The foundations for your future

More and more people are planning their future prosperity and even retirement planning around their property planning. Whilst this may have worked for many people in the past, care must be taken to ensure that nothing will de-rail this planning.

Protecting your home can involve several different types of arrangements.

Buildings & Contents

Protecting your home against damage to the actual building, your contents, or even the loss of your personal possessions outside of the home. You may also insure against the possibility of accidental damage in the above scenarios.

Mortgage Protection

Providing a lump sum to repay your mortgage in the event of death or upon the insured suffering a specified critical illness. This is the bedrock for most people.

Mortgage Payment Protection Insurance

Although vilified in the press, the right policy from the right company can still provide valuable short term cover, paying your mortgage in the event of Accident, Sickness or Redundancy. This cover can be especially effective for older mortgagees and those in higher risk category occupations. Care must be taken to acknowledge the fact that these policies generally operate using moratorium clauses to exclude previous and existing conditions.

Independent James can tailor these policies to specifically suit your budget and requirements, ensuring the foundations of your future property planning remain intact.

For Buildings and Contents and Mortgage Payment Protection Insurance we usually offer products from a single provider.

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.