Business Details
Emergency
services
Expert Financial Advisers in Milnrow
JR Financial Services is an independent financial advisory firm authorised and regulated by the Financial Conduct Authority. With over 35 hours of annual CPD training, we provide whole-of-market advice tailored to individual needs, ensuring clients receive impartial recommendations without hidden fees. Our services span life insurance, critical illness cover, income protection, and estate planning, delivered through face-to-face consultations or remote arrangements. We prioritise client understanding by avoiding jargon and focusing on plain English explanations. Our FCA authorisation (Register Number 647926) underscores our commitment to regulatory compliance and professional standards. Clients benefit from our expertise in structuring protection solutions that align with personal circumstances, including mortgage-related safeguards and inheritance tax planning. We operate with transparency, ensuring all advice considers long-term client interests rather than short-term gains.
Services
Life Insurance
Income Protection
Critical Illness Cover
Will Writing
Home Insurance
Highlights and features
- FCA-authorised with 35+ hours annual CPD training
- Whole-of-market product access for unbiased advice
- No client fees - transparent advisory model
- Flexible consultation options including home visits
- Specialist expertise in mortgage-related financial protection
Associations and certifications
- Financial Conduct Authority
Services
Life Insurance
Life insurance provides financial protection for dependants in case of untimely death. We offer level term, decreasing term, and family income benefit options. Policies pay tax-free lump sums to alleviate financial burdens during difficult times, with premiums fixed throughout the term. Our specialists help clients choose appropriate coverage durations and amounts aligned with mortgage obligations and family needs.
Income Protection
Income protection insurance replaces earnings lost through illness or injury. We provide policies paying tax-free monthly benefits until retirement age. Coverage includes back-to-work support and career break options. Premiums are calculated based on occupation, age, and health status. Our advisors help determine appropriate coverage levels to maintain household finances during prolonged absences from work.
Critical Illness Cover
Critical illness cover provides lump-sum payments for specified serious conditions. Our policies cover 50+ illnesses including cancer, heart attacks, and strokes. Benefits can be used for medical expenses, home modifications, or debt repayment. We compare multiple providers to find policies with comprehensive definitions and flexible payout options tailored to individual risk profiles.
Will Writing
Will writing services ensure proper distribution of assets after death. We help clients create legally valid wills that reflect their wishes. Our advisors explain intestacy laws and help structure estates to minimise inheritance tax. Services include updating existing wills and establishing trusts to protect beneficiaries' interests, particularly for unmarried partners and blended families.
Home Insurance
Home insurance protects residential properties and contents against damage. We offer buildings, contents, and combined policies with optional accidental damage coverage. Policies include legal expense protection up to 50,000 and 24/7 emergency assistance. Our advisors help determine appropriate sums insured for rebuilding costs and valuable items, ensuring adequate protection against common risks.
Questions
What financial services do you offer?
We provide life insurance, income protection, critical illness cover, will writing, home insurance, and business protection solutions tailored to individual needs.
Are your services regulated?
Yes, we are authorised and regulated by the Financial Conduct Authority (Register Number 647926) under UK regulatory regime.
How do you charge for advice?
We do not charge clients directly - our services are remunerated through commissions from insurance providers.
Can you help with mortgage-related protection?
Yes, we specialise in mortgage payment protection through term assurance, income protection, and accident sickness unemployment policies.
Do you offer home visits?
Yes, most business is conducted through face-to-face home visits at clients' convenience.
What payment methods do you accept?
Premium payments are handled directly between clients and selected insurance providers through preferred payment channels.
Reviews (1)
Mr & Mrs Naylor
John at JR Financial has provided advice for myself and my wife for a number of years. What impressed us the most, was his professional and friendly approach. He's always available to speak to and is very conscientious about understanding peoples actual needs. We often have reviews, to make sure any policy we hold is up-to-date and to make sure we are receiving value for money on any products recommended. We would highly recommend JR Financial Services to anyone else who might need Insurance and Financial Services.