Optimal Insurance

Optimal Insurance With more than 25 years of insurance experience, I offer personalized advice designed around your unique needs.

My services are 100% free, so you get expert guidance without the cost. Paula Cook, trading as Paula Cook Mortgage Broker Limited, is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority: FCA Number 460421

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it. Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority

๐€ ๐ฉ๐š๐ฒ ๐ซ๐ข๐ฌ๐ž ๐œ๐š๐ง ๐ช๐ฎ๐ข๐ž๐ญ๐ฅ๐ฒ ๐ข๐ง๐œ๐ซ๐ž๐š๐ฌ๐ž ๐ฒ๐จ๐ฎ๐ซ ๐ซ๐ข๐ฌ๐ค.โ˜‘Bigger lifestyleโ˜‘Bigger commitmentsโ˜‘Same protectionRemember to update your po...
01/03/2026

๐€ ๐ฉ๐š๐ฒ ๐ซ๐ข๐ฌ๐ž ๐œ๐š๐ง ๐ช๐ฎ๐ข๐ž๐ญ๐ฅ๐ฒ ๐ข๐ง๐œ๐ซ๐ž๐š๐ฌ๐ž ๐ฒ๐จ๐ฎ๐ซ ๐ซ๐ข๐ฌ๐ค.

โ˜‘Bigger lifestyle
โ˜‘Bigger commitments
โ˜‘Same protection

Remember to update your policy with the new amount that you would like covering.
Most employer benefits only cover a portion of income and often end after a set period.

I help people understand what their work benefits ACTUALLY cover (itโ€™s rarely what they think).

If youโ€™ve changed jobs recently, message WORK and Iโ€™ll let you know if your protection still works for you or not.

๐ƒ๐จ ๐ฒ๐จ๐ฎ ๐ซ๐ž๐ง๐ญ ๐š ๐ฉ๐ซ๐จ๐ฉ๐ž๐ซ๐ญ๐ฒ?Renters often think protection is only for homeowners.๐๐ฎ๐ญ ๐ซ๐ž๐ง๐ญ ๐๐จ๐ž๐ฌ๐งโ€™๐ญ ๐ฉ๐š๐ฎ๐ฌ๐ž ๐ข๐Ÿ ๐ฒ๐จ๐ฎโ€™๐ซ๐ž ๐ข๐ฅ๐ฅ.And la...
28/02/2026

๐ƒ๐จ ๐ฒ๐จ๐ฎ ๐ซ๐ž๐ง๐ญ ๐š ๐ฉ๐ซ๐จ๐ฉ๐ž๐ซ๐ญ๐ฒ?
Renters often think protection is only for homeowners.

๐๐ฎ๐ญ ๐ซ๐ž๐ง๐ญ ๐๐จ๐ž๐ฌ๐งโ€™๐ญ ๐ฉ๐š๐ฎ๐ฌ๐ž ๐ข๐Ÿ ๐ฒ๐จ๐ฎโ€™๐ซ๐ž ๐ข๐ฅ๐ฅ.

And landlords donโ€™t accept sick notes.

Ensure you have the correct insurance in place to avoid eviction situations.

If your household relies on your income, message RENT and Iโ€™ll show you your real backup plan

๐“๐ก๐ž ๐Ÿ๐ข๐ญ๐ญ๐ž๐ฌ๐ญ ๐œ๐ฅ๐ข๐ž๐ง๐ญ๐ฌ ๐š๐ซ๐ž ๐ฎ๐ฌ๐ฎ๐š๐ฅ๐ฅ๐ฒ ๐ญ๐ก๐ž ๐ฅ๐ž๐š๐ฌ๐ญ ๐ฉ๐ซ๐จ๐ญ๐ž๐œ๐ญ๐ž๐.Most claims I see are:CancerHeart issuesStrokes๐๐จ๐ญ ๐š๐œ๐œ๐ข๐๐ž๐ง๐ญ๐ฌ.Health ...
26/02/2026

๐“๐ก๐ž ๐Ÿ๐ข๐ญ๐ญ๐ž๐ฌ๐ญ ๐œ๐ฅ๐ข๐ž๐ง๐ญ๐ฌ ๐š๐ซ๐ž ๐ฎ๐ฌ๐ฎ๐š๐ฅ๐ฅ๐ฒ ๐ญ๐ก๐ž ๐ฅ๐ž๐š๐ฌ๐ญ ๐ฉ๐ซ๐จ๐ญ๐ž๐œ๐ญ๐ž๐.

Most claims I see are:
Cancer
Heart issues
Strokes

๐๐จ๐ญ ๐š๐œ๐œ๐ข๐๐ž๐ง๐ญ๐ฌ.

Health lowers cost โ€” it doesnโ€™t remove risk.

๐ˆ๐Ÿ ๐ฒ๐จ๐ฎโ€™๐ซ๐ž ๐ก๐ž๐š๐ฅ๐ญ๐ก๐ฒ, ๐ง๐จ๐ฐ ๐ข๐ฌ ๐ญ๐ก๐ž ๐œ๐ก๐ž๐š๐ฉ๐ž๐ฌ๐ญ ๐ญ๐ข๐ฆ๐ž ๐ญ๐จ ๐œ๐ก๐ž๐œ๐ค.
Message FIT and Iโ€™ll show you what cover would cost today vs later.

At Optimal Insurance ๐ฐ๐žโ€™๐ฅ๐ฅ ๐ซ๐ž๐ฏ๐ข๐ž๐ฐ ๐ฒ๐จ๐ฎ๐ซ ๐ž๐ฑ๐ข๐ฌ๐ญ๐ข๐ง๐  ๐ฉ๐จ๐ฅ๐ข๐œ๐ข๐ž๐ฌ ๐š๐ง๐ ๐ž๐ฑ๐ฉ๐ฅ๐š๐ข๐ง ๐ข๐ง ๐ฉ๐ฅ๐š๐ข๐ง ๐„๐ง๐ ๐ฅ๐ข๐ฌ๐ก ๐ฐ๐ก๐ž๐ญ๐ก๐ž๐ซ ๐ญ๐ก๐ž๐ฒ ๐ฌ๐ญ๐ข๐ฅ๐ฅ ๐๐จ ๐ญ๐ก๐ž ๐ฃ๐จ๐› ๐ญ๐ก๐ž๐ฒ...
24/02/2026

At Optimal Insurance ๐ฐ๐žโ€™๐ฅ๐ฅ ๐ซ๐ž๐ฏ๐ข๐ž๐ฐ ๐ฒ๐จ๐ฎ๐ซ ๐ž๐ฑ๐ข๐ฌ๐ญ๐ข๐ง๐  ๐ฉ๐จ๐ฅ๐ข๐œ๐ข๐ž๐ฌ ๐š๐ง๐ ๐ž๐ฑ๐ฉ๐ฅ๐š๐ข๐ง ๐ข๐ง ๐ฉ๐ฅ๐š๐ข๐ง ๐„๐ง๐ ๐ฅ๐ข๐ฌ๐ก ๐ฐ๐ก๐ž๐ญ๐ก๐ž๐ซ ๐ญ๐ก๐ž๐ฒ ๐ฌ๐ญ๐ข๐ฅ๐ฅ ๐๐จ ๐ญ๐ก๐ž ๐ฃ๐จ๐› ๐ญ๐ก๐ž๐ฒโ€™๐ซ๐ž ๐ฆ๐ž๐š๐ง๐ญ ๐ญ๐จ ๐๐จ โ€” ๐š๐ง๐ ๐ข๐Ÿ ๐ญ๐ก๐ž๐ซ๐žโ€™๐ฌ ๐š ๐›๐ž๐ญ๐ญ๐ž๐ซ ๐จ๐ฉ๐ญ๐ข๐จ๐ง, ๐ฐ๐žโ€™๐ฅ๐ฅ ๐ฌ๐ก๐จ๐ฐ ๐ฒ๐จ๐ฎ ๐ž๐ฑ๐š๐œ๐ญ๐ฅ๐ฒ ๐ฐ๐ก๐ฒ.

We use a simple traffic-light check:

๐ŸŸข Green โ€” Youโ€™re good to go
๐ŸŸ  Amber โ€” Some areas donโ€™t quite fit anymore
๐Ÿ”ด Red โ€” You definitely need a better policy

No pressure, no obligation โ€” just clarity.

Message REVIEW and weโ€™ll take a look for you.

๐‡๐š๐ฏ๐ข๐ง๐  ๐š ๐›๐š๐›๐ฒ ๐œ๐ก๐š๐ง๐ ๐ž๐ฌ ๐ฐ๐ก๐š๐ญ โ€œ๐ซ๐ข๐ฌ๐คโ€ ๐ฆ๐ž๐š๐ง๐ฌ.Before kids โ†’ illness affects youAfter kids โ†’ illness affects their home, and th...
22/02/2026

๐‡๐š๐ฏ๐ข๐ง๐  ๐š ๐›๐š๐›๐ฒ ๐œ๐ก๐š๐ง๐ ๐ž๐ฌ ๐ฐ๐ก๐š๐ญ โ€œ๐ซ๐ข๐ฌ๐คโ€ ๐ฆ๐ž๐š๐ง๐ฌ.

Before kids โ†’ illness affects you
After kids โ†’ illness affects their home, and their lives.

๐Œ๐จ๐ฌ๐ญ ๐ฉ๐š๐ซ๐ž๐ง๐ญ๐ฌ ๐ข๐ง๐ฌ๐ฎ๐ซ๐ž ๐ฉ๐ซ๐š๐ฆ๐ฌ, ๐ฉ๐ก๐จ๐ง๐ž๐ฌ ๐š๐ง๐ ๐œ๐š๐ซ๐ฌ ๐›๐ž๐Ÿ๐จ๐ซ๐ž ๐ญ๐ก๐ž๐ฒ ๐ข๐ง๐ฌ๐ฎ๐ซ๐ž ๐ญ๐ก๐ž ๐ข๐ง๐œ๐จ๐ฆ๐ž ๐Ÿ๐ž๐ž๐๐ข๐ง๐  ๐ญ๐ก๐ž ๐Ÿ๐š๐ฆ๐ข๐ฅ๐ฒ.

I offer a free 15-minute protection review for parents so you know:
โ€ข how long money would last
โ€ข what support actually exists
โ€ข what gaps you have
โ€ข we can do a free review of your current policy to ensure you have the correct cover.

๐๐จ ๐ฉ๐ซ๐ž๐ฌ๐ฌ๐ฎ๐ซ๐ž โ€” ๐ฃ๐ฎ๐ฌ๐ญ ๐œ๐ฅ๐š๐ซ๐ข๐ญ๐ฒ.

Message us today if you want me to check your policy and ensure your family are correctly covered.

๐๐ฎ๐ข๐œ๐ค ๐ช๐ฎ๐ž๐ฌ๐ญ๐ข๐จ๐ง:How long would your household money last if income stopped tomorrow?Most people guess 6โ€“12 months.๐€๐ฏ๐ž๐ซ๐š๐ ๐ž...
20/02/2026

๐๐ฎ๐ข๐œ๐ค ๐ช๐ฎ๐ž๐ฌ๐ญ๐ข๐จ๐ง:

How long would your household money last if income stopped tomorrow?

Most people guess 6โ€“12 months.

๐€๐ฏ๐ž๐ซ๐š๐ ๐ž ๐š๐ง๐ฌ๐ฐ๐ž๐ซ ๐š๐Ÿ๐ญ๐ž๐ซ ๐ฐ๐ž ๐œ๐š๐ฅ๐œ๐ฎ๐ฅ๐š๐ญ๐ž ๐ข๐ญ: ๐Ÿ”โ€“๐Ÿ– ๐ฐ๐ž๐ž๐ค๐ฌ.

I run free 15-minute โ€œwhat ifโ€ checks โ€” no products discussed unless you ask.

Comment or message WHAT IF and Iโ€™ll send you the booking link.

๐“๐จ๐๐š๐ฒ ๐ฐ๐š๐ฌ๐งโ€™๐ญ ๐š ๐ฌ๐š๐ฅ๐ž๐ฌ ๐ฆ๐ž๐ž๐ญ๐ข๐ง๐ . ๐ˆ๐ญ ๐ฐ๐š๐ฌ ๐š ๐ซ๐ž๐ฅ๐ข๐ž๐Ÿ ๐ฆ๐ž๐ž๐ญ๐ข๐ง๐ .A client thought theyโ€™d lose their house if illness hit โ€” turns ou...
18/02/2026

๐“๐จ๐๐š๐ฒ ๐ฐ๐š๐ฌ๐งโ€™๐ญ ๐š ๐ฌ๐š๐ฅ๐ž๐ฌ ๐ฆ๐ž๐ž๐ญ๐ข๐ง๐ . ๐ˆ๐ญ ๐ฐ๐š๐ฌ ๐š ๐ซ๐ž๐ฅ๐ข๐ž๐Ÿ ๐ฆ๐ž๐ž๐ญ๐ข๐ง๐ .

A client thought theyโ€™d lose their house if illness hit โ€” turns out they had some cover but a huge gap.

๐–๐ž ๐Ÿ๐ข๐ฑ๐ž๐ ๐ข๐ญ ๐Ÿ๐จ๐ซ ๐ฅ๐ž๐ฌ๐ฌ ๐ญ๐ก๐š๐ง ๐ญ๐ก๐ž๐ข๐ซ ๐ฆ๐จ๐ง๐ญ๐ก๐ฅ๐ฒ ๐ญ๐š๐ค๐ž๐š๐ฐ๐š๐ฒ๐ฌ.

People donโ€™t need pushing into insurance.
They need someone to translate the small print into real life and to ensure you get the correct policy for your individual needs.

If you want your policy reviewed and explained in plain English, message REVIEW.

#ษชษดแด„แดแดแด‡แด˜ส€แดแด›แด‡แด„แด›ษชแดษด

At Optimal Insurance ๐ฐ๐žโ€™๐ฅ๐ฅ ๐ซ๐ž๐ฏ๐ข๐ž๐ฐ ๐ฒ๐จ๐ฎ๐ซ ๐ž๐ฑ๐ข๐ฌ๐ญ๐ข๐ง๐  ๐ฉ๐จ๐ฅ๐ข๐œ๐ข๐ž๐ฌ ๐š๐ง๐ ๐ž๐ฑ๐ฉ๐ฅ๐š๐ข๐ง ๐ข๐ง ๐ฉ๐ฅ๐š๐ข๐ง ๐„๐ง๐ ๐ฅ๐ข๐ฌ๐ก ๐ฐ๐ก๐ž๐ญ๐ก๐ž๐ซ ๐ญ๐ก๐ž๐ฒ ๐ฌ๐ญ๐ข๐ฅ๐ฅ ๐๐จ ๐ญ๐ก๐ž ๐ฃ๐จ๐› ๐ญ๐ก๐ž๐ฒ...
17/02/2026

At Optimal Insurance ๐ฐ๐žโ€™๐ฅ๐ฅ ๐ซ๐ž๐ฏ๐ข๐ž๐ฐ ๐ฒ๐จ๐ฎ๐ซ ๐ž๐ฑ๐ข๐ฌ๐ญ๐ข๐ง๐  ๐ฉ๐จ๐ฅ๐ข๐œ๐ข๐ž๐ฌ ๐š๐ง๐ ๐ž๐ฑ๐ฉ๐ฅ๐š๐ข๐ง ๐ข๐ง ๐ฉ๐ฅ๐š๐ข๐ง ๐„๐ง๐ ๐ฅ๐ข๐ฌ๐ก ๐ฐ๐ก๐ž๐ญ๐ก๐ž๐ซ ๐ญ๐ก๐ž๐ฒ ๐ฌ๐ญ๐ข๐ฅ๐ฅ ๐๐จ ๐ญ๐ก๐ž ๐ฃ๐จ๐› ๐ญ๐ก๐ž๐ฒโ€™๐ซ๐ž ๐ฆ๐ž๐š๐ง๐ญ ๐ญ๐จ ๐๐จ โ€” ๐š๐ง๐ ๐ข๐Ÿ ๐ญ๐ก๐ž๐ซ๐žโ€™๐ฌ ๐š ๐›๐ž๐ญ๐ญ๐ž๐ซ ๐จ๐ฉ๐ญ๐ข๐จ๐ง, ๐ฐ๐žโ€™๐ฅ๐ฅ ๐ฌ๐ก๐จ๐ฐ ๐ฒ๐จ๐ฎ ๐ž๐ฑ๐š๐œ๐ญ๐ฅ๐ฒ ๐ฐ๐ก๐ฒ.

We use a simple traffic-light check:

๐ŸŸข Green โ€” Youโ€™re good to go
๐ŸŸ  Amber โ€” Some areas donโ€™t quite fit anymore
๐Ÿ”ด Red โ€” You definitely need a better policy

๐๐จ ๐ฉ๐ซ๐ž๐ฌ๐ฌ๐ฎ๐ซ๐ž, ๐ง๐จ ๐จ๐›๐ฅ๐ข๐ ๐š๐ญ๐ข๐จ๐ง โ€” ๐ฃ๐ฎ๐ฌ๐ญ ๐œ๐ฅ๐š๐ซ๐ข๐ญ๐ฒ.

#ษชษดแด„แดแดแด‡แด˜ส€แดแด›แด‡แด„แด›ษชแดษด

Message REVIEW and weโ€™ll take a look for you.

๐‚๐จ๐ฎ๐ฅ๐ ๐ฒ๐จ๐ฎ ๐ฅ๐ข๐ฏ๐ž ๐จ๐ง ยฃ๐Ÿ๐Ÿ๐Ÿ–.๐Ÿ•๐Ÿ“ ๐ฉ๐ž๐ซ ๐ฐ๐ž๐ž๐ค? That is the current Statutory Sick Pay Rate.For most households that wouldnโ€™t even c...
16/02/2026

๐‚๐จ๐ฎ๐ฅ๐ ๐ฒ๐จ๐ฎ ๐ฅ๐ข๐ฏ๐ž ๐จ๐ง ยฃ๐Ÿ๐Ÿ๐Ÿ–.๐Ÿ•๐Ÿ“ ๐ฉ๐ž๐ซ ๐ฐ๐ž๐ž๐ค? That is the current Statutory Sick Pay Rate.

For most households that wouldnโ€™t even cover the mortgage โ€” never mind food, electricity, travel and the rest of lifeโ€™s bills.

๐ˆ๐Ÿ ๐ข๐ฅ๐ฅ๐ง๐ž๐ฌ๐ฌ ๐ฌ๐ญ๐จ๐ฉ๐ฉ๐ž๐ ๐ฒ๐จ๐ฎ๐ซ ๐ข๐ง๐œ๐จ๐ฆ๐ž, ๐ญ๐ก๐ž ๐ž๐ฑ๐ฉ๐ž๐ง๐ฌ๐ž๐ฌ ๐ฐ๐จ๐ฎ๐ฅ๐๐งโ€™๐ญ ๐ฌ๐ญ๐จ๐ฉ ๐ฐ๐ข๐ญ๐ก ๐ข๐ญ.

At Optimal Insurance we help you protect the income that keeps everything running, so your financial commitments are still met when life doesnโ€™t go to plan.

If you want to see what your safety net really looks like, message CHECK for a free review. We can advise on your current policies and advise if anything needs changing or if you are best to stay on your current policy.

๐“๐ก๐ž ๐›๐ข๐ ๐ ๐ž๐ฌ๐ญ ๐ฆ๐ฒ๐ญ๐ก ๐ฌ๐ž๐ฅ๐Ÿ-๐ž๐ฆ๐ฉ๐ฅ๐จ๐ฒ๐ž๐ ๐ฉ๐ž๐จ๐ฉ๐ฅ๐ž ๐›๐ž๐ฅ๐ข๐ž๐ฏ๐ž:โ€œIโ€™ll figure it out if I get ill.โ€๐๐ฎ๐ญ ๐ข๐Ÿ ๐ฒ๐จ๐ฎ ๐๐จ๐งโ€™๐ญ ๐ฐ๐จ๐ซ๐ค โ†’ ๐ฒ๐จ๐ฎ ๐๐จ๐งโ€™๐ญ ๐ ๐ž๐ญ ๐ฉ๐š...
14/02/2026

๐“๐ก๐ž ๐›๐ข๐ ๐ ๐ž๐ฌ๐ญ ๐ฆ๐ฒ๐ญ๐ก ๐ฌ๐ž๐ฅ๐Ÿ-๐ž๐ฆ๐ฉ๐ฅ๐จ๐ฒ๐ž๐ ๐ฉ๐ž๐จ๐ฉ๐ฅ๐ž ๐›๐ž๐ฅ๐ข๐ž๐ฏ๐ž:

โ€œIโ€™ll figure it out if I get ill.โ€

๐๐ฎ๐ญ ๐ข๐Ÿ ๐ฒ๐จ๐ฎ ๐๐จ๐งโ€™๐ญ ๐ฐ๐จ๐ซ๐ค โ†’ ๐ฒ๐จ๐ฎ ๐๐จ๐งโ€™๐ญ ๐ ๐ž๐ญ ๐ฉ๐š๐ข๐.

No sick pay
No HR department
No backup income

I specialise in helping self-employed people see their real safety net.

If you run your own business, message SELF and Iโ€™ll calculate how long you could survive off savings alone and show you how insurance can ensure you are in a better position financially and mentally .
We can also review your current policy and advise if you are on the correct policy or if it needs to change.

#ษชษดแด„แดแดแด‡แด˜ส€แดแด›แด‡แด„แด›ษชแดษด

๐‡๐š๐ฉ๐ฉ๐ฒ ๐•๐š๐ฅ๐ž๐ง๐ญ๐ข๐ง๐ž๐ฌ ๐ƒ๐š๐ฒ!๐‚๐จ๐ฎ๐ฉ๐ฅ๐ž๐ฌ ๐š๐ฌ๐ฌ๐ฎ๐ฆ๐ž ๐ฅ๐จ๐ฏ๐ž ๐š๐ฎ๐ญ๐จ๐ฆ๐š๐ญ๐ข๐œ๐š๐ฅ๐ฅ๐ฒ ๐ž๐ช๐ฎ๐š๐ฅ๐ฌ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐ฌ๐ž๐œ๐ฎ๐ซ๐ข๐ญ๐ฒ.It doesnโ€™t.If one income stops, most ho...
14/02/2026

๐‡๐š๐ฉ๐ฉ๐ฒ ๐•๐š๐ฅ๐ž๐ง๐ญ๐ข๐ง๐ž๐ฌ ๐ƒ๐š๐ฒ!

๐‚๐จ๐ฎ๐ฉ๐ฅ๐ž๐ฌ ๐š๐ฌ๐ฌ๐ฎ๐ฆ๐ž ๐ฅ๐จ๐ฏ๐ž ๐š๐ฎ๐ญ๐จ๐ฆ๐š๐ญ๐ข๐œ๐š๐ฅ๐ฅ๐ฒ ๐ž๐ช๐ฎ๐š๐ฅ๐ฌ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐ฌ๐ž๐œ๐ฎ๐ซ๐ข๐ญ๐ฒ.

It doesnโ€™t.

If one income stops, most households canโ€™t run on one salary for more than 3 months.

Get a free insurance review today
I donโ€™t sell insurance in my reviews โ€” I map out:
โ˜‘ what bills continue
โ˜‘ what stops
โ˜‘ what the partner faces

Itโ€™s eye-opening.

If you live together or recently married, message PLAN and Iโ€™ll check your situation.

Address

Topcliffe Lane
Leeds
LS270HL

Opening Hours

Monday 8:30am - 10pm
Tuesday 8:30am - 10pm
Wednesday 8:30am - 10pm
Thursday 8:30am - 10pm
Friday 8:30am - 10pm
Saturday 9:30am - 5pm
Sunday 10am - 5pm

Telephone

+447950187868

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