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!
Critical Illness Cover
Support When A Serious Illness Strikes
Critical illness cover pays a tax-free lump sum if you're diagnosed with a specified serious condition — helping you focus on recovery while covering the mortgage, bills and time off work.
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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…
Critical illness cover is designed to pay a tax-free lump sum if you're diagnosed with a specified serious illness — typically including many forms of cancer, heart attack and stroke, depending on the policy.
Unlike life insurance, the payout is for you while you're alive. You can use it however you need: clear a mortgage, replace income during treatment, adapt your home or pay for private care.
Policies differ on which conditions are covered and how severe they must be. Because we're whole-of-market, we compare leading insurers on definitions, price and underwriting so you get cover that fits your health, family and budget.
Speak to an Expert
Why Consider Critical Illness Cover?
- Tax-free lump sum on diagnosis of a specified illness
- Help clear a mortgage or other debts while you recover
- Replace income during treatment and time off work
- Can be standalone or combined with life insurance
- Cover for many cancers, heart attack and stroke (policy dependent)
- Single or joint policies to suit couples
- 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, mortgage, income and health goals. We'll outline realistic cover levels with no obligation.
02We Compare The Market
Your adviser searches leading insurers for definitions, price and underwriting that fit your health 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.
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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 Critical Illness 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.
Most policies cover a range of conditions including many cancers, heart attack and stroke. Exact definitions and severity requirements vary by insurer — we'll explain what's included before you apply.
Yes — many people take critical illness as an add-on to life cover, or as a standalone policy. We'll recommend the structure that best fits your budget and protection goals.
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, debts, dependants and how long you might need to be off work. Your adviser will help you calculate an appropriate level of cover 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.
