The cornerstone of financial planning

When studying for the Financial Planning Certificates, the basis of all advice starts with Protection. This may be this protecting your assets, your home, your family or your income.

When studying for the Financial Planning Certificates, the basis of all advice starts with Protection. This may be this protecting your assets, your home, your family or your income.

You require independent advice to ensure your protection arrangements are a help not a hindrance. Constantly changing legislation in this area requires specialist knowledge and advice. For instance, is your Life Insurance policy held in Trust?

All of your future planning and aspirations are based upon several assumptions, many of which will not come to fruition in the event of an unfortunate incident occurring to either yourself or a member of your family.

Many people fail to realise the paucity of benefits available to them in the unfortunate event of the worst happening. The industry has been warned not to use ‘Shock Tactics’ to try and sell protection to consumers, however, this is often the only way to actually make people sit up and take note.

We do all know of somebody who’s life has been severely and adversely affected by illness, either their own or that of a loved one and this can in many cases be avoided by a simple cost effective protection policy.

Contact Independent James for advice

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.