About us
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Company Profile
We are independent financial advisers dealing with clients all over the UK and have experience in dealing with clients protection and investment needs since 1996. Our aim is to provide you with clear information that will assist you to make an informed choice from the best available protection products in the market. With added value in the form of discounted premiums and cashback.
We aim to treat all our customers fairly and invite feedback so we may serve you better.
Our investments discounts, including ISA's deposit based fixed interest accounts can be found at www.charlottejamesifa.com
Quoteme4 is a trading name of Charlotte James IFA Ltd, which is authorised and regulated by the Financial Services Authority FSA number 493391.
Registered in England and Wales number: 6750804
Registered office: 186 Treffry Road Truro Cornwall TR1 1UF
The information on this website is not advice and products offered are on a non-advised basis.
Top 5 Tips
- Consider a combined unemployment and PHI income protection policy (LV).
- Compare the cost and cover of a stand alone unemployment policy and a separate PHI policy to ASU or MPPI.
- Always compare price AND the policy terms to determine good value.
- Don't buy from you bank unless you don't care how much you pay or what you get.
- Ensure that you don't have other policies that overlap cover or overlap any sick pay paid by your employer.
Commended MPPI Providers
- MMS offering their Keystone commitments protection with a market leading 60 initial exclusion and ability to cover 90% of net income.
- PruProtect for good value unemployment cover with optional PHI. They are one of the few providers offering 24 months benefit period for unemployment cover.
- DMS for competitive rates on their MPPI which are fixed each year giving pace of mind.
- LV being the only provider in the whole market to offer guaranteed premiums on a combined permanent income protection and unemployment policy.
Commended PHI Providers
- Unum for providing own occupation cover for teachers.
- Exeter Family Friendly for providing own occupation to all occupations.
- Exeter Family Friendly for offering a choice of excess periods starting from 3 days back to day 1 for all occupations on permanent income protection.
- Exeter Family Friendly for offering their short term income protection unrelated to earnings.
- Pruprotect for offering comprehensive cover that can for certain self-employed occupations pay benefits after just 7 days excess.
- LV being the only provider in the whole market to offer guaranteed premiums on a combined permanent income protection and unemployment policy.
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