Thanks Obinna for such a thorough…
Thanks Obinna for such a thorough service. You took your time and patiently explained life insurance to me. Great service!
Family Income Benefit
Regular Support For Your Family
Family income benefit pays a regular tax-free income to your loved ones if you die during the policy term — helping replace your salary month by month rather than as a single lump sum.
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It was very thorough and patiently…
It was very thorough and patiently session. Ensured I understand everything and he answered every question I had and reassured me and gave me a good for thou…
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Nice speaking with him. Very professional in his advice and patient in answering all questions. He deserve a 6 star not just 5.
5* Mortgage Broker
True to her name Madiha is truly praiseworth. She walked through the entire process of getting a mortgage offer concisely and thoroughly. We are super happy…
Excellent Service, 100% recommend
Madiha was absolutely amazing when it came to sorting out our mortgage and talking us through the process she is extremely knowledgeable. As first time buyer…
Andrew Latto was great
Andrew Latto was great throughout our remortgage process. Very responsive and patient despite an unforeseen issue our end. Would highly recommend.
Explained each steps
Explained each steps, explored various options.
Our Mortgage Experience
Our experience from the start to the end was a top notch with Mr Gbenga Peter Olubayo. Every tiny detail was simplified and made very easy for us. He sends r…
The mortgage broker is really truthful
The mortgage broker is really truthful, honest, patient, and really amazing. She has been very professional, yet empathetic all the way.
I recently took out a protection…
I recently took out a protection policy through Access Financial Services from an Advisor Shahid, and I couldn't be happier with the experience. The advisor…
Family income benefit is a type of life cover that pays a regular tax-free income to your family if you die during the policy term — rather than one large lump sum.
Payments continue for the remaining term, helping replace the salary your dependants relied on for mortgage costs, bills and everyday living. Because benefits are spread over time, premiums are often lower than equivalent lump-sum life insurance.
Because we are whole-of-market, we compare leading insurers on price, term and underwriting — so you get cover that fits your family, budget and long-term plans without the jargon.
Speak to an Expert
Why Consider Family Income Benefit?
- Regular tax-free payments to your family if you die
- Helps replace salary for mortgage, bills and living costs
- Often more affordable than lump-sum life cover
- Payments continue for the remaining policy term
- Clear monthly income instead of managing a large lump sum
- Can sit alongside or instead of traditional life insurance
- Whole-of-market advice with clear fee disclosure
How it Works
Get started today in 3 simple steps
01Tell us your needs
Share your family situation, income, mortgage and how long cover should last. We will outline realistic options with no obligation.
02We Compare The Market
Your adviser searches leading insurers for monthly benefit levels, terms and premiums that fit your budget.
03You're Protected
Policy placed and documents issued. We will review your cover regularly and help if your family ever needs to claim.
Our Protection Services
Life Insurance
Pays a lump sum to your family if you die. Level or decreasing term. Joint or single. We'll find the right policy.
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Critical Illness Cover
Pays out a tax-free lump sum on diagnosis of a specified serious illness such as cancer, heart attack or stroke.
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Income Protection
Replaces a proportion of your income if you're unable to work due to illness or injury. Short or long-term.
Read More
Family Income Benefit
Regular tax-free payments to your family if you die during the policy term — often a cost-effective alternative to lump sum cover.
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Whole of Life Insurance
Lifelong cover that pays out whenever you die — often used for inheritance planning or funeral costs.
Read More
Private Medical Insurance
Access private healthcare when you need it — we compare providers to find cover that fits your budget and needs.
Read More
Business Protection
Key person, shareholder and loan protection to safeguard your business if a key individual dies or becomes critically ill.
Read More
Accident Cover
Pays a lump sum if you're injured in an accident — helping cover recovery costs and time off work.
Read MoreCommon Family Income Benefit Questions
Standard life insurance usually pays a single lump sum. Family income benefit pays a regular monthly (or annual) income for the rest of the term, which many families find easier to budget with — and premiums are often lower.
Payments typically continue until the end of the policy term you chose. If a claim is made late in the term, fewer payments remain — which is why term length should match how long your family would need support.
Yes — some people use family income benefit for day-to-day living costs and a smaller lump-sum policy for debts or a mortgage. We will recommend a mix that fits your goals and budget.
Often yes — many providers offer cover with exclusions or loaded premiums. We search the whole market to find insurers most likely to accept your application.
This depends on your mortgage, bills, childcare and the income your family would lose. Your adviser will help calculate a realistic monthly benefit based on your circumstances.
Trusted By 1200+ Satisfied Customers
Access Financial Services exists to take you there. We're more than a finance provider; we're a trusted guide, delivering smart advice, personalized solutions, and the clarity needed to move forward with confidence. With Access, financial security isn't imagined—it's achieved.
Whole-of-market advice with a personal touch. Our team helped me find the right mortgage deal without the jargon — highly recommended.
From protection to commercial lending, Access guided us every step of the way. Professional, transparent, and always available.
