Ian Beaumont
Group CEO
Personal Protection Advice
Protect your income, your family and the future you’ve worked hard to build with tailored personal protection.
Income protection and critical illness cover
Find the right combination of protection to help safeguard your family and income through difficult times.
Life cover and mortgage protection
Ensure the right cover is in place to help protect your home and provide for loved ones if you are no longer around.
Personal advice, ongoing support
Get independent advice tailored to your circumstances, with regular reviews to keep your protection aligned as life changes.
Life can be unpredictable, but the right protection ensures you and your family are supported through life’s toughest moments.
Without the right advice, cover can be confusing and may not provide the security you need.
At Omny Personal Finance, we build personalised protection plans around your circumstances, priorities and long-term goals, so your cover is joined up with the rest of your financial plan, not bought in isolation. Whether you are focused on protecting your income, securing your mortgage, or safeguarding your family’s future, we help you put practical, affordable protection in place.
Personalised advice
A clear assessment of your circumstances, goals and existing cover, so we can recommend a tailored mix of life insurance, critical illness cover, income protection and mortgage protection.
A joined-up plan
Personal protection insurance that is aligned with your wider savings, investments and retirement plans, not competing with them.
Clarity on what is covered
Easy-to-understand explanations of what each policy does and does not cover, so there are no surprises when claims need to be made.
Support with applications
Help completing applications and answering insurer questions to give your policies the best chance of being accepted on suitable terms.
Ongoing reviews
Regular check-ins, so your protection remains appropriate as your career, family and financial position evolve.
Did you know?
Too many people would struggle without the right cover:
- 68% of UK adults would face financial difficulty if unable to work due to ill health.
- 45% of mortgage holders have no protection in place, leaving them exposed if their income stops.
- 52% of parents risk their family’s financial security by not having life insurance or protection products.
- Only 20% of adults hold income protection – yet 97% of policies are arranged with advice, showing how crucial advice is in getting the right cover.
Sources: Aviva (2023, 2024); HomeOwners Alliance (2024); MetLife UK (2024); ABI (2024)
Angie Crush
Head of Employment Law
Mike Kealey
Managing Director, Omny HR
Amanda Menahem
Group HR Director & Head of Omny Performance
Chris Halloran
Group Finance Director
Jonelle Wilkin
Group Head of Operations
Lorraine Williams
Senior Legal Director
Paul Andrews
Director
Trusted by
Frequently asked questions
Can my partner also receive advice?
Yes. We offer the same service for partners, and working with both of you allows us to provide more comprehensive advice that reflects your full financial picture.
Do you only advise on certain types of protection?
We provide advice across a range of personal protection solutions, including life insurance cover, critical illness insurance, income protection insurance, mortgage protection insurance and whole of life insurance. Our role is to recommend the combination that best supports your goals, not to promote a single product.
Do you recommend products from one provider, or do you search the whole market?
We search the whole market independently. That means we are not tied to any single insurer or provider, and we have no incentive to steer you towards a particular product. We compare what is available across the market, assess which options suit your circumstances, and recommend the cover that makes sense for you. You get the best fit, not the easiest option for us.
What does ongoing personal protection advice cost?
You won’t pay us a fee directly for this advice. Instead, we receive a commission from the insurer we place your policy with. This is paid to us by the insurer, not billed to you. Commission is factored into the premium the insurer charges, so it isn’t a free service – it’s simply collected differently. We’ll always confirm in writing, before you commit, exactly what we’ll be paid and how it works.
What does the initial personal protection meeting cost?
There’s no charge for your initial meeting or presentation. We’ll use this time to understand your goals, share our recommendations, and outline how we can support you going forward.
What happens if I change employer?
You can continue with our service. We’ll review your new situation and provide updated advice tailored to your new role and benefits.
What’s the benefit of financial advice?
Good advice gives you clarity and confidence. It helps you make informed decisions, structure your finances effectively, and stay on track as your circumstances change. We’ll also help you make the most of your allowances and understand your tax position, so your money works harder for you.
Who should consider personal protection planning?
Anyone who has people who rely on them financially, has a mortgage or significant financial commitments, or would struggle if their income stopped, should consider personal protection planning. This includes individuals early in their careers, growing families, homeowners and those approaching retirement who still want to protect their loved ones.