Optimum Blog

After the Love Has Gone


On the day after LOVE prevails it might seem hard thinking about losing the one you love.

Typically, the first thing we try to remember when someone dies is the last interaction we had with him, the last time we saw her face or the last words we exchanged. It seems the more recently you’ve seen a person alive, the more difficult it is to believe they are no longer here. All too often we find ourselves saying “but I just saw [him or] her.”


Nobody will ever pretend that losing your partner, the love of your life, father (or mother) of your children is easy. Not only do you have to deal with your grief and the grief of others around you, it’s often the case that you are left with additional responsibility. Undoubtedly one of the first things you will need to control are your finances. The everyday household bills, the weekly and monthly budget. You will need to look at any credit cards, loans and of course your mortgage. If you have insurances you will need to take them over but perhaps most importantly you will need to plan your finances for your future.


Arguably this will be the most stressful and difficult time of your life and that’s probably the reason why so many people choose to put the thought of it happening to the back of their minds. Its almost a “if we don’t talk about it, it won’t happen” scenario.


We all know that’s not true..


Grief manifests itself in many forms and that initial despair is the hardest part for anyone to overcome. If that heartbreak and despondency is magnified by financial hardship and a feeling of being “abandoned” to cope alone, all those that chose to “not talk about it” have almost certainly created a situation that they never wanted for the other and all those left behind.


Protection doesn’t insulate you from the pain of loss and it doesn’t change the fact that someone you lost has gone. What it can do however, is provide some form of legacy. It can repay your mortgage, replace an income, clear credit cards, pay off loans, pay for school fees and much more. It can help those grieving.


Its not just about Life Cover paying out on death. It’s somewhat ironic that LIFE cover is really about death, but there is also protection that covers accidents, sickness and being unable to work as well as dealing with more serious illnesses.


Here are some hard hitting facts for you..

• 24% of families don’t have the safety net of savings in the event the main earner became unwell (Aviva)
• 1 in 2 people born after 1960 will develop cancer in their lifetime (Cancer Research UK)
• Every 2 minutes someone is diagnosed with Cancer (Cancer Research UK)
• Every 7 minutes someone has a Heart Attack (Heart UK)
• Every 12 minutes someone has a Stroke (Heart UK)


I’m sure that this post might be seen as controversial by some, particularly so soon after yesterday of all days, but what better day?


At a time where we are supposed to be celebrating the one we love, surely it is also the time to think about being without them. Thinking about what we leave for the one we love and our family. Thinking about your families’ future.


One Day In February Isn’t Special But You Are!


Contact our Mortgage & Protection Adviser, Mark Alefounder on 01206 366700 or via email at [email protected] to arrange your appointment today so that we can start the process of reviewing your position.


There has never been a better time.



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