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!
Whole of Life Insurance
Lifelong Cover That Pays Out Whenever You Die
Whole of life insurance provides lifelong cover with a guaranteed payout when you die — often used for inheritance planning, estate costs or funeral expenses.
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…
Whole of life insurance is designed to pay a lump sum whenever you die, as long as premiums are maintained — unlike term life cover, which only pays if death occurs within a set term.
It is commonly used for inheritance planning, leaving a gift for loved ones, or helping with funeral and estate costs. Some policies can also be written in trust so proceeds are paid more efficiently to beneficiaries.
Because we are whole-of-market, we compare leading insurers on price, guarantees and underwriting — so you get lifelong cover that fits your goals and budget without the jargon.
Speak to an Expert
Why Consider Whole of Life Insurance?
- Lifelong cover that pays out whenever you die
- Useful for inheritance and estate planning
- Help with funeral and final expenses
- Guaranteed payout while premiums are paid (policy dependent)
- Can be written in trust for beneficiaries
- Single or joint life options available
- Whole-of-market advice with clear fee disclosure
How it Works
Get started today in 3 simple steps
01Tell us your needs
Share your goals — inheritance, funeral costs or leaving a gift. We will outline realistic cover levels with no obligation.
02We Compare The Market
Your adviser searches leading insurers for lifelong cover, guarantees and premiums that fit your budget.
03You're Protected
Policy placed and documents issued. We will review your cover regularly and help if a claim is ever needed.
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.
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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 MoreCommon Whole of Life Questions
Term life cover only pays if you die within a set term. Whole of life is designed to pay whenever you die, as long as premiums continue — making it suitable for lifelong needs such as inheritance or funeral costs.
It is often used by people planning for inheritance tax, wanting to leave a guaranteed gift, or covering funeral expenses. Your adviser will confirm if it suits your goals better than term cover.
Some policies offer guaranteed premiums; others may review rates. We explain the difference clearly and help you choose the structure that fits your budget and preference for certainty.
Often yes — writing a policy in trust can help proceeds reach beneficiaries more efficiently and may keep them outside your estate for inheritance tax purposes. We can discuss whether a trust is appropriate for you.
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.
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.
