Optima Health and Life

04/09/2026

Executive Income Protection is designed for small and medium businesses to cover the cost of providing sick pay benefits to a directors or key employees.

The policy is arranged and paid for by the employer (the policy owner) on the life of the employee (person insured). If the employee (person insured) becomes ill or injured and unable to work, the monthly benefit under a claim is paid to the employer (policy owner) who passes onto the employee via PAYE to fund ongoing sick pay.

The employer can also cover other costs (for example their employer’s National Insurance and pension scheme contributions).

01/09/2026

🥛 Some things shouldn’t have a sell by date.

Milk does.

Your life insurance might too.

Term life cover can end at a set age. And with people living longer, there’s a chance you could outlive your policy.

Imagine paying into it for decades…

Only for the cover to expire when you’re older and potentially need it most.

That could leave a pretty sour taste. 🥛

Whole of Life cover is different.

As long as you keep the policy in force, the cover is designed to last for your lifetime.

No expiry date.

No “best before” sticker.

Just cover that lasts as long as you do.

If you’re relying on life insurance to help protect your family or estate, it’s worth checking whether your cover will actually still be there when you need it.

Don’t let your life cover go off before you do.

Want to know which option could be right for you? Drop me a message.

31/08/2026

Don’t make HMRC your favourite beneficiary.

They already get enough from you.

Inheritance tax can take a chunk of the wealth you’ve spent a lifetime building.

But here’s the good news:

Inheritance tax is optional.

Well… paying it isn’t.

But with the right planning, you can potentially reduce what HMRC gets and keep more within the family.

The key?

Start early.

Because the best time to plan your estate isn’t when the tax bill arrives.

It’s long before it does.

Want to know what your estate could look like under the new inheritance tax rules?

Let’s have a chat.

29/08/2026

Inheritance tax is rarely a problem when you die.

It’s a problem when you leave it too late.

The biggest mistake?

Waiting until you know exactly what your estate is worth before you start planning.

By then, your options may be limited.

Planning early gives you time to:

• Review your estate and potential inheritance tax liability
• Understand how the April 2026 changes affect you
• Look at business and agricultural reliefs
• Review pensions and other assets
• Consider gifting opportunities
• Put trusts in place where appropriate
• Calculate any remaining liability
• Put funding in place so your family isn’t forced to sell assets to pay the bill

Inheritance tax planning isn’t about trying to avoid paying tax.

It’s about making sure your family has options.

The earlier you start, the more options you have.

Don’t wait until your estate becomes a problem to start planning it.

Contact us for a free, no obligation review.

27/08/2026

What does £108.11 a month actually buy a limited company director?

For less than the cost of a daily takeaway coffee, it buys total financial security for your business and household.

Here is how the math breaks down for a director earning £64,899.90 gross per year:

£4,326.66 / month in protected income if illness or injury keeps you from working (covering 80% of your total gross earnings).

£108.11 / month premium, funded directly through your limited company account.

Why Executive Income Protection beats standard personal cover:

Premiums usually qualify as an allowable business expense to lower your Corporation Tax bill.

No P11D Benefit-in-Kind: You won't face a personal tax hit just for taking out the policy.

Protects Salary + Dividends: Personal policies often restrict cover to basic PAYE income. Executive cover protects your dividends and total remuneration package, pensions contributions can also be bolted on to protect your retirement.

If you are forced off work, your monthly bills don't stop. Let your business pick up the tab for your safety net.

📩 Drop a DM or comment 'PROTECT' to see how much cover your limited company can fund.

26/08/2026

Your business partner dies tomorrow.

What happens to their shares?

Their family may inherit them.

You could end up in business with their spouse, children, or whoever inherits the shares.

Or worse…

You may not have the cash to buy them out.

Shareholder Protection is designed to prevent exactly that.

A clear agreement.

A pre agreed valuation.

And life insurance to provide the funding.

If you’re a director with shareholders, ask yourself:

“Could I afford to buy my business partner’s shares if they died tomorrow?”

If the answer is no, it’s worth having the conversation.

25/08/2026

A good mortgage protection policy ensures your mortgage can still be paid if the unexpected happens. It provides a tax free payout if you die, can clear the outstanding mortgage, and can be enhanced with Critical Illness Cover and Income Protection so you're protected if you're diagnosed with a serious illness or unable to work due to illness or injury. Message us to find out more.

19/08/2026

Cancer doesn’t just affect your health.

It can affect your income.

Your mortgage.

Your family.

Your business.

And the financial plans you’ve spent years building.

Most people have life insurance.

But life insurance only pays if you die.

Cancer cover is different.

A comprehensive critical illness policy can pay you a tax free lump sum while you’re still alive if you’re diagnosed with a qualifying cancer.

That money could help you:

• Replace lost income
• Pay the mortgage
• Fund treatment or rehabilitation
• Give you time away from work
• Protect your family’s finances
• Keep your business running while you recover

And with cancer affecting so many families, it’s worth asking:

If you were diagnosed tomorrow, how long could your finances keep going?

Don’t just protect your life.

Protect your lifestyle if your life changes.

If you’re a company director, we can also look at how your existing protection could be structured more tax efficiently.

Message us if you want to see what options are available.

18/08/2026

Directors: have you looked at Relevant Life Insurance?

If you’re a director or business owner, you can put life cover in place through your company, making it a tax-efficient way to provide valuable protection.

It can be particularly interesting for:
• Directors who want more cover than a standard employee benefit provides
• Small businesses without access to a group death-in-service scheme
• Business owners looking for a company-funded protection solution

It’s one of those financial planning opportunities that’s easy to overlook, until you need it.

Worth putting RLP on the agenda.

29/07/2026