Optimal Insurance

𝐀 𝐩𝐚𝐲 𝐫𝐢𝐬𝐞 𝐜𝐚𝐧 𝐪𝐮𝐢𝐞𝐭𝐥𝐲 𝐢𝐧𝐜𝐫𝐞𝐚𝐬𝐞 𝐲𝐨𝐮𝐫 𝐫𝐢𝐬𝐤.

☑Bigger lifestyle
☑Bigger commitments
☑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 (it’s rarely what they think).

If you’ve changed jobs recently, message WORK and I’ll let you know if your protection still works for you or not.

𝐃𝐨 𝐲𝐨𝐮 𝐫𝐞𝐧𝐭 𝐚 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲?
Renters often think protection is only for homeowners.

𝐁𝐮𝐭 𝐫𝐞𝐧𝐭 𝐝𝐨𝐞𝐬𝐧’𝐭 𝐩𝐚𝐮𝐬𝐞 𝐢𝐟 𝐲𝐨𝐮’𝐫𝐞 𝐢𝐥𝐥.

And landlords don’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 I’ll show you your real backup plan

𝐓𝐡𝐞 𝐟𝐢𝐭𝐭𝐞𝐬𝐭 𝐜𝐥𝐢𝐞𝐧𝐭𝐬 𝐚𝐫𝐞 𝐮𝐬𝐮𝐚𝐥𝐥𝐲 𝐭𝐡𝐞 𝐥𝐞𝐚𝐬𝐭 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐞𝐝.

Most claims I see are:
Cancer
Heart issues
Strokes

𝐍𝐨𝐭 𝐚𝐜𝐜𝐢𝐝𝐞𝐧𝐭𝐬.

Health lowers cost — it doesn’t remove risk.

𝐈𝐟 𝐲𝐨𝐮’𝐫𝐞 𝐡𝐞𝐚𝐥𝐭𝐡𝐲, 𝐧𝐨𝐰 𝐢𝐬 𝐭𝐡𝐞 𝐜𝐡𝐞𝐚𝐩𝐞𝐬𝐭 𝐭𝐢𝐦𝐞 𝐭𝐨 𝐜𝐡𝐞𝐜𝐤.
Message FIT and I’ll show you what cover would cost today vs later.

At Optimal Insurance 𝐰𝐞’𝐥𝐥 𝐫𝐞𝐯𝐢𝐞𝐰 𝐲𝐨𝐮𝐫 𝐞𝐱𝐢𝐬𝐭𝐢𝐧𝐠 𝐩𝐨𝐥𝐢𝐜𝐢𝐞𝐬 𝐚𝐧𝐝 𝐞𝐱𝐩𝐥𝐚𝐢𝐧 𝐢𝐧 𝐩𝐥𝐚𝐢𝐧 𝐄𝐧𝐠𝐥𝐢𝐬𝐡 𝐰𝐡𝐞𝐭𝐡𝐞𝐫 𝐭𝐡𝐞𝐲 𝐬𝐭𝐢𝐥𝐥 𝐝𝐨 𝐭𝐡𝐞 𝐣𝐨𝐛 𝐭𝐡𝐞𝐲’𝐫𝐞 𝐦𝐞𝐚𝐧𝐭 𝐭𝐨 𝐝𝐨 — 𝐚𝐧𝐝 𝐢𝐟 𝐭𝐡𝐞𝐫𝐞’𝐬 𝐚 𝐛𝐞𝐭𝐭𝐞𝐫 𝐨𝐩𝐭𝐢𝐨𝐧, 𝐰𝐞’𝐥𝐥 𝐬𝐡𝐨𝐰 𝐲𝐨𝐮 𝐞𝐱𝐚𝐜𝐭𝐥𝐲 𝐰𝐡𝐲.

We use a simple traffic-light check:

🟢 Green — You’re good to go
🟠 Amber — Some areas don’t quite fit anymore
🔴 Red — You definitely need a better policy

No pressure, no obligation — just clarity.

Message REVIEW and we’ll take a look for you.

𝐇𝐚𝐯𝐢𝐧𝐠 𝐚 𝐛𝐚𝐛𝐲 𝐜𝐡𝐚𝐧𝐠𝐞𝐬 𝐰𝐡𝐚𝐭 “𝐫𝐢𝐬𝐤” 𝐦𝐞𝐚𝐧𝐬.

Before kids → illness affects you
After kids → illness affects their home, and their lives.

𝐌𝐨𝐬𝐭 𝐩𝐚𝐫𝐞𝐧𝐭𝐬 𝐢𝐧𝐬𝐮𝐫𝐞 𝐩𝐫𝐚𝐦𝐬, 𝐩𝐡𝐨𝐧𝐞𝐬 𝐚𝐧𝐝 𝐜𝐚𝐫𝐬 𝐛𝐞𝐟𝐨𝐫𝐞 𝐭𝐡𝐞𝐲 𝐢𝐧𝐬𝐮𝐫𝐞 𝐭𝐡𝐞 𝐢𝐧𝐜𝐨𝐦𝐞 𝐟𝐞𝐞𝐝𝐢𝐧𝐠 𝐭𝐡𝐞 𝐟𝐚𝐦𝐢𝐥𝐲.

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

𝐍𝐨 𝐩𝐫𝐞𝐬𝐬𝐮𝐫𝐞 — 𝐣𝐮𝐬𝐭 𝐜𝐥𝐚𝐫𝐢𝐭𝐲.

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

𝐐𝐮𝐢𝐜𝐤 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧:

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

Most people guess 6–12 months.

𝐀𝐯𝐞𝐫𝐚𝐠𝐞 𝐚𝐧𝐬𝐰𝐞𝐫 𝐚𝐟𝐭𝐞𝐫 𝐰𝐞 𝐜𝐚𝐥𝐜𝐮𝐥𝐚𝐭𝐞 𝐢𝐭: 𝟔–𝟖 𝐰𝐞𝐞𝐤𝐬.

I run free 15-minute “what if” checks — no products discussed unless you ask.

Comment or message WHAT IF and I’ll send you the booking link.

𝐓𝐨𝐝𝐚𝐲 𝐰𝐚𝐬𝐧’𝐭 𝐚 𝐬𝐚𝐥𝐞𝐬 𝐦𝐞𝐞𝐭𝐢𝐧𝐠. 𝐈𝐭 𝐰𝐚𝐬 𝐚 𝐫𝐞𝐥𝐢𝐞𝐟 𝐦𝐞𝐞𝐭𝐢𝐧𝐠.

A client thought they’d lose their house if illness hit — turns out they had some cover but a huge gap.

𝐖𝐞 𝐟𝐢𝐱𝐞𝐝 𝐢𝐭 𝐟𝐨𝐫 𝐥𝐞𝐬𝐬 𝐭𝐡𝐚𝐧 𝐭𝐡𝐞𝐢𝐫 𝐦𝐨𝐧𝐭𝐡𝐥𝐲 𝐭𝐚𝐤𝐞𝐚𝐰𝐚𝐲𝐬.

People don’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.

#ɪɴᴄᴏᴍᴇᴘʀᴏᴛᴇᴄᴛɪᴏɴ

At Optimal Insurance 𝐰𝐞’𝐥𝐥 𝐫𝐞𝐯𝐢𝐞𝐰 𝐲𝐨𝐮𝐫 𝐞𝐱𝐢𝐬𝐭𝐢𝐧𝐠 𝐩𝐨𝐥𝐢𝐜𝐢𝐞𝐬 𝐚𝐧𝐝 𝐞𝐱𝐩𝐥𝐚𝐢𝐧 𝐢𝐧 𝐩𝐥𝐚𝐢𝐧 𝐄𝐧𝐠𝐥𝐢𝐬𝐡 𝐰𝐡𝐞𝐭𝐡𝐞𝐫 𝐭𝐡𝐞𝐲 𝐬𝐭𝐢𝐥𝐥 𝐝𝐨 𝐭𝐡𝐞 𝐣𝐨𝐛 𝐭𝐡𝐞𝐲’𝐫𝐞 𝐦𝐞𝐚𝐧𝐭 𝐭𝐨 𝐝𝐨 — 𝐚𝐧𝐝 𝐢𝐟 𝐭𝐡𝐞𝐫𝐞’𝐬 𝐚 𝐛𝐞𝐭𝐭𝐞𝐫 𝐨𝐩𝐭𝐢𝐨𝐧, 𝐰𝐞’𝐥𝐥 𝐬𝐡𝐨𝐰 𝐲𝐨𝐮 𝐞𝐱𝐚𝐜𝐭𝐥𝐲 𝐰𝐡𝐲.

We use a simple traffic-light check:

🟢 Green — You’re good to go
🟠 Amber — Some areas don’t quite fit anymore
🔴 Red — You definitely need a better policy

𝐍𝐨 𝐩𝐫𝐞𝐬𝐬𝐮𝐫𝐞, 𝐧𝐨 𝐨𝐛𝐥𝐢𝐠𝐚𝐭𝐢𝐨𝐧 — 𝐣𝐮𝐬𝐭 𝐜𝐥𝐚𝐫𝐢𝐭𝐲.

#ɪɴᴄᴏᴍᴇᴘʀᴏᴛᴇᴄᴛɪᴏɴ

Message REVIEW and we’ll take a look for you.

𝐂𝐨𝐮𝐥𝐝 𝐲𝐨𝐮 𝐥𝐢𝐯𝐞 𝐨𝐧 £𝟏𝟏𝟖.𝟕𝟓 𝐩𝐞𝐫 𝐰𝐞𝐞𝐤? That is the current Statutory Sick Pay Rate.

For most households that wouldn’t even cover the mortgage — never mind food, electricity, travel and the rest of life’s bills.

𝐈𝐟 𝐢𝐥𝐥𝐧𝐞𝐬𝐬 𝐬𝐭𝐨𝐩𝐩𝐞𝐝 𝐲𝐨𝐮𝐫 𝐢𝐧𝐜𝐨𝐦𝐞, 𝐭𝐡𝐞 𝐞𝐱𝐩𝐞𝐧𝐬𝐞𝐬 𝐰𝐨𝐮𝐥𝐝𝐧’𝐭 𝐬𝐭𝐨𝐩 𝐰𝐢𝐭𝐡 𝐢𝐭.

At Optimal Insurance we help you protect the income that keeps everything running, so your financial commitments are still met when life doesn’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.

𝐓𝐡𝐞 𝐛𝐢𝐠𝐠𝐞𝐬𝐭 𝐦𝐲𝐭𝐡 𝐬𝐞𝐥𝐟-𝐞𝐦𝐩𝐥𝐨𝐲𝐞𝐝 𝐩𝐞𝐨𝐩𝐥𝐞 𝐛𝐞𝐥𝐢𝐞𝐯𝐞:

“I’ll figure it out if I get ill.”

𝐁𝐮𝐭 𝐢𝐟 𝐲𝐨𝐮 𝐝𝐨𝐧’𝐭 𝐰𝐨𝐫𝐤 → 𝐲𝐨𝐮 𝐝𝐨𝐧’𝐭 𝐠𝐞𝐭 𝐩𝐚𝐢𝐝.

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 I’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.

#ɪɴᴄᴏᴍᴇᴘʀᴏᴛᴇᴄᴛɪᴏɴ

𝐇𝐚𝐩𝐩𝐲 𝐕𝐚𝐥𝐞𝐧𝐭𝐢𝐧𝐞𝐬 𝐃𝐚𝐲!

𝐂𝐨𝐮𝐩𝐥𝐞𝐬 𝐚𝐬𝐬𝐮𝐦𝐞 𝐥𝐨𝐯𝐞 𝐚𝐮𝐭𝐨𝐦𝐚𝐭𝐢𝐜𝐚𝐥𝐥𝐲 𝐞𝐪𝐮𝐚𝐥𝐬 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐬𝐞𝐜𝐮𝐫𝐢𝐭𝐲.

It doesn’t.

If one income stops, most households can’t run on one salary for more than 3 months.

Get a free insurance review today
I don’t sell insurance in my reviews — I map out:
☑ what bills continue
☑ what stops
☑ what the partner faces

It’s eye-opening.

If you live together or recently married, message PLAN and I’ll check your situation.