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!
Income Protection
Keep Your Income Coming When You Can't Work
Income protection replaces a proportion of your salary if illness or injury stops you working — helping you cover the mortgage, bills and everyday costs until you're ready to return.
300+
Wealth of lenders in the market
20k+
Reviews & 5 Stars Trustpilot results
5.0
Over 20+ years
in the industry
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…
Professional
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…
Income protection is designed to pay a regular monthly benefit if you're unable to work due to illness or injury — replacing a proportion of your income so you can keep up with the mortgage, bills and living costs.
You choose how long the benefit can last (short or long-term), when it starts after a deferred period, and whether cover is linked to your own occupation. Unlike critical illness, payments continue while you're still unable to work rather than as a one-off lump sum.
Because we're whole-of-market, we compare leading insurers on price, definitions and underwriting — so you get cover that fits your job, health and budget without the jargon.
Speak to an Expert
Why Consider Income Protection?
- Replace a proportion of your income if you can't work
- Help cover mortgage, bills and everyday living costs
- Short-term or long-term benefit periods available
- Choose a deferred period that fits your sick pay
- Own-occupation definitions available with many insurers
- Pays while you're still unable to work — not a one-off lump sum
- Whole-of-market advice with clear fee disclosure
How it Works
Get started today in 3 simple steps
01Tell us your needs
Share your income, job, sick pay and how long you might need cover. We'll outline realistic options with no obligation.
02We Compare The Market
Your adviser searches leading insurers for benefit levels, deferred periods and terms that fit your job and budget.
03You're Protected
Policy placed and documents issued. We'll review your cover regularly and help if you ever need 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.
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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.
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Private Medical Insurance
Access private healthcare when you need it — we compare providers to find cover that fits your budget and needs.
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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 Income Protection Questions
No — income protection replaces a proportion of your salary if you cannot work due to illness or injury. PPI was typically linked to a specific loan or credit agreement and covered fewer scenarios.
Most insurers allow you to cover a proportion of your gross earnings — often around 50–70%, depending on the provider and your circumstances. We'll help you choose a realistic benefit level.
The deferred period is how long you wait after becoming unable to work before benefits start. Longer deferred periods usually mean lower premiums and can align with employer sick pay.
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.
Short-term cover pays for a limited period (for example 1–2 years). Long-term cover can pay until a set age if you remain unable to work. Your adviser will recommend based on your sick pay, savings and family needs.
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.
