You have worked hard to build the life you have. EIGHT's insurance and protection services make sure that if the unexpected happens, your family, your income, and your financial security stay intact. Let's talk about it
Most people don’t think about protection until they need it, and by then, it is too late to put it in place. Whether it is covering your mortgage, replacing your monthly income, or ensuring your loved ones won’t face financial hardship if you are no longer around, preparation gives you something money can’t always buy: certainty.
Whether you're protecting your family, your income, your business, or your legacy, the right insurance policy matched to your individual circumstances, not an off-the-shelf solution. Protection plans do not acquire a cash value. The cover provided will cease if premiums are stopped.
Protecting your family's financial security if the worst were to happen.
Life cover and critical illness insurance considered together, ensuring your loved ones are financially supported whether you pass away or receive a serious illness diagnosis, with the right level of cover for your individual circumstances.
Your income is your most valuable asset. An unexpected illness or injury shouldn't put it at risk.
A regular monthly income if you're unable to work due to illness, a medical condition, or injury. Essential bills, mortgage repayments, and living costs covered while you focus on recovery, not your finances.
Your home and your outstanding debts protected, whatever happens.
The right cover in place to ensure mortgage repayments and outstanding debts are met in the event of long term illness or death, so your family never faces the prospect of losing their home at the worst possible time.
What you've built, personally and professionally, deserves to be protected.
Key person cover, shareholder protection, and inheritance tax planning all considered together, ensuring your business continues and your legacy reaches the people it was always intended for.
As a Principal Partner Practice of St. James's Place, the suitability of the advice we give regarding SJP products is fully guaranteed, giving you peace of mind. Every recommendation is made by a qualified financial adviser, regulated by the Financial Conduct Authority, and built entirely around protecting what matters most to you. St. James's Place Guarantee
We believe in total transparency. Before you commit to any insurance policy or protection plan, we outline every single cost upfront, no hidden charges, no surprises, and no obligation to proceed until you are completely comfortable.
Read through our fee documents
Protection Planning Explained in 60 Seconds
Here are some of the question people ask before they sit down with their mortgage adviser.
The right protection policies depend entirely on your personal circumstances. Most people should consider some combination of life insurance, critical illness or income protection cover, but the priority varies based on your dependants, debts, employment status, and whether you have existing employer sick pay or state benefits in place. Your adviser will review your full picture before making any recommendations.
There is no universal answer to how much protection each person needs. The appropriate level of cover is based on your outstanding mortgage and debts, your monthly living expenses, your income, and how long you would need cover to last.
Yes. If you already hold life cover, an income protection policy, critical illness cover, or any other protection insurance, your Eight Financial adviser can review your policy documents and assess whether your existing cover still reflects your current circumstances. A policy that was right five years ago may have gaps today.
Life insurance pays a lump sum to your beneficiaries in the event of your death. Income protection insurance pays a regular, tax-free monthly income if you are unable to work due to illness or injury while you are still alive. Some people need one, many need both.
Permanent health insurance is another term sometimes used for long-term income protection, covering you until you return to work or reach retirement age. Your adviser will explain which type of protection is most relevant to your situation.
Yes. Business protection insurance is designed specifically to protect a company against the financial impact of losing a key person through death or serious illness. This includes Key Person Insurance, which covers the cost of replacing critical expertise, and Shareholder Protection Insurance, which allows remaining shareholders to buy back shares and maintain control of the business. For business owners, personal and business protection planning often needs to be considered together to ensure nothing is left exposed.
Your policy documents set out exactly what your protection insurance covers, what is excluded, and how to make a claim. For income protection insurance, they detail the waiting period before benefits begin, the percentage of income you will receive, and how long payments last. For critical illness cover, they list the specified serious illnesses covered and the tax-free lump sum payable on diagnosis.
The claims process varies by policy type, but it is straightforward when you know what to expect. For income protection insurance, you will typically need medical certificates confirming your illness or injury, along with proof of your income and employment status.
For critical illness cover, a formal diagnosis of a specified serious illness from a medical professional is required. Notify your insurer as soon as possible and follow the process in your policy documents.
Everyone's circumstances are different. The sooner the right protection is in place, the sooner you can stop worrying about the what-ifs and focus on living your life. Book a completely no-obligation meeting with one of Eight Financial's protection specialists today, no jargon, no pressure, just an honest conversation about the cover you need and what it would cost.
Fusion 1, 1000 Parkway, Whiteley Hampshire, PO15 7AA
