Patrick Lowe - Optima Health and Life

💰 Monthly wages in. Mortgage out. Bills out. Groceries out.
Maybe a bit left to save — if you’re lucky.

But what if it all stopped suddenly due to illness or injury?
How long would your savings really last?

Your bills don’t stop, but your wages can.
Protect them 🔐

🍁 October’s arrived. When was the last time you checked your cover?

Life moves fast — families grow, homes change, and priorities shift. The plan that once fit might not anymore.

Start October knowing you’ve got this ticked off — and most importantly, your family’s future protected.

💡 What pays for your car, your home, your lifestyle every month?
👉 Your income.

Most people insure their car, home and even their pet… but not the one thing that funds it all.

Statutory Sick Pay is just £116.75 a week — could you live on that?

Income Protection makes sure your bills are covered if illness or injury stops you working.

https://www.patrickoptimahealthandlife.co.uk

👨‍👩‍👧 We advised the right cover for this client and his wife.
It protects them financially against death, critical illness, and income loss due to illness or injury.
We also included children’s cover — sadly, one of the most common critical illness claims.

Now their family has true peace of mind for the future.

🔒 Peace of mind starts with a conversation.

💬 “I get sick pay from work…”
Sure — but what happens after that runs out?

If you’re lucky, your employer might cover you for a short period.
If you’re self-employed, you’re straight onto Statutory Sick Pay — just £116.75 a week.

Could you keep up with your mortgage, bills, and lifestyle on that?

👉 That’s why protecting your income is crucial.

📩 Drop us a message — we’ll keep it simple.

💡 Old vs New Critical Illness Cover
The truth is, many older policies are far more limited. Some don’t even cover less advanced cancers or a wide range of serious conditions.

Modern policies go further — offering broader protection that’s built for today, not 20 years ago.

If you haven’t reviewed your cover in a while, it might not give you the support you expect.

📩 Drop us a message — we’ll keep it simple and check it for you.

📝 Did you know?
If your life cover isn’t written into trust, your family could face delays and even extra costs before receiving the money.

✅ Putting your policy in trust can mean faster access to funds
✅ Ensures the money goes exactly where you want it
✅ Avoids unnecessary complications at an already difficult time

📩 Drop us a message today – we’ll keep it simple and explain your options.

Your family relies on you today.
Make sure they’re protected for tomorrow. 💛

📩 Drop us a message to get started.

Thought about private healthcare but never looked into it?

⏳ With NHS waiting lists at record highs, private medical insurance could mean ✅ faster diagnosis, ✅ quicker treatment & peace of mind when you need it most.

📩 Message for more information today.

If you rely on your income to pay for your bills, lifestyle, and peace of mind — income protection is for you.
Because when your income stops, your bills won’t.

https://www.patrickoptimahealthandlife.co.uk

Recent review from a long-standing client.
Scott went through every parent’s worst nightmare. 💔

His 10-year-old son spent 3 months in ICU.
Instead of running his business, Scott was sleeping at his son’s bedside… watching bills pile up.

Because he had the right cover, I got him the payout he needed — fast.
That meant he could focus on what truly mattered: his son’s recovery, not his bank balance.

💙 Today, his boy is on the mend.

This is why protection matters:
✅ Covers you when life takes an unexpected turn
✅ Pays out when you need it most
✅ Backed by someone who’ll go the extra mile for you