As an independent advisory firm, we are able to source your protection solutions from the whole of the protection market, ensuring that irrespective of your personal situation or budget we can find the right protection solution for you.

At Nicholas James we understand that everyone is unique. By building personalised protection solutions, we can ensure that the right money is placed into the right hands at just the right time.

Our expertise covers the following advice areas:

Individual Protection

Business Protection

content section 1 image
content section 2 image

Protection Types

Decreasing Term Assurance (DTA) – This is a policy that pays out a cash lumpsum on claim that decreases over the course of the policy. This is the most popular type of policy to protect a reducing liability and offers the cheapest type of cover.

Level Term Assurance (LTA) – This policy pays out a cash lumpsum on claim that remains unchanged over the course of the policy. This type of policy is appropriate where a specific amount of money is required on claim and is more expensive than an equivalent DTA policy.

Each of these policies can be set up on either an individual or joint basis.

Income Protection Benefit (IPB) – This policy pays out a replacement income where a client is unable to work due to illness or injury (including mental health issues), after a specified deferred period has elapsed. This is the most comprehensive type of cover available as the benefit can be claimed multiple times throughout the course of the policy.  

With direct access to underwriters and named case managers the team at Nicholas James can get real answers from real people when our clients need it most.