About Us
For over fifty years in the insurance, investment and mortgage fields we have always put our clients first, protecting and securing their financial wellbeing. Offering everything from independent financial advice to bespoke insurance policies, KGJ works closely with you, getting to know you personally to secure the best policy for you. We are fiercely independent, and we answer to nobody else but you, so we can truly care.
As a family-run business, we know the importance of the personal touch. We know that insurance can be a complicated topic, so we endeavour to explain everything clearly and transparently for you. Being independent brokers, we can also focus on delivering exceptional insurance policies tailored to you while providing excellent customer service, whether it’s personal or commercial solutions you need. We have designed and selected our policies to give you financial protection and peace of mind whenever and wherever you need it – it’s the KGJ way.
Get Free Advice
When it comes to insurance and financial services, knowing where to start can often be the biggest hurdle. That’s why KGJ are by your side from the very moment you first get in touch with us.
Our Services
Across a spectrum of insurance plans and financial services, KGJ will work closely with you to find a bespoke solution that does exactly what you expect. Here are just some of our main services.
Savings
Pensions
Mortgages
Insurance
Commercial
Investing a Windfall or Inheritance
If you receive a windfall or inheritance, consider your long-term financial goals before deciding how to invest the funds. You may want to consult a financial advisor to help you develop an investment.
Making Your Pension Work
To make the most of your pension, it's important to contribute as much as possible and to start saving early. You may also want to consider consolidating multiple pensions into one.
Planning for a Large Expenditure
If you're planning for a large expenditure such as a home purchase or major renovation, it's important to budget carefully and save up as much as possible beforehand.
Planning for Inheritance Tax
If you're concerned about the impact of inheritance tax, there are strategies you can use to minimise your tax liability. Consult a financial advisor to determine the best approach for your circumstances.
Planning for Retirement
Planning for retirement involves estimating how much income you'll need to cover your living expenses in later life and taking steps to ensure you have enough savings and investments to meet those needs.
Tax-Efficient Investing
Tax-efficient investing can be achieved with a financial advisor using strategies such as investing in tax-free savings accounts or using tax-efficient investment vehicles such as ISAs or pension schemes.
Consolidating Pensions
These days few people have a career with one firm and end up with multiple pensions with different providers from each employment. We can help you consolidate your pensions and prepare for flexible access drawdown in retirement.
Inheritance Tax Planning
Inheritance tax is onerous. Over a certain threshold, it is normally 40% of the value of the estate, including money, possessions and property, of somebody who has passed away. At KGJ, we can help you plan for it.
Long-Term Cash Planning
We have tools that allow us to build a forecast for 60 or more years into the future. Although nobody has a crystal ball, it is possible to see the general direction a savings plan will take you and whether you will be able to get to where you want.
Making the Best of Your Retirement
Retirement should be all about getting the most out of life, and a pension fund is essential for maintaining your quality of life after your working days end. We can help you make your existing pension last longer and do more for you.
Pension Planning in Middle Age
If you start planning your retirement when you’re already in middle age, then there is no need to panic! All is not lost, and a great deal is possible, even in a short time. Get in touch so that we can work out what the best plan is.
Starting Pensions Young
The best time to start a pension is when you start work. Even a very small monthly deposit can end up making a sizeable contribution to a retirement fund that won’t be used for forty years or more. Get in touch to get your pension started.
Adverse Credit Lending
Adverse credit lending is ideal for buyers with poor credit history. It often involves higher interest rates, stricter terms and increased risk for lenders due to previous credit issues.
Buy-to-Let Mortgages
Buy-to-let mortgages are loans used to purchase rental properties. They have higher deposits, different interest rates and are subject to landlord regulations. Financial and legal advice is essential.
Holiday Home Mortgages
Holiday home mortgages are loans used to finance second homes or holiday properties. They typically require a larger deposit, have higher interest rates, and may have strict eligibility criteria.
Lifetime Mortgages
Lifetime mortgages allow homeowners aged 55+ to release tax-free cash from their property without selling it, with interest accruing over the loan's lifetime, unless (optionally) paid.
Residential Mortgages
Residential mortgages are loans used to purchase or refinance a home. They typically have fixed or variable interest rates and can be repaid over a period of up to 35 years.
Short-Term Finance
Short-term finance provides interim funding when purchasing a property. Short-term finance is typically used for renovations and offers temporary capital with higher interest rates and shorter repayment terms.
Health Insurance
Health insurance is for anyone who wants to protect themselves financially against the high cost of medical care, including private health insurance or insurance for carers.
Learn moreHome Insurance
Anybody who owns – or has a stake in – a home property they want to safeguard against potential dangers, damages and unforeseen events should consider home insurance.
Learn moreLife Insurance
Life insurance provides financial security for your loved ones in the event of your unexpected death, covering expenses such as funeral costs, debts and living expenses.
Learn moreBoat Insurance
Marine insurance should be considered by anybody operating near or on seas, canals or other major bodies of water, as well as by boat owners – whether they operate yachts or narrowboats.
Learn moreMotor Insurance
Vehicle damage, injuries to other people in an accident, fire, theft and weather damage, among others, can all be covered by personal motor insurance policies.
Learn moreTravel Insurance
Travel insurance, be it domestic or international, protects travellers from expenses they might incur because of unforeseen events during their trip.
Learn moreCompany Pension Schemes
Company pension schemes are designed to help employees save for their retirement by making regular contributions to an investment fund that grows over time.
Death in Service Policies
This benefit provides financial support to an employee's loved ones during a difficult time and can be an important factor in attracting and retaining talented employees.
Inheritance Tax Planning
By structuring affairs in a tax-efficient manner, business owners can ensure that their estate is passed on to beneficiaries in the most cost-effective way.
Tax Planning for Directors
Directors can ensure they are making the most of available tax breaks with tax-efficient pension contributions, investment opportunities and remuneration packages.
Succession Planning
Succession planning involves developing processes for the transfer of leadership and ownership of a business, or other assets from one generation to the next.
Corporate Investment
The aim of corporate investment is to generate a return on the company's cash reserves, which can be used to fund future growth or pay dividends to shareholders.
Property Insurance
Protect your commercial property or property portfolio against potential risks, damages and unexpected events with our wide range of property insurance policies.
Learn moreKey Person Insurance
Business owners and managers need to protect their companies against the loss of key, high-level personnel. Key person insurance provides the funds needed to put temporary staff in place.
Learn moreGroup Private Medical Insurance
It is highly cost-effective to provide medical insurance through group schemes and it is easy to set it up too – even more so with KGJ’s expertise at your side.
Learn moreFleet Insurance
With fleet cover available for as few as two vehicles, motor insurance can protect your fleet and your business from accidents, theft and damages.
Learn moreCommercial Mortgages
Whether you’re looking for a mortgage for property development purposes or just an owner-occupier mortgage, our experts can secure the right policy for you.
Learn moreBusiness Insurance
From public liability to equipment protection insurance, businesses often require an array of insurance policies. Let us help you find the right one.
Learn moreGet in Touch
As a professional and caring family-run insurance broker, we’ve been helping clients since 1969 - we always have time to help you navigate the money maze to financial wellbeing and peace of mind. We’re the sort of company that really values meeting and speaking to our clients. Perhaps some would say we are a bit old-fashioned, but we know we can only give the very best bespoke services if we get to know our clients, and there’s only one way to do that, by talking to you!
Professional Partners



Our Customers
We’ve been privileged to provide our services to many different clients over the years. Here’s what just a few of them have said about working with KGJ.
Talk to the Experts
Taking out insurance or investing your money is a big commitment, and we understand that completely. Whatever questions you have, we’re here to provide clear and concise answers – just get in touch.
Expert advice
Our insurance brokers and financial services experts regularly add interesting and informative articles to our KGJ blog, helping to demystify the processes and explain in clear terms different types of policies and investments. If you’re looking to learn more, start here.

Essential Independent Pension Advice

The Importance of Financial Wellbeing in the Workplace

What Type of Insurance Do You Need on a Holiday Home?

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What is unoccupied property insurance?

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