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020 3597 4094

Welcome to Arima Financial

Protecting you from the Financial Risk of Life’s Major Health Events

Life insurance is a type of coverage that provides a lump sum payout if you pass away during the policy term. Its purpose is to offer financial support to your loved ones after you're gone, helping with expenses like paying off the mortgage or maintaining their quality of life.It’s comforting to know that your family won’t face financial difficulties after you’re gone. Life insurance providers offer various policy options, and the right choice for you will depend on your specific needs and situation.

  • Life Cover
  • Critical illness Cover
  • Accident Cover
  • Income Protection Cover
  • Building and Content Cover
  • Private Medical Cover
  • Business Protection Cover

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020 3597 4094

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    Setting up personal protection is often something we postpone until it’s too late. Many individuals only recognize its importance when faced with a significant life event, such as a health crisis or the passing of a loved one, which brings the reality into clear focus.

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    What is Personal Protection?

    We all have financial obligations, such as mortgage payments, car loans, everyday bills, or supporting dependents. Life can be unpredictable and sometimes unfair, which means that when the unexpected occurs, these obligations still need to be met.

    Personal Protection services

    Life Insurance

    Life Security with Arima Financial: Providing a Shield for Your Loved Ones

    This is where personal protection plays a crucial role in managing that risk for you and your loved ones. It alleviates the financial strain during challenging times, allowing you to concentrate on the emotional and health impacts in the most difficult situations.

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    Accident Protection

    If you sustain an accident, it could significantly alter your life, leading to loss of income or an inability to work. Fortunately, there is a budget-friendly insurance option available to help offset some of these losses. This coverage is ideal for those on a tight budget, offering cash lump sums in the event of an accident.

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    Income Protection

    Furthermore, we recognize that your ability to earn an income is one of your most valuable assets. Our Income Protection Insurance goes beyond traditional coverage by offering a tax-free monthly income replacement in the unfortunate event that you are unable to work due to accident or sickness. This coverage ensures that you can maintain your essential financial commitments and living expenses, allowing you to focus on recovery without the added stress of financial strain.
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    Home and content insurance

    Safeguarding your home extends beyond a mere policy or financial venture; it represents a commitment to preserving the cherished memories, dreams, and valuables that render it truly your own, accompanied by an enduring tranquility that spans generations.
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    Critical Illness Insurance

    Arima Financial’s Critical Illness Insurance offers a vital safety net in the face of life-altering health challenges. This insurance provides a tax-free lump sum payment upon the diagnosis of specific critical illnesses or debilitating conditions, which might not be fatal but can have a significant impact on your life. These conditions typically encompass heart attacks, strokes, cancer diagnoses, and major organ transplants, among others. It’s important to note that the covered conditions may vary based on the chosen insurer, as will the specific exclusions that might apply for claims.
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    Have any Question? Ask us anything, we’d love to answer!

    What is Business Protection?

    Business protection is designed to safeguard your company in the event that a director, partner, member, or key employee experiences a critical illness or passes away. Having this financial safety net is essential for enabling businesses to recover swiftly and minimize the impact of such unfortunate events.

    Every business, regardless of size, may encounter unexpected challenges at some point. However, your clients can mitigate their risk by planning ahead. Whether they operate as a partnership, limited liability partnership (LLP), sole trader, or corporation, we’ll guide you through the key considerations for advising your clients on the importance of having adequate business protection in place.

    Business Protection services

    Relevant life Plan

    The Relevant Life Plan: Tailored Protection for Your Valued Employees

    At Arima Financial, we understand the importance of safeguarding your employees’ well-being and providing them with the peace of mind they deserve. That’s why we offer the Relevant Life Plan – an innovative and tax-efficient solution designed to provide comprehensive death-in-service benefits for your company’s employees.
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    Key Person Insurance

    Key Person Insurance: Safeguarding Your Business's Future

    In the realm of business insurance, Key Person Insurance emerges as a pivotal and indispensable shield. Though lacking a legal definition, its significance is profound.

    In essence, Key Person Insurance stands as a safeguard, adopted by small to medium-sized enterprises, designed to mitigate potential financial upheavals stemming from the unfortunate demise or prolonged incapacity of a pivotal member as specified in the policy. This insurance’s tenure remains intrinsically linked to the individual’s relevance to the enterprise.

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    Shareholder’s Protection

    For many individuals steering their own businesses, the intricacies of company management demand significant attention. Often overlooked is the consideration of potential scenarios involving the unfortunate passing or serious illness of a shareholder.

    With the aim of securing financial stability, ensuring business continuity, and safeguarding the interests of all involved – particularly pertinent in the context of private limited companies with a small number of principal shareholders – it becomes imperative to establish a safety net in the aftermath of a shareholder’s departure

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    FAQs

    Frequently asked questions

    We provide guidance on which policy would be best suited for you because selecting the right one involves a thorough understanding of your unique situation. As an “advised” broker, we leverage our extensive knowledge of the life insurance industry along with the personal information you share to identify the ideal policy at the most competitive price. Additionally, we can clarify any terminology or jargon related to your chosen policy, ensuring that you fully understand it and helping us tailor the best option to meet your needs and requirements.
    Arima Financial will conduct a market search for you, comparing numerous quotes from leading insurance providers in the UK to secure the best price, helping you save both time and money.

    No, we do not charge any fees or administrative costs to our customers for selling insurance. Our compensation comes from the insurers on a commission basis when you enrol in a policy.

    The price of your premium will be influenced by several important factors, such as your age, medical history, lifestyle, body mass index (BMI), occupation, hobbies, and smoking status. Additionally, the type of policy, duration of the term, and level of coverage you select will also impact the cost of your premium.

    Yes. To protect your policy from losing value as living costs increase, you can choose to apply indexation annually. This means that both your payout and premiums will rise in accordance with inflation, typically measured by the Retail Price Index (RPI).

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    020 3597 4094