Here at Optimum Financial we don’t see you as another number, we see you as an important individual, as you are.
We aim to build long term relationships with our clients, so we regard professionalism and integrity as fundamentals in order for us to achieve this.
What happens if you do not make a will?
Everything you leave when you die, less anything you owe, is called your 'estate'. A will sets out what is to happen to your estate. It is a legal document which, although it can be changed after your death, will normally be followed as written.
- Delays would be incurred in trying to find out whether or not you did in fact leave a will, and in tracing your possessions.
- Delays would occur in the necessary formalities required before your estate can be distributed.
- Your next of kin will usually be appointed to sort out your estate, and he or she might not be the best person to do the job.
- The law dictates who will inherit your estate and in what proportions.
- The law may require legally binding trusts to be set up. These may be unnecessarily restrictive and expensive, especially where only small sums are involved.
- There may be inheritance tax on the estate which could have been avoided.
Another very important reason for making a will is so that you can decide who you want to look after your children if you have a young family.
If you do not make a will, your possessions will not necessarily be passed on in the way you would choose. This is a particular risk if you live with an unmarried partner.
(Inheritance Provision for Family and Dependants) Act 1975.
Ready to find out more? Book an appointment today!
Optimum Financial offer a vast selection of finance & insurance products we are sure to have the cover that's right for you and your family...
Please find a link to all of the insurance products and financial protection that we can provide:
First-time buyers with 5% deposits now in negative equity due to plummeting house prices https://www.thesun.co.uk/money/9746400/first-time-buyers-negative-equity-house-prices-deposit/ — Read on www.thesun.co.uk/money/9746400/first-time-buyers-negative-equity-house-prices-deposit/
After a successful recruitment drive with new recruits currently on our in-house training course, we now only have 2 spaces remaining for competent financial / Insurance advisers in England & Wales… to be considered for these last available insurance or financial advisory roles, please contact us directly. We are looking for an Insurance Advisor in Swansea so if that’s you, please get in touch as we would love to hear from you…
Interesting Article about Insurance as an Employee Benefit: The majority do not offer personal insurance benefits
Most organisations do not provide personal insurance benefits, and few plan to begin, according to research by Employee Benefits. — Read on www.employeebenefits.co.uk/exclusive-majority-personal-insurance/ If you are interested in discussing various insurance policies as employee benefits please get in touch via our contact page.
Interesting Express Article on Life Insurance UK: Why a new job could mean you need to pay MORE for your cover | Personal Finance | Finance | Express.co.uk
LIFE insurance policies may be taken out for a whole host of reasons. It may be that some people are required to pay more for their cover, and this could come down to their profession. — Read on www.express.co.uk/finance/personalfinance/1162716/life-insurance-uk-claim-policy-news-latest
Interesting Article on Disability Insurance – What is short-term disability insurance? Cost and details, explained – Business Insider
Many employers offer short-term disability insurance at little or no cost to employees, but the benefits don’t last long and may be taxed as income. — Read on www.businessinsider.com/what-is-short-term-disability-insurance-explained
After a successful recruitment drive with new recruits currently on our in-house training course, we now only have 2 spaces remaining for competent financial / Insurance advisers in England & Wales… to be considered for these last available insurance or financial advisory roles, please contact us directly. We are looking for an Insurance Advisor in Cardiff so if that’s you, please get in touch as we would love to hear from you…
If you are looking for expert Insurance advice and Insurance Cover in South Wales then you have come to the right place. Here at Optimum Financial we have a team of expert Insurance Advisers and Financial Advisers that can provide you sound advice on Life Insurance, Sports Injury Insurance, Accident Insurance, Critical Illness Insurance, Mortgage Protection Insurance, Income Protection Insurance, Business Protection Insurance, Sickness Insurance, Whole of Life Insurance, Self Employment Insurance and Over 50’s Insurance. Our Insurance Advisers cover from Carmarthen to Chepstow in Wales and everything in between as well as the South West of England including Bristol, Swindon, Gloucester, Avon, Wiltshire, Gloucestershire and Somerset etc. Please feel free to book an appointment with a specialist insurance advisor today!
Know anyone looking for Life Cover or other Insurance? Check out the Referral scheme from Optimum Financial – Financial Advisers in Wales
Referrals | Optimum Financial – Financial Advisers in Wales — Read on optimumfinancialuk.com/referrals/
“I first met Jason at Mosley RFC he then came to my house and gave me a bespoke insurance package well within my affordability to cover my mortgage with a life and critical illness policy, a sports and injury cover should I become injured at work, playing rugby or even day to day life. Jason also covered my wages to ensure my bills are covered from the first day of sickness, should I become sick or injured… highly recommend optimum financial…” Will Evans, self employed rugby player If you are interested in discussing your insurance requirements please feel free to contact us.
We've got a lot of great information to share...
Sign up for our newsletter and receive information about the various products and covers that we provide.