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!
Live Financially a worry free life
Protect What Matters Most
Life insurance, critical illness, income protection and more. Whole-of-market advice to find the right cover at the right price.
300+
Qualified Brokers All Across Country
20k
Satisfied Customers All Across Country
5.0
Over 20+ years
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…
What Is Protection Insurance?
At Access Financial Services, we believe protection should be a fundamental part of financial planning - not an afterthought. Our advisers take the time to understand your personal circumstances, financial commitments and future aspirations before recommending protection that's tailored specifically to your needs.
Because we're whole-of-market, we compare policies from a wide range of leading insurers to help find the most suitable cover at a competitive price.
Our Protection Services
Expert advice on every type of personal and business protection
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.
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Accident Cover
Pays a lump sum if you're injured in an accident — helping cover recovery costs and time off work.
Read MoreHow We Find The Right Cover
01Tell Us Your Needs
Share your situation — family, income, debts and goals. We ask the right questions to understand what cover you need.
02We Compare Policies
Your adviser searches the whole market, comparing providers on price, terms and claims record.
03You're Protected
Policy placed and documents issued. We'll review your cover regularly and help if you ever need to claim.
Handy tools and calculators
Practical Gadgets To Help Keep Things Simple
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.
Common Protection Questions
Life insurance pays out on death. Critical illness insurance pays on diagnosis of a specified serious condition — such as cancer, heart attack or stroke — while you're still alive.
This depends on your mortgage, debts, dependants and income. Your adviser will help you calculate an appropriate level of cover based on your circumstances.
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.
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.
Death in service is a valuable benefit but may not be enough on its own — it only applies while employed and the payout may not cover your full needs. Personal cover gives you control and portability.
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.
What Our Protection Clients Say
Read how we have helped families and businesses find the right cover at the right price.
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