Declined for Life Insurance / Income Protection / Critical Illness Cover? We Can Still Get You Protected

If you’ve been declined for life insurance, income protection, or critical illness cover, whether due to health issues, BMI, mental health history, or job type, you might feel like your options are limited.

But being declined doesn’t mean you’re uninsurable.

At Optima Health and Life, we specialise in helping clients who’ve been told “no” by traditional insurers.

We offer access to practical, flexible cover through MetLife — policies you can’t get online or direct with MetLife.

They’re only available through a registered adviser like us.

✅ MetLife EverydayProtect – No health questions

✅ MetLife MortgageSafe (Accident & Illness) – Just 5 simple health questions

These plans offer straightforward protection when you need it most — without the stress of medical exams or lengthy forms.

MetLife EverydayProtect

Cash payouts for life’s unexpected moments — no health questions asked.

EverydayProtect pays fixed cash amounts for a range of common injuries and health events — from a broken bone to hospital stays, and even death or permanent disability. Best of all, everyone is accepted, regardless of medical history.

A Glance at Some Key Benefits:

• Up to £200,000 for accidental death

• Up to £10,000 for non-accidental death

• Up to £250,000 for total permanent disability

• Up to £5,000 per broken bone

• Fixed payouts for injuries like fractures, burns, dislocations, and hospital stays

• Optional active lifestyle cover and childrens cover

• No health questions or medical exams

• Fast claims – typically paid within 3 working days

• Cover available for individuals, couples, or families

Exclusively available through a registered adviser — not online, not direct

💻 Included: Free Access to GP24 Virtual GP Appointments

With EverydayProtect, you and your family also get access to GP24, provided by HealthHero — a 24/7 virtual GP service.

• Speak to a UK-registered GP any time, anywhere in the world

• Appointments available 24 hours a day, 365 days a year

• No additional cost — included as part of your policy

MetLife MortgageSafe (Accident & Illness Cover)

Protect your home — even if illness or injury keeps you off work

If you’re unable to work due to an accident or illness, MortgageSafe helps cover your mortgage, so your home stays secure while you recover.

Key Benefits:

• Monthly payouts to cover mortgage payments of up to £1,500 per month for up to two-years per claim.

• Just 5 simple medical questions — no exams or reports or nurse screenings

• Covers employed, self-employed and contract workers

• Covers up to 110% of the value of your monthly repayments

• A short four-week waiting period when a claim is made

• Backdated benefit pay to day one

• Straightforward claims process

"MortgageSafe is an innovative policy, and the pricing is very competitive. And because the underwriting only looks-back over the past year, it can protect many people who haven’t been able to take out other forms of illness protection with the cover they need."

Only available through a registered adviser — not available online or from MetLife directly

Why Choose Us?

We help people who’ve been declined by traditional insurers find affordable, reliable cover. Our approach is supportive, straightforward, and focused on what you can get — not what you can’t.

• ✔ Specialists in helping clients who’ve been declined

• ✔ Access to exclusive MetLife protection products

• ✔ No medicals or intrusive questions

• ✔ Real advice, real solutions — with no pressure

Let’s Get You Covered

Don’t let a decline stop you from protecting your health, your family, or your home. Let’s talk about how MetLife EverydayProtect and MortgageSafe can offer you peace of mind, fast.

📞 Call: 0204 5533237

📧 Email: stephen@optimahealthandlife.co.uk

🌐 Visit: www.optimahealthandlife.co.uk

Declined before? You still have options. We specialise in finding them.