LONDON | EDINBURGH | CARDIFF | BELFAST
Business Protection and Private Medical Insurance Solutions
Optima Health and Life provide comprehensive financial and healthcare solutions for businesses across the UK.
With a focus on safeguarding your family, business and employees, we specialise in advising and arranging a wide range of tailored business protection products and tax efficient employee benefits. Our expert team of financial consultants understands the intricate needs of modern businesses, offering personalised guidance and products that provide security and peace of mind.
Tailored Solutions: We understand that every business is unique, which is why we offer tailored solutions to meet your specific requirements and objectives.
Expert Advice: Our team of experienced financial consultants are dedicated to providing expert guidance, ensuring you make informed decisions that align with your business goals.
Client-Centric Approach: We prioritise building lasting relationships with our clients, offering ongoing support and guidance to help you navigate the complexities of the financial landscape.
Trust and Integrity: We uphold the highest standards of trust and integrity, ensuring transparency and honesty in all our interactions and transactions.
Contact us today to discuss how we can help protect the future of your business with our comprehensive range of financial protection solutions.
Our Main Business Protection Products
RELEVANT
LIFE PLAN
Relevant Life Plans (RLP) are an extremely tax efficient life insurance policy that a business can provide for individual employees, including directors. Monthly premiums receive corporate tax relief of up to 25% and attract no employer NIC cost. No P11D benefit is incurred, saving employees and directors both national insurance and income tax costs.
OWNERSHIP
PROTECTION
Designed to protect a business from the potentially damaging financial implications of a shareholders' or partners' death, ownership protection (also known as shareholder or partnership protection) typically consists of life insurance to which critical illness cover may be added.
PRIVATE MEDICAL
INSURANCE
Health Insurance or Private Medical Insurance (PMI) gives individuals, families and employees convenient and rapid access to high-quality private medical facilities, medical treatments and procedures. For the most serious of conditions, you get the peace of mind knowing your treatment can begin quickly.
ADVISER, INSURER DIRECT OR COMPARISON SITE?
Advisers and independent brokers (like us) work for you rather than for the insurance company as its sole agent.
Insurer direct and comparison sites are great for car and home but you're not guaranteed an advised proposition when it comes to life insurance and similar products.
As Financial Consultants, we use our knowledge and experience to help you assess your unique protection needs. We provide regulated advice (with accountability), source and explain the most appropriate products from the whole market, and can assist you when making a claim.
COMPARING INSURERS
We have access to a comprehensive panel of leading UK insurers, representative of the whole market. Comparing insurers allows us to assess the various features and benefits included in their policies, helping you choose the provider and product that aligns with your preferences and needs whilst providing the necessary cover for your circumstances.
WHO REGULATES US
Optima Health & Life are a trading style of Match Mortgages Limited
who are authorised and regulated by the Financial Conduct Authority (under number 983246 in respect of mortgage, insurance and consumer credit mediation activities only).
You can check this on the Financial Services Register
by visiting the FCA’s website www.fca.org.uk or by contacting the FCA on 0800 1116768.
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