Insurances

It is incredibly important to protect you and your loved ones against life’s unforeseen obstacles. We offer life and critical illness insurance, income protection and general buildings and contents cover. 

We offer free, extensive protection reviews for all our clients. Often a difficult subject to discuss, we feel it is of the upmost importance to have the correct insurance in place to suit you and your loved ones, should something unexpected happen. Our staff will complete the whole application process on your behalf.

Life Insurance

Life insurance can pay your dependents money as a lump sum or as regular payments if you die. It’s designed to provide you with the reassurance that your dependents will be looked after if you’re no longer there to provide. The amount of money paid out depends on the level of cover you buy.

Income Protection Insurance

Income protection insurance pays you a regular income if you can’t work because of sickness or disability and continues until you return to paid work or you retire.

Critical Illness

Critical illness cover pays out to you or your family if you die, become terminally ill, or are diagnosed with a specific illness, whichever happens first.

Home Insurance

Home insurance is a general term used to describe two very different types of insurance:

Buildings insurance – for permanent fixtures and fittings, like kitchens and bathrooms

Contents insurance – for things you keep in your home, like furniture, TVs, personal belongings and some types of flooring including carpets

You can buy both types of insurance separately, or in many cases, you can get them as a joint policy from one insurance company.

If you are looking to get an insurance quote, get in touch with our specialist team who will be able to provide you with personalised quotes.

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The guidance or information contained within the website is subject to the UK regulatory regime and is therefore aimed at consumers in the UK.
The FCA does not regulate Commercial lending or Commercial Buy to let mortgages.


Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it.

James Miller & Associates is a trading name of J.S.Miller Independent Financial Planning Ltd which is an appointed representative of Vision Independent Financial Planning Ltd who are authorised and regulated by the Financial Conduct Authority (FCA).

Firm reference number: 487395. This can be verified by visiting the Financial Services Register.

J.S.Miller Independent Financial Planning Ltd is a registered company in England and Wales. Registration number 07242081.

To verify our status please visit the FCA register. Our FCA number is 534042.