Individual Protection

Whether you are a renter, homeowner or investor the team at Nicholas James are here to make sure that in the event of illness, injury or death you, your home and your family won’t be at risk.


Every 3 minutes one person dies from heart or circulatory diseases

British Heart Foundation

Benjamin Franklin said that ‘nothing is certain except death and taxes’ and while death may be certain it is rarely opportune. By ensuring that our client’s family receives a cash lump sum on their death we ensure that they can grieve without the added worry of how their bills will be paid

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Serious Illness

1 in 2 people will develop cancer within their lifetime

Cancer Research UK

By its very definition, a serious illness can have a serious impact on the physical, emotional and financial security of our clients. By ensuring that our client receives a cash lump sum on diagnosis of a specified critical illness we ensure that they will have the freedom to manage their recovery without the added worry of how their bills will be paid

Inability to Work

1 in 6 people in the past week experienced a common mental health problem

McManus S, Bebbington P, Jenkins R, Brugha T. (eds.) (2016) Mental health and wellbeing in England: Adult Psychiatric Morbidity Survey 2014. Leeds

With the unprecedented health problems caused by Covid and Long Covid and the traditional incidence of Musculoskeletal and mental health disorders as two of the biggest causes of long-term absence from work (Statista 2020), we have never been more aware of the risks that could stop our clients from earning. By ensuring that they receive a replacement income in the event they suffer an injury or illness we ensure that they will have the freedom to cover their bills and maintain their lifestyle.

Beyond the Pay-out

At Nicholas James, we care about our client’s wellbeing beyond the pay-out. By selecting our protection providers carefully, we can secure access to additional support services that will offer our clients even greater peace of mind.

These services include access to:

  • Digital GP services
  • Second Opinion Health Services
  • Counselling & Rehabilitation support
  • Specialist Medical treatment outside the UK
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