Personal Protection
Personal Protection
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 create personalised plans around your circumstances and priorities, putting the right protection in place to safeguard what matters most.
We make protection clear and personal – giving you confidence that your family will be supported, your plans won’t be derailed, and your future is secure no matter what life brings.
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)
We take a holistic approach to Protection
Income Protection
Provides you with a regular tax-free income if illness or injury stops you from working. Payments continue until you recover, die, or the policy ends — helping you keep up with everyday costs.
Life Insurance
Gives your loved ones financial security if you die during the policy term by paying out a tax-free lump sum. You choose the amount and length of cover to match your family’s needs and commitments.
Critical Illness Cover
Pays a tax-free lump sum if you’re diagnosed with a specified serious illness such as cancer, heart attack, or stroke. This financial support helps reduce financial strain so you can focus on treatment and recovery.
Mortgage Protection
Clears your mortgage if you die during the policy term, ensuring your family can remain in their home. Cover usually decreases in line with your mortgage balance, making it a cost-effective option.
Whole of Life Insurance
Provides a guaranteed tax-free lump sum whenever you die, giving peace of mind that funds will be available when needed. Often used to help beneficiaries settle inheritance tax or preserve family wealth.
Frequently Asked Questions (FAQ)
What does the initial 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’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 get financial advice?
Anyone who wants to make the most of their money — whether you’re early in your career, changing jobs, growing your wealth, or planning for retirement.
What does ongoing advice cost?
Our fees are very competitive. Our ongoing advice service is 0.5% on advised products, subject to a minimum fee of £240 per year.
Am I locked into the ongoing advice service?
No. If you ever feel you’re not getting value for money, you’re free to leave at any time with one month’s notice.
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.
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.