Andy Panayi CeMAP
Your Independent Mortgage Adviser
Andy Panayi CeMAP
Your Independent Mortgage Adviser
Access Financial Services
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Our specialists have years of experience, so no matter what your goal, we have the skills and expertise to make it happen.
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Protection advice

ProtectionLife insurance can pay your dependents money as a lump sum or as regular payments if you die.

It’s designed to provide you with the reassurance that your dependents will be looked after if you’re no longer there to provide.

The amount of money paid out depends on the level of cover you buy. You decide how it is paid out and whether it will cover specific payments, such as mortgage or rent.

You can’t rely on the government to take care of your family – the money they would get from the state is much lower than you’d probably expect.

If you want to provide for your family financially if you die, think about getting life insurance.

See the life protection covers below we can help you with.

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Life / Critical Illness
Cover that is there to help in even the most unexpected circumstances.

Although it isn’t nice to think about, it is important to think about cover for any severe illnesses or death that could have an impact on your loved ones.

Critical illness insurance will provide a one-off, tax-free lump sum in the face of a serious medical situation, which can be used to cover finances while the individual cannot work to pay for treatment, arrange for any required care, to modify your home and even to pay your mortgage.
Different policies will cover a variety of conditions and ailments – while before the majority of policies only covered heart conditions and strokes, a variety of others such as Parkinsons, deafness, blindness and MS are now included in critical illness insurance policies. They will not however cover existing medical conditions.

The cost of your cover will depend on a number of factors; your age, existing health conditions and your employment. We will take all of these into consideration when evaluating your critical illness policy.

This is a basic introduction to critical illness insurance, but don’t worry – our specialist financial advisors will read all the small print and use our strong relationships with leading banks in order to find the perfect policy for you and your family, ensuring your future is secure even in the most challenging circumstances.

Family Income Benefit
Provide for the most important people in your life.

Family income benefit is the most ideal solution to difficult circumstances - if one partner in a household dies and there is a loss of their salary, for example. Taking out this policy allows you to prepare for the worst as it provides regular payments over an agreed period of time in the form of an annual income to provide stability and security in times when it is most sorely needed.

Payments are fixed and tax-free to make the process as stress-free as possible. Many policies will also allow you to exchange the total policy for one lump cash sum, should it be required.

When choosing your family income benefit policy, Access Financial Services will leave no stone unturned, utilising our strong connections with top banks to find your perfect agreement length and payment amount. We will be mindful of any potential periods where you could experience a fall in income, future patterns of inflation and how many dependents you have.

We will explain each of your options in simple, easily understood language to ensure you are equipped with the proper tools to make your decision with the ones you love the most. Plus, our customer service helpline means we are always at the end of the phone to provide extra support during the process.

Income Protection
Choose one of our income protection policies to ensure you are always prepared for the unexpected.

Income protection policies are designed to provide tax-free financial support if you ever find yourself in a situation where you need to take extended time off work because of illness or injury, to ensure you are financially stable while you focus on what really matters.

Every policy is different and will cover different conditions and levels of health. The cost will depend on your job, age, the percentage of your income that you will need covered and your current health. The length of time it takes to claim your policy can be determined by the amount you pay each month. Once everything is in place, you can claim as often as you need to and your coverage will last either until you start working again, or until retirement.

It is clear that there is a lot to think about when debating if you should get income protection insurance – can you afford to keep up your household if you fall ill and can’t work? What level of cover can you comfortably afford? Will your savings or sick pay adequately provide for your loved ones?

These are not issues you need to worry about. At Access Financial Services, our experienced advisors will ask all the questions to get a detailed understanding of exactly what you need from your coverage in order to provide accurate, personalised advice to cover your next steps. Plus, our dedicated customer hotline means someone is always at the end of the phone to address any issues you might have.

Whole of Life
Secure a bright future for your loved ones, even when you can’t be there to see it.

Whole of Life insurance is a policy that is guaranteed to pay out to your loved ones after you pass away, as a means of ensuring they are both financially secure and also able to manage any commitments you leave behind. This is lifelong protection that can make a difficult time that little bit less stressful.

You can choose different plans depending on how you would like to pay your premiums. You can make payments up until the day you die, for a set period of time, or as a one-off sum. Your money can also be used as investments, which could create a higher return in the future.
There are a number of factors to consider with whole of life insurance – how many dependants will you have? Will there still be mortgage payments due after your death? How much of an inheritance would you be leaving behind?

As it involves a guaranteed financial payout, whole of life policies can be a little more expensive than regular life insurance, so it can be tricky to figure out which option best suits your needs. The cost of your premium can also vary depending on your age, health – even your smoking habits come into play.

Our financial experts will get all the information they need from you to properly determine if a whole of life insurance policy is the right choice for you and your family. We know that insurance can be confusing, so we will explain your options without financial jargon so you are fully informed to make the best decision.

Private Medical Insurance
Have peace of mind for you and the ones who matter the most.

Private medical insurance, in simple terms, is a policy where regular payments can be used to cover any medical treatment you may need in the future, whenever and wherever you need it – including that potentially life-saving quicker diagnosis.

Private medical insurance helps you forgo long waiting times for appointments, treatment and operations, saving you from discomfort and prolonged illness or injury. Hospital facilities are generally better with private health care, meaning you will be comfortable during a challenging time. In many cases, you will also have a choice around the time, date and place of any appointments, meaning your treatment or check-ups can fit around your life. Private medical insurance gives you not only peace of mind, but also a level of control over your health.

Another benefit is that policies don’t need to be fixed – you can increase or decrease your cover and premium depending on your needs.
However, it is important to remember that not everything will be covered by private medical insurance – visits to Accident & Emergency, cosmetic surgery and even pregnancy generally aren’t covered. Plus, some lower-cost policies won’t cover existing medical conditions immediately.

Deciding on your private medical insurance can depend on a variety of factors. Needing family cover rather than individual policy, cover for travelling abroad and even your age can contribute to higher premiums. This can be worth it for the knowledge that if anything were to happen, both you and your family would have any necessary treatment covered.

It is clear that there is a lot to consider with private health insurance. At Access Financial Services, our years of experience will help you to make the right decision with detailed information, the best prices on the market and a customer hotline you can call at any time for extra information.

Business Protection
Ensure that both you and your staff can remain afloat, even in the most challenging circumstances

Business protection insurance will pay out a pre-agreed sum of money for your company should one of the key members of the organisation either die or become seriously ill. It is a key way of protecting against the unexpected and reassuring your staff that you truly care about them in the long-term.

No matter what the size of your company, business protection insurance can be crucial to continuing success should you need to carry on without a fundamental partner. There are a number of different policy options; some covering a key individual, life cover for your staff or to financially secure the business for the future.

You can choose the level of coverage, how long the policy will last and how you want payment to be distributed – either in annual arrears or a one off tax-free lump sum. A variety of factors will contribute to the cost of your cover – the age of key people, the number of employees and the size of business.

If there is one thing we can all agree on it is this; the most important part of any business is its people. Our business protection insurance policies allow you to protect the people who deserve it most. Our financial experts have years of experience helping companies find the best-value option for their needs, and will take considerable time asking all the right questions to ensure they can find a variety of policies to discuss with you.


For free and friendly advice call Andy today on 07834 184 525