LONDON | EDINBURGH | CARDIFF | BELFAST
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 WE WORK WITH
Optima Health and Life is an independent website created to help customers find the most suitable protection insurance policy for their requirements. We do not provide any financial advice. Instead, we provide leads to an FCA Regulated Businesses, Match Financial Partners FCA number 983246 who are authorised and regulated by the Financial Conduct Authority. Their advisers search and compare policies from the UK's leading insurers to find the best deals. Our service is 100% free to use and you are under no obligation to accept any of the quotes you receive.