Our Services

We can offer you a FREE full financial protection review with one of our qualified advisors that will customize a policy to fit your needs and/or budget.

We can also review your current polices FREE of charge to see if your cover is still matching your requirements or if we can improve it in anyway.

 Nicholas James Financial Consultancy are whole of market brokers, so you have piece of mind knowing that you have got the best price and/or the most comprehensive cover available.

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Life insurance
This type of life insurance policy provides a financial pay out to your beneficiaries if you, the policy holder, were to pass away within the term of the policy. This pay out may be provided in monthly instalments or as a lump sum depending on the policy holder’s preferences.

NJF Consultancy’s policies grant your loved one’s peace of mind when you can no longer provide for them. It can help in numerous ways, such as, ease your loved one’s financial burdens, for example mortgage repayments, debts, other household bills, funeral arrangements and can even be used to fund any dependents for any educational needs and/or the help they may need to take that step onto the property ladder.

Income protection
Income protection insurance is designed to provide you with financial support if you find yourself in a situation where you are unable to work due to an accident, sickness, or health complications. There are different types of income protection insurance, which include short-term or long-term cover, depending on your needs.

We offer independent, specialist advice on income protection for all individuals, providing a bespoke cover against loss of income for both the employed and self-employed clients.

Income Protection pays up to 70% of your normal monthly earnings if you are unable to work owing to accident, illness or other health complications. Otherwise, without a policy such as this you may be unable to meet your regular commitments, such as mortgage/rent, day to day household bills and any other financial obligations.

Mortgage protection
A mortgage protection policy is used to cover an outstanding mortgage balance throughout the term of a mortgage if the policy holder/s were to pass away during the term agreed. These policies are normally based around a repayment mortgage that will ensure that the balance will be cleared in full upon the policy holder’s death. Allowing the beneficiaries/loved ones to live in a mortgage free home.

Here at NJF Consultancy we are also able to guide you through every step of your buying journey from helping you find the right mortgage to ensuring you and your loved ones are financially protected.

Critical Illness
It is difficult to think about you or a loved one being diagnosed with a critical illness such as a stroke, heart attack, cancer and many others. Whilst recovering from an illness the last thing you should be worrying about is your finances.

This policy pays a tax-free lump sum upon diagnosis of a specified condition covered. This policy can provide financial support in many areas during a difficult time. The tax free lump can then be used to pay for potential house adaptations required to assist with such illness, to fund the day to day running of a household and clear any remaining debt including a mortgage, easing that financial burden on you and any dependents/loved ones.

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Funeral plans
NJF Consultancy can help you find the best price and ideal way to make financial provision for your funeral in advance. It can also help to reduce the worry for loved ones and ensure they have access to funds to pay for this. Having a funeral plan in place gives you peace of mind knowing that no one would be left with the debt to pay for yours.
Policies to clients with pre-existing conditions
Within our panel of providers, we are still able to assist you with your life insurance needs even if you have suffered from an illness previously or are currently battling with one now. The importance of having some form of financial protection is essential!
Mortgages and re-mortgage’s

An adviser will help guide and advise you to understand when you should be remortgaging to help you get locked into the right deals and ensure that you don’t pay higher rates by not getting remortgaged in time.

To discuss it with your local adviser get in touch

General Insurance
For most of our clients their home represents a significant part of their wealth and it is vital not only that it is insured but that you have the proper cover in place which will pay out quickly at the time of need.
Few of us enjoy paying for insurance and competitive premiums are important but it is not the whole story – doing the job and paying out quickly in the event of a claim is even more important so we recommend that you ensure that you choose your provider based on service and claims history as well as on price.

As Independent Financial Advisers we enjoy providing our client with a range of alternatives to suit their circumstances and their preferences.

Pensions
Pensions are designed to enable you to save sufficient money during your working life to provide an income stream for you to live comfortably after you have retired.

There are many different ‘tools’ used to save for retirement, the taxation and investment elements of pensions can appear baffling. We specialise in explaining, recommending and monitoring pensions for you. Below are the most common sources of pension income to provide for your retirement.

About you

You’re not looking for a policy that fits all.

For you, it’s all about a personal and tailored service that will take you through life, helping you afford and protect the things that really matter. That’s why you’ll feel at home with Nicholas James Financial Consultancy.

More than anything, you’ll value being able to work with people you trust and respect, and who get to know your financial situation and aspirations inside out. Through that strong, developing partnership you’ll be able to look to the future with total confidence and complete peace of mind.

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