No Benefit in Kind Tax
No Employer or Employee National Insurance Cost
Typically Save Between 40% and 66%*
Up to 25% Corporation Tax Relief
Protect the ones you love the most with life insurance paid for by your business.
© Optima Health & Life
Protect the ones you love the most with unique life insurance paid for by your business.
Bathroom
Installations
When choosing Amanzi, you’re getting the full package from idea to reality.
Commercial &
Landlords
We offer tailored service and maintenace packages for residential and commercial landlords.
General
Maintenance
We can help with a wide range of water-related problems, from a dripping tap to burst pipes.
Plumbing Services
All aspects of plumbing and drainage from general pipe work and testing to installing and unblocking drains.
Why Choose Us?
Bathroom
Installations
When choosing Amanzi, you’re getting the full package from idea to reality.
Commercial &
Landlords
We offer tailored service and maintenace packages for residential and commercial landlords.
General
Maintenance
We can help with a wide range of water-related problems, from a dripping tap to burst pipes.
Plumbing Services
All aspects of plumbing and drainage from general pipe work and testing to installing and unblocking drains.
Why Solar?
There are two main reasons that motivate us to invest in solar energy.
To reduce our carbon footprint.
To reduce our energy bills.
Bathroom
Installations
When choosing Amanzi, you’re getting the full package from idea to reality.
Commercial &
Landlords
We offer tailored service and maintenace packages for residential and commercial landlords.
General
Maintenance
We can help with a wide range of water-related problems, from a dripping tap to burst pipes.
Plumbing Services
All aspects of plumbing and drainage from general pipe work and testing to installing and unblocking drains.
Designing Your System
We design your system to meet your usage and daily lifestyle and optimise it for either reducing your energy bills or reducing your carbon footprint.
Kimbletech Ltd. has no discounts or deals, but we do deliver a lot of added value, including Bird Blocker included as standard on all jobs and In-person sales and technical surveys to fully understand the scope of work and customers' needs (not an over-the-desk survey and quotation like many do).
Expert Craftsmanship
5-Year Guarantee
Wide Service Area
Affordable Excellence
Accreditations
HOW IT WORKS
Fill in the form
Fill in the form with your details and one of our advisors will be in touch as soon as possible.
We’ll schedule an appointment at a convenient time to discuss your needs and options available.
Book Your Appointment
Start Saving
Switch to Relavant Life Insurance and start saving by claiming on your business expenses!
Unique Advantages for Your Real Estate Success
Our Accreditations
NIGEL DUCK
2021-12-08
Explained the entire treatment & talked me through step by step.
Made me at ease & complete reassurance throughout.
Testimonials
A friendly organisation , with plenty of courses to choose from. The staff are always helpful and available to answer any queries , concerns you might have . Highly recommend!
Justin Dachtler
Through high-quality training and personal development
Head Teacher of St Teresa’s Primary School, Morden
KEITH STOTT
2021-12-11
KAMILA FINCH
2021-12-07
Lovely staff, very friendly and highly professional.
PUT LIFE COVER ON YOUR BUSINESS EXPENSES TODAY!
At Prime Influence, we are committed to propelling your real estate business to new heights. Here are the compelling benefits that set us apart as your ultimate digital marketing partner:
Dedicated 24/7 Support
We're by your side around the clock, ready to assist you whenever you need us. Our unwavering support ensures your real estate marketing is always on track.
Transparent Collaboration
We value open communication and collaboration. You're not just a client; you're a partner on this journey, and we keep you in the loop every step of the way.
Results That Speak Louder
We're not just experts; we're results-driven experts. Our focus is on delivering outcomes that matter to your real estate business, ensuring tangible growth and success.
ABOUT US
Warranty on Services
Quality Installations
Unmatched Performance
24/7 Emergency Support
Transparent Pricing
Bathroom
Installations
When choosing Amanzi, you’re getting the full package from idea to reality.
Commercial &
Landlords
We offer tailored service and maintenace packages for residential and commercial landlords.
General
Maintenance
We can help with a wide range of water-related problems, from a dripping tap to burst pipes.
Plumbing Services
All aspects of plumbing and drainage from general pipe work and testing to installing and unblocking drains.
Bathroom
Installations
When choosing Amanzi, you’re getting the full package from idea to reality.
Commercial &
Landlords
We offer tailored service and maintenace packages for residential and commercial landlords.
General
Maintenance
We can help with a wide range of water-related problems, from a dripping tap to burst pipes.
Plumbing Services
All aspects of plumbing and drainage from general pipe work and testing to installing and unblocking drains.
Why Choose Us?
Very polite, efficient and excellent at his job, He was able fix a wardrobe I attempted to put up myself with no issue and built an additional wardrobe for me. Highly recommended service and I will be building any flatpack goods any time soon.
-Jerome Seales
Testimonials
Risk Warnings
Think carefully before securing other debts against your home.
For our mortgage advice services, we charge a fee between £395 and £995. The amount is determined by the type of mortgage you require and will be agreed with you prior to advice being given. Any fees become payable upon receipt of a mortgage offer.
Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage
Special Offers
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and get 1 month FREE
Sign Up for 1 year
and get 2 months FREE
"I bought a large wardrobe from Ikea and wanted it assembled properly. The chap from Dr Flatpack was great. He built it quickly and did a proper job. When I saw him working I knew there was no chance I could have done it as well as him. Thank you "
- Katie J
“Great customer service. I used Dr Flatpack to assemble my chest of drawers, cupboards and one bed. I called him back a month later to mount a tv on my wall. He was clean, efficient, does what he says and finished within a reasonable time. I will definitely use Dr Flatpack again!”
- Simrit M
Our Services
Our Massage Training Courses
First Time Buyers
Embark on your homeownership journey confidently with Wolsey Mortgage Company. Our advisers guide you through the daunting process, offering professional advice and access to an extensive range of mortgages tailored to your circumstances.
Tailored Mortgage Solutions
Expert Guidance for New Buyers
Access to Exclusive Mortgage Products
Seamless Home Purchase Management
Family-owned business serving Southampton and surrounding areas.
Extensive range of colors and styles for a unique, personalised touch.
Custom-built environmentally-friendly resins for longevity.
Over 20 years of experience ensuring award-winning installations.
Customised mortgage options to match your unique circumstances and financial goals.
Navigate the complex process with expert advice from our seasoned advisers.
Explore a diverse range of mortgage products not available on the high street.
Effortlessly manage your home purchase process with our end-to-end support.
Remortgage
As your existing mortgage approaches its end, our experienced Mortgage Advisers review your current deal and explore the best options for your circumstances. Whether fixing rates or funding home improvements, we provide tailored solutions to suit your needs.
Family-run, award-winning since 1997.
Diverse range of block paving products to suit every budget and style
Free no-obligation quotes and a 10-year guarantee.
Expert advice from a team with decades of experience.
Review and Renewal Solutions
Strategic review and renewal options for your expiring mortgage product.
Flexible Rate Fixing
Options to fix rates for stability or fund home improvements with flexibility.
Bespoke Solutions for Changing Needs
Tailored remortgage solutions to align with your evolving financial requirements.
Efficient Mortgage Transition
Smooth transition from your existing mortgage to a more suitable and beneficial arrangement.
If you're a Director who's paying for your life insurance from your personal income, you could benefit by switching to a Relevant Life Insurance Plan covered by your limited company.
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We're an experienced, dynamic and growing group of advisors from all sectors of the financial services arena, all across the UK. Our team come from a background working and advising on pensions and investments, residential, buy to let and corporate mortgages, protection specialists, private medical insurance, banking and business advice. We specialise and focus on advising and arranging valuable protection and tax efficient benefits for businesses and corporate clients, their families and employees throughout the whole of the UK.
Simple Pricing
We're upfront about costs, offering transparent pricing with no hidden fees, ensuring clarity and simplicity.
Proactive Support
With quick response times and high issue resolution rates, we prioritize proactive service to keep your business running smoothly.
Building Lasting Partnerships
We value relationships, working closely with you to create tailored technology plans and providing regular support to keep your business ahead.
PAUL BOYCE
2021-12-22
I was referred to Phil by my regular local dentist, as he assured me that he was the best around for implants, he was absolutely right and I am so glad I took his advice.
If anyone is thinking of having dental implants, and are a bit nervous of the process, don’t be, it really is easy with the right team doing it.
Thank you so much Dorset dental clinic.
Friendly and Accessible
Our approachable team provides reliable support, guiding you through IT complexities to future-proof your business.
Save up to 66% on Life Insurance with a Relevant Life Policy
UI/UX Design
Craft seamless digital experiences with our expert UI/UX design, ensuring your brand stands out in the dynamic digital landscape. Our team of skilled designers goes beyond aesthetics, focusing on user-centric design principles to create interfaces that not only look stunning but also enhance user engagement and satisfaction. Whether it's a website, mobile app, or software, we tailor our designs to elevate your brand, providing an intuitive and delightful journey for your audience. Collaborate with us, and let your digital presence become a powerful and memorable extension of your brand identity.
View Our Projects
Website
Transform your online presence with our website design services, marrying aesthetics with functionality for a captivating user journey.
Design System
Ensure design consistency and efficiency with our tailored design systems, providing a unified visual language for your brand.
Icons
Add a touch of uniqueness to your design language with custom icons, enhancing visual communication and brand recognition.
Graphics
Elevate your content with striking graphics that capture attention and convey your message with artistic precision.
App Design
Craft engaging and intuitive mobile app experiences, merging functionality with aesthetics for a seamless user interaction.
Business Cards
Leave a lasting impression with professionally designed business cards, showcasing your brand with elegance and flair.
Logo
Define your brand identity with a memorable logo that encapsulates your essence, making a lasting impression.
Brand Identity
Build a cohesive brand identity with our comprehensive services, ensuring consistency across all aspects of your brand.
Signage
Make a bold statement with eye-catching signage that reflects your brand personality and attracts attention.
Website
Transform your online presence with our website design services, marrying aesthetics with functionality for a captivating user journey.
Design System
Ensure design consistency and efficiency with our tailored design systems, providing a unified visual language for your brand.
Graphics
Elevate your content with striking graphics that capture attention and convey your message with artistic precision.
Icons
Add a touch of uniqueness to your design language with custom icons, enhancing visual communication and brand recognition.
App Design
Craft engaging and intuitive mobile app experiences, merging functionality with aesthetics for a seamless user interaction.
Signage
Make a bold statement with eye-catching signage that reflects your brand personality and attracts attention.
Logo
Define your brand identity with a memorable logo that encapsulates your essence, making a lasting impression.
Brand Identity
Build a cohesive brand identity with our comprehensive services, ensuring consistency across all aspects of your brand.
Business Cards
Leave a lasting impression with professionally designed business cards, showcasing your brand with elegance and flair.
WHY CHOOSE US
Bathroom
Installations
When choosing Amanzi, you’re getting the full package from idea to reality.
Commercial &
Landlords
We offer tailored service and maintenace packages for residential and commercial landlords.
General
Maintenance
We can help with a wide range of water-related problems, from a dripping tap to burst pipes.
Plumbing Services
All aspects of plumbing and drainage from general pipe work and testing to installing and unblocking drains.
Specialist Advice
We specialise in business protection advice to SMEs across the UK, ensuring you can make informed decisions that align with your business goals.
Qualified Experts
We’re qualified in all areas of business protection, such as business loan protection, key person insurance, shareholder protection, executive income protection, relevant life insurance, relavant life & significant illness, partnership protection, and group cover
Highly Experienced
Our growing group of advisors have over 100 years combined experience. We understand the risks today's business leaders face and the rewards you wish to protect.
Testimonials
RELEVANT LIFE POLICY
The employer/ business takes out the plan on the life of an employee or director. The plan can be written to a maximum age of 75 and can contain flexible continuation options should an employee or director leave employment.
Generous sums assured are available (subject to criteria) and the plan is set up from outset in a specific discretionary trust, called a Relevant Life Plan Trust.
This ensures the proceeds do not fall into the estate of the deceased, thereby ensuring much quicker access to funds and also ensures the proceeds are paid free of Tax.
Get a 10% Discount On All Projects
Special Offer
Enhance your business environment with our bespoke solutions.
At the core of our team lies Ron, our Chief Installation Officer. Ron's skilled hands have crafted numerous iconic installations that you've probably marveled at – envision the captivating stage setups at an Ed Sheeran concert, the immersive environments of Wimbledon, or the timeless allure of Pink Floyd and Led Zeppelin performances. His expertise goes beyond just a job; it's a legacy.
Introducing Ron: Our Installation Expert!
TESTIMONIALS
"Optima Health and Life saved me over £80,000 by switching to a Relevant Life Plan. Gerry has been instrumental in ensuring we received the correct product."
Verified Review
Roco Latif - Roco Clothing Limited
"Martyn is brilliant; he only wants the best for you. He works with your business needs and finds the best solutions for you. I would highly recommend it."
Verified Review
Rachel Dilley - Liberty Dental Group Ltd.
"Martyn is an exceptional insurance advisor who is highly knowledgeable and has a unique ability to simplify complex insurance matters.
He was very proactive, gave valuable guidance, and spent much time finding me and my business the best suitable insurance coverage.
I recommend Martyn to anyone looking for trusted insurance advice."
Verified Review
Gavin Rees - Seer Consultancy Ltd.
What Our Client Says
Martyn is an exceptional insurance advisor, who is highly knowledgeable, and has a unique ability to simplify complex insurance matters.
He was very proactive, gave valuable guidance, and spent much time in finding me and my business the best suitable insurance coverage.
I recommend Martyn to anyone looking for trusted insurance advice.
Rees Dance
Optima Health and Life saved me over £80,000 by switching to a Relevant Life Plan. Gerry has been instrumental in ensuring we received the correct product.
Roco
Rachel
Martin is brilliant, only wants the best for you. Works with your business needs and finds the best solutions for you. Would highly recommend.
Other Services
Executive Income Protection
Executive Income Protection covers remuneration and pension costs for small and medium businesses when an employee or director is ill, typically as a tax-deductible expense with no P11D implications.
Key Person Insurance
Key Person Insurance provides capital to protect your business against profit loss if an employee dies or becomes terminally or critically ill.
Ownership Protection
Ownership protection, also known as shareholder or partnership protection, is designed to shield a business from the financial impact of a shareholder's or partner's death. It typically includes life insurance, with the option to add critical illness coverage.
Private Medical Insurance
Health insurance, or private medical insurance (PMI), provides individuals, families, and employees with prompt access to top-tier private medical facilities, treatments, and procedures, ensuring peace of mind, especially for critical conditions, with swift treatment initiation.
Business Loan Protection
Business Loan Protection ensures that funds are available for all corporate debt obligations, including commercial mortgages, directors' loans, and personal guarantees.
MEET THE TEAM
Stephen Roddy
Partner & Business Protection Adviser
Gerry McCready
Partner & Financial Consultant
Naz Riasat
Business Protection Adviser & Financial Consultant
Gareth Barnes
Business Protection Adviser
Neill Craig
Business Protection Adviser
Stephen McCann
Business Protection Adviser
Martyn Hopson
Business Protection Adviser
HOW DOES IT WORK?
TAX EFFICIENT
TAX-DEDUCTIBLE
TAX FREE
ANNUAL PREMIUM
Personal Life Policy
Gross Earnings Required to Pay Premium
Employee National Insurance Paid (2%)
Employee Income Tax Paid (40%)
£1000.00
£1724.14
£34.48
£689.66
Employee net pay (£1000)
Net Cost to Tom
£1569.66
Employer National Insurance Paid (13.8%)
Corporation Tax Relief Granted (20%)
£237.93
-£392.41
Relevant Life Policy
ANNUAL PREMIUM
£1000.00
Gross Earnings Required to Pay Premium
N/A
N/A
Employee National Insurance Paid
Employee Income Tax Paid
N/A
Corporation Tax Relief Granted (20%)
-£200.00
Net Cost to Tom
£800.00
If Tom selects this option he is £769.66 per year better off compared to the personal plan shown, equivalent to a saving of 49%. In this example, Tom will save around £27,000 over the term compared to a personal policy.
How Much Can You Save?
Employer National Insurance Paid (13.8%)
N/A
Tom is a 40 year old company director (business owner) and is considering life insurance through the business as opposed to buying it personally.
He has a quote for both personal life cover and relevant life cover. Both products are for £1 million to provide much needed protection for his family and are for the same term, ending at age 75.
The cost of the premiums for each of these plans are identical, as we would expect from most providers. So which does Tom select? They both look like the same benefit for the same premium. And they are.
Relevant Life Plans are not cheaper than personal cover. In fact, they're usually the same cost. The savings are made simply by having the right type of policy in place which qualifies for the beneficial tax treatment.
*The following tables demonstrate the difference in tax treatment between a personal life insurance policy and a qualifying relevant life policy. Tom can choose to pay for his own policy from post tax income, or he can elect that his business provides the valuable cover he requires.
TAX EFFICIENT
In this example Tom is a higher rate tax payer. If Tom was a basic rate taxpayer the savings could still be as much as 40%.
If Tom was an additional rate tax payer and paying himself dividends the saving could be as much as 66%.
Based on current tax legislation 2023/24 tax year.
There can be significant differences in cost depending on how one arranges life insurance.
Optima Health and Life is a trading style of Match Mortgages Limited who are authorised and regulated by the Financial Conduct Authority. FCA number (983246)
We have access to a comprehensive panel of 5 Star Defaqto Rated insurers which allows us to recommend the right financial products, thanks to an unbiased, at a glance assessment of quality you can trust.
RELEVANT LIFE POLICY VS. A PERSONAL LIFE POLICY
Lets have a closer look at the savings
WHAT IS RELEVANT LIFE COVER?
A Relevant Life Plan is a tax-efficient way for business owners to offer a death-in-service benefit to employees, including directors. Each plan is a stand alone, single life insurance policy, set up and paid for by the business. The life cover is tailored to requirements, yet counts as a business expense. Premiums can be treated as an allowable business expense by HMRC, with Corporation tax relief available, no additional income tax or National Insurance to pay. The proceeds are paid tax-free via a discretionary trust on death (or diagnosis of a terminal illness), for the benefit of the insured employees' or directors' dependents.
CAN MY FINANCIAL ADVISER DO THIS?
Yes, if this is what they specialise in.
Advisers are able to provide advice on business protection insurance products if they hold the necessary authorisation. The predominant focus of advisers in the protection sector is on recommending and facilitating personal and mortgage protection plans, which do not optimise tax considerations.
Guidelines usually restrict advisers from offering guidance or facilitating transactions related to tax-efficient business protection insurance products unless specifically authorised by their firm. Business protection products entail greater intricacies, chiefly attributed to the diverse tax implications surrounding their structuring and they can beThey can be litigious if set up incorrectly.
If you're a company director, speak to us and ensure you benefitting from the most tax efficient insurance plans. All advisers in Optima Health and Life are qualified in all aspects of business protection.
WHAT HAPPENS IF I CLOSE MY BUSINESS?
If you set up a Relevant Life policy for an employee or director who eventually decides they want to leave while the policy is still active, there are a couple of options available to you and them.
- • They can, if they want to, cancel the plan and they’ll no longer have the protection.
- • They can carry it on as a personal life insurance plan.
- • Or they can transfer it over to their new employer (assuming they’re willing to take the policy on).
- • This is known as Relevant Life Policy continuation.
WHO RECEIVES THE MONEY?
Relevant Life Plans are written in Trust and because the plan doesn’t belong to the employee, it doesn’t form part of their estate for inheritance tax purposes.
It pays a lump-sum to the employee's family if they die or are diagnosed with a terminal illness with a life expectancy of less than 12 months.
DOES RELEVANT LIFE COVER INCUR A P11D BENEFIT IN KIND CHARGE?
- • The taxman doesn’t treat premiums paid by the employer as a P11D benefit. For a higher rate taxpayer in a small company this can reduce costs by up to a third.
- • Neither employee nor employer has to pay National Insurance on the premiums.
- • So long as the premiums are ‘wholly and exclusively for the purpose of trade’ as part of the employee’s remuneration, they can be treated as a trading expense.
- • Premiums don’t count as part of the annual allowance for pension tax purposes.
ARE THERE ANY OTHER BENEFITS?
This type of plan could help high-earning employees who have substantial pension funds and don't want their death-in-service benefits to form part of their lifetime allowance. This can save significant tax charges.
And it's also useful for small businesses that don't have enough eligible employees to justify a group life scheme.
FREQUENTLY ASKED QUESTIONS BY BUSINESS OWNERS/COMPANY DIRECTORS
"I had a great experience with Martyn who made my whole experience very simple and straightforward. Martyn made an evening appointment around my schedule and was able to explain things in an easy-to-follow way. Martyn has a great depth of knowledge in his field and was very easy to deal with. Overall a quality experience! Recommend!"
Verified Review
James Armitage - Allied Surveyors and Valuers Ltd.
"Thanks to the team at Optima Health my insurance policies are on track now. The whole process was smooth and went quicker than I expected. Thank you guys.
Kind regards James''
Verified Review
James Robinson - JRR Gardens Ltd.
Optima Health and Life is a trading style of Match Mortgages Limited who are authorised and regulated by the Financial Conduct Authority. FCA number (983246)
WHAT IS RELEVANT LIFE COVER?
A Relevant Life Plan is a tax-efficient way for business owners to offer a death-in-service benefit to employees, including directors. Each plan is a stand alone, single life insurance policy, set up and paid for by the business. The life cover is tailored to requirements, yet counts as a business expense. Premiums can be treated as an allowable business expense by HMRC, with Corporation tax relief available, no additional income tax or National Insurance to pay. The proceeds are paid tax-free via a discretionary trust on death (or diagnosis of a terminal illness), for the benefit of the insured employees' or directors' dependents.
CAN MY FINANCIAL ADVISER DO THIS?
Yes, if this is what they specialise in.
Advisers are able to provide advice on business protection insurance products if they hold the necessary authorisation. The predominant focus of advisers in the protection sector is on recommending and facilitating personal and mortgage protection plans, which do not optimise tax considerations.
Guidelines usually restrict advisers from offering guidance or facilitating transactions related to tax-efficient business protection insurance products unless specifically authorised by their firm. Business protection products entail greater intricacies, chiefly attributed to the diverse tax implications surrounding their structuring and they can be litigious if set up incorrectly.
If you're a company director, speak to us and ensure you benefitting from the most tax efficient insurance plans. All advisers in Optima Health and Life are qualified in all aspects of business protection.
WHAT HAPPENS IF I CLOSE MY BUSINESS?
If you set up a Relevant Life policy for an employee or director who eventually decides they want to leave while the policy is still active, there are a couple of options available to you and them.
• They can, if they want to, cancel the plan and they’ll no longer have the protection.
• They can carry it on as a personal life insurance plan.
• Or they can transfer it over to their new employer (assuming they’re willing to take the policy on).
• This is known as Relevant Life Policy continuation.
WHO RECEIVES THE MONEY?
Relevant Life Plans are written in Trust and because the plan doesn’t belong to the employee, it doesn’t form part of their estate for inheritance tax purposes.
It pays a lump-sum to the employee's family if they die or are diagnosed with a terminal illness with a life expectancy of less than 12 months.
DOES RELEVANT LIFE COVER INCUR A P11D BENEFIT IN KIND CHARGE?
• The taxman doesn’t treat premiums paid by the employer as a P11D benefit. For a higher rate taxpayer in a small company this can reduce costs by up to a third.
• Neither employee nor employer has to pay National Insurance on the premiums.
• So long as the premiums are ‘wholly and exclusively for the purpose of trade’ as part of the employee’s remuneration, they can be treated as a trading expense.
• Premiums don’t count as part of the annual allowance for pension tax purposes.
ARE THERE ANY OTHER BENEFITS?
This type of plan could help high-earning employees who have substantial pension funds and don't want their death-in-service benefits to form part of their lifetime allowance. This can save significant tax charges.
And it's also useful for small businesses that don't have enough eligible employees to justify a group life scheme.
