Protection Policies

Life can be fragile and unpredictable and as we all know, just when you’re least expecting it, life can deliver the occasional problem. That being so, it’s important to have the correct protection policies in place to ensure that life events do not impact irreversibly on oneself, ones family or ones business. A well planned and robust wealth protection strategy can be equally as important as a wealth creation strategy in order to protect the wealth you have now or that you might create in the future.

However, prioritising needs, choosing the right options and making the optimum use of premiums can be difficult without obtaining professional advice. When it comes to specialist policies such as, life insurance, health insurance or income protection, it can be be beneficial to get advice from an Independent Financial Adviser such as Optimum, who are able to research the market to find policies which offer the best value and meet specific needs. Types of protection policies include:

  • Life Assurance
  • Critical Illness Cover
  • Income Protection Insurance
  • Private Medical Insurance

Policies can be applied to protect a whole range of consequences including:

  • Providing financial security for family or business in the event of death or critical illness
  • Providing funds to pay inheritance tax due on on estate in the event of death
  • Providing an income in the event of being unable to work through sickness or accident
  • Giving immediate access to private medical treatment

As independent advisers we are also in a position to advise on any trust arrangements, that may be required, where appropriate, to ensure our clients control over what happens to valuable protection.


Personalised Protection Policies

Protection policies and wealth preservation from Optimum will be specific and bespoke to our clients individual circumstances and will consider their personal financial protection needs & objectives.

Optimum Independent Financial Advisers have been great throughout the whole process; providing up-front, honest and prudent advice from the first appointment as well as providing clear and conscientious communication throughout the process – myself and my wife couldn’t fault it. At no point did we feel we were put under any pressure to take out any protection we didn’t want/couldn’t afford and now we’re confident we have peace of mind for the future. Thanks! Chris Green

Contact us about Protection Policies
To find out more about Protection Policies, without obligation, talk to one of our Independent Financial Advisers.
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