See the policy for full terms and conditions.

Explore more tools and resources created for new dentists in mind

Dental Career Options

You’re embarking on an exciting career in dentistry, but you will face some daunting choices. Take your time, be sure to reflect, and try to make informed decisions to help shape your future career path.

Pay Down Debt or Invest?

Looking for advice on how to manage debt and repay student loans? Our advisory team specializes in helping students and new dentists make smart decisions.

Start Saving with an RRSP and TFSA

Time Matters. Start Now.


With an RRSP and TFSA from CDSPI, you gain access to a wide range of leading funds with low management fees as well as investment advice from Certified Financial Planner® professionals at CDSPI Advisory Services Inc. 3

They work exclusively with dentists at every stage of their career and can make recommendations based on a unique understanding of your needs.

Registered Retirement Savings Plan (RRSP)

An RRSP can help you reduce your taxes while saving for the future. Your money grows faster since the growth is tax-deferred and you can deduct the amount contributed to your RRSP from your income, reducing your tax payable. You can also use your unused contribution room from previous years to contribute more to your RRSP when you are able.

Tax-Free Savings Account (TFSA)

A TFSA allows you to invest without paying tax on the growth. You’re able to make tax-free withdrawals whenever you want and can access unused contribution room dating back to 2009.

3Advisory services provided by licensed advisors at CDSPI Advisory Services Inc.

Frequently Asked Questions

We’re happy to discuss our policy features with you at any time. Call 1-800-561-9401 to speak with one of our advisors or email us at

*Insurance advisory services are provided by licensed advisors at CDSPI Advisory Services Inc. Restrictions may apply to advisory services in certain jurisdictions.

DisabilityGuard Insurance is underwritten by The Manufacturers Life Insurance Company (Manulife), PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8.

Only practising dentists may apply for coverage under DisabilityGuard™ Insurance.

The information contained here is a summary only. A full description of DisabilityGuard™ coverage and eligibility, including restrictions and limitations is contained in the certificate booklet, which sets out all the coverage terms and conditions.

The information contained here is only a summary. A full description of each plan’s coverage and eligibility, including restrictions and limitations is contained in the certificate booklets, which sets out all the coverage terms, conditions and provisions.

It's Important to Have a MAP—no-cost personal support 24/7/365

We understand that this can be a stressful time. That’s why CDSPI is pleased to sponsor the Members’ Assistance Program (MAP)4, providing access to important services such as short-term counselling, professional referrals, and a variety of resources to support your physical and mental well-being.

Sad african woman drinking coffee at home.

4MAP is operated by Shepell, the largest Canadian-based Employee and Family Assistance provider in the country. Available services vary by region. Use of MAP services is completely confidential within the limits of the law.