Life Insurance
"No one is truly dead until the ripples they cause in the world die away."
-Terry Pratchett -
Optimum's Professional Financial Advisers can provide expert guidance and advice on a wide range of financial matters such as assessing financial goals, developing a financial plan, providing investment advice, managing risk and monitoring progress. Our team is an invaluable resource for an individual looking to achieve financial stability and security.
Disability Insurance
Disability cover is designed to provide a regular income stream to policyholders if they become disabled and unable to earn an income, allowing them to meet their financial obligations and maintain their standard of living.
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There are two main types of disability cover: short-term disability cover and long-term disability cover. Short-term disability cover typically pays out benefits for a period of several weeks or months, while long-term disability cover can provide benefits for several years or even until retirement age.
Dread Disease Insurance
Dread disease insurance is designed to help cover the financial costs associated with a serious illness, such as medical expenses, lost income, and other expenses.
This benefit typically covers a specific set of illnesses or medical conditions, such as cancer, heart attack, stroke, kidney failure, and other serious diseases.
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The amount of the payment can vary depending on the policy terms and the severity of the illness. The policyholder can use the payment to cover medical expenses, lost income, or other expenses associated with the illness.
Estate Planning
Estate planning is the process of arranging and managing one's assets and affairs during their lifetime and after their death, in a way that maximises the value of their estate, minimises taxes and expenses, and ensures that their wishes are carried out. Estate planning also includes preparing a will, establishing trusts, naming beneficiaries, and selecting fiduciaries to manage the estate.
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Estate liquidity is the most important part of estate planning, to ensure the availability of cash or other liquid assets to pay for any expenses or obligations that arise after the death of the estate owner. Estate liquidity can be created through the purchasing of life insurance policies, establishing of trusts, or by setting aside funds in a separate account or investment vehicle. It is important to work with an experienced estate planning financial adviser to determine the most appropriate strategy for your specific situation.
Financial Needs Analysis
Financial needs analysis is a process of evaluating an individual's or organisation's financial status and identifying their financial needs to achieve their goals. This analysis can be conducted by one of our financial advisers, and it involves a comprehensive review of a person's or organisation's current financial situation, including assets, liabilities, income, and expenses.
It is important to determine the most suitable financial strategies and products to meet an individual's or organisation's specific financial objectives.
Life Insurance
The purpose of life insurance is to provide financial security and peace of mind for the policyholder's dependents or other beneficiaries in the event of the policyholder's death.
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The amount of the life insurance benefit and the premium payments required for the policy can vary depending on factors such as the policyholder's age, health, lifestyle, and most importantly their family's financial needs.
Loss of License Insurance
Provides financial protection to professionals, such as pilots, doctors, and lawyers, in the event that they lose their professional license due to an illness or injury. This insurance policy is specifically designed to cover the loss of income that professionals may experience if they are unable to work in their licensed profession.