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!
Business Protection
Safeguard The People Your Business Relies On
Business protection covers key person, shareholder and loan risks — helping your company stay stable if a critical individual dies or becomes seriously ill.
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…
Business protection is designed to help companies manage the financial impact if a key person dies or becomes critically ill — covering lost profit, recruitment costs, or outstanding business loans.
Common solutions include key person cover, shareholder or partnership protection (to fund a buyout), and relevant life or loan protection policies. The right structure depends on ownership, profit dependency and lender requirements.
Because we are whole-of-market, we compare leading insurers on price, underwriting and policy wording — so you get cover that fits your business, directors and budget without the jargon.
Speak to an Expert
Why Consider Business Protection?
- Protect profit if a key person dies or becomes critically ill
- Fund shareholder or partnership buyouts smoothly
- Help clear or refinance business loans on a claim
- Support recruitment and continuity costs
- Relevant life and director cover options available
- Structures for limited companies and partnerships
- Whole-of-market advice with clear fee disclosure
How it Works
Get started today in 3 simple steps
01Tell us your needs
Share ownership structure, key people, loans and profit dependency. We outline realistic options with no obligation.
02We Compare The Market
Your adviser searches leading insurers for key person, shareholder and loan cover that fits your business.
03You're Protected
Policy placed and documents issued. We will review cover as your business grows and help if a claim is 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 Business Protection Questions
Key person cover pays the business a lump sum if a critical employee or director dies or becomes critically ill — helping replace lost profit, fund recruitment or cover short-term disruption.
Shareholder (or partnership) protection provides funds so remaining owners can buy a deceased or critically ill owner's share — keeping control in the right hands and supporting the family with a fair exit.
Yes — loan protection can help repay or reduce a business debt if a key borrower dies or becomes critically ill, protecting the company and remaining directors from an unexpected liability.
It depends on the purpose. Key person cover is often owned by the company; shareholder arrangements may use cross-option agreements and individual or company ownership. We recommend the structure that fits your goals and tax position.
This depends on profit contribution, replacement costs, debt levels and share values. Your adviser will help calculate realistic sums assured based on your accounts and ownership structure.
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.
