Protection for those nearest to you

Protecting your home, mortgage and income against a specified event is the first step in our planning process. Thereafter, those of you with a family will realise that these are not the only things that need protecting.

Ensuring that your family is provided for in the event of long term sickness, critical illness and the worst of all conceivable possibilities is vital. If you are the breadwinner of the household, you should consider the impact of you not being there or being severely ill would have on your family. Would your family require a lump sum over and above your liabilities? An income? This area of planning is all about providing financial comfort in a time of emotional hardship. Many people do have such cover through their employer but what if you leave that employment? Become self employed? Also, consider the costs of childcare and home keeping in the event of a house person becoming unable to contribute to the home.

Life Insurance

Independent advice on setting up your life insurance is essential. Many insurances can increase Inheritance Tax Liabilities and end up wrapped up in a lengthy probate process. By placing your policy in trust, we can remove these issues – adding value through the advice process. We can also use life insurance to provide an income over a specified period as well as a lump sum.

Critical Illness Cover

Usually in the form of a lump sum payout over a specified term and often attached to life insurance, critical illness cover is a very comprehensive, hence not inexpensive, form of protection. Upon diagnosis of a specified illness, the sum assured would be paid out. Thoroughly underwritten upfront to minimise the number of claims refused, this cover can be vital, especially as modern technology often allows us to live for decades after suffering a critical illness.

Private Medical Insurance

Facilitates private health care for you and your family in the event of medical attention being required.

Whatever your family protection need, Independent James can provide invaluable advice.

Independent James are authorised and regulated by the Financial Services Authority – ref: 459851. This covers residential mortgages, general insurance and pure protection. We typically charge a fee for our advice, payable upon completion dependent on complexity of advice but on average £300.

Independent James are authorised and regulated by the Financial Services Authority – ref: 459851. This covers residential mortgages, general insurance and pure protection. We typically charge a fee for our advice, payable upon completion dependent on complexity of advice but on average £300.