Independent protection advice for UK customers +447867475441 | damilola.aremo@accessfs.co.uk
UK-focused independent protection advice

Protect your income, family and mortgage with clear advice.

We help UK customers compare income protection, critical illness cover and life cover so they can choose protection that fits their budget, circumstances and long-term goals.

IndependentAdvice tailored to your needs
Whole-family focusMortgage, children and dependants
UK customersAdvice for employed and self-employed clients

Protection advice for real UK life events

Whether you are buying a home, starting a family, becoming self-employed or reviewing existing policies, we explain the options in plain English.

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Income Protection

Designed to pay a regular income if illness or injury stops you from working, helping you keep up with bills, rent, mortgage payments and everyday living costs.

  • Helpful for employed and self-employed workers
  • Choose deferred periods and benefit levels
  • Review existing employer sick pay first
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Critical Illness Cover

Designed to pay a lump sum if you are diagnosed with a covered serious illness, giving you flexibility to reduce debt, adapt your home or take time to recover.

  • Can support mortgage and family costs
  • Policy definitions vary by provider
  • Can be combined with life cover
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Life Cover

Designed to pay a lump sum if you die during the policy term, helping loved ones cover the mortgage, household bills, childcare or future plans.

  • Level, decreasing or family income options
  • Useful for homeowners and parents
  • Can be written in trust where suitable

A simple advice process built for conversion

Independent Protection Advisor specialising in Income Protection, Critical Illness Cover and Life Insurance for individuals, families and professionals across the UK. We help you safeguard your income, home and loved ones with clear, personalised advice tailored to your financial situation, lifestyle and long‑term goals.

Discovery call
We understand your income, dependants, mortgage and existing benefits.
Research and recommendation
We compare suitable options and explain the pros, cons and costs.
Application support
We help you through underwriting, medical questions and policy setup.
Ongoing review
We revisit your cover after major life changes so it remains relevant.

Quick cover needs estimator

Use this simple guide to start a conversation. It is not financial advice.

Enter your details and click calculate.

Customer reviews

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Leave a review

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β€œClear, friendly advice and no pressure. I finally understood the difference between income protection and critical illness cover.”

Sarah, homeowner
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β€œAs a self-employed customer, I wanted to know what would happen if I could not work. The review was practical and easy to follow.”

James, self-employed consultant
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β€œWe reviewed our life cover after having our first child. The recommendation matched our budget and gave us peace of mind.”

Amira, parent

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Frequently asked questions

Useful SEO content for UK customers searching for protection advice.

Possibly. Employer sick pay can be valuable, but it may only last for a limited time. An adviser can help you compare your sick pay, savings and monthly commitments.
No. Critical illness cover is usually designed to pay a lump sum after diagnosis of a covered condition. Income protection is usually designed to pay a regular income if illness or injury stops you working.
This depends on your mortgage, debts, dependants, childcare costs, income, savings and future goals. A review can help you decide a suitable level and term.