How much life insurance do I actually need?

A common starting point is enough to clear the mortgage and replace a portion of your lost income until your youngest child is independent. We'll model your real numbers — not a rule of thumb — before quoting anything.

What's the difference between critical illness and income protection?

Critical illness pays a lump sum on diagnosis of a defined condition; income protection pays a monthly income if you can't work due to illness or injury. Most households need a blend of both.

Will pre-existing conditions stop me getting cover?

Not necessarily. We know which insurers underwrite which conditions more sympathetically and can pre-screen before a full application is submitted.

Do you arrange business protection too?

Yes — keyperson, shareholder protection and relevant life policies for directors and partners across Kent.

Local protection advice

Life Insurance & Protection Advice in Gillingham

Life insurance, critical illness cover, income protection and family income benefit — researched across an extensive panel of providers and arranged by an FCA-regulated adviser in Gillingham, Kent.

Your local advisers

Hassan Oni-Orisan
Gillingham, Kent
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Protection Advice Across Gillingham and the Medway Towns

Gillingham sits at the centre of Medway's working population, and protection planning here reflects that. Across ME7 and ME8 — from the terraced streets near the town centre and Brompton out to the family housing at Rainham, Wigmore and Hempstead — households typically earn steadily but hold a smaller asset cushion than the North Kent commuter towns, so an interrupted income is felt within weeks rather than months.

Employment is weighted towards Medway Maritime Hospital, the colleges and universities at Chatham Maritime, local authority roles, logistics along the M2 corridor, and a large commuting population using Gillingham station into London Victoria and St Pancras. Shift work, overtime and bank shifts make take-home pay uneven, and those elements often fall outside occupational sick pay — which is exactly why cover sized on basic salary alone tends to fall short.

Income Protection Around Shift Work and Uneven Pay

Income protection benefit is sized on realistic take-home pay rather than a peak or a basic figure, and the deferred period is set to pick up where employer sick pay steps down. NHS and public-sector schemes taper on a defined timetable, so matching the two avoids paying for cover that overlaps or leaving a gap in the middle.

Statutory Sick Pay — paid from the first full day of absence at a capped weekly rate for a limited period — is well short of a Medway mortgage and household bills. For self-employed clients across Medway there is no statutory cover at all, which usually points to a shorter deferred period.

Life and Critical Illness Cover for Medway Families in Gillingham

For homeowners on a repayment mortgage, decreasing-term life cover follows the balance down and is generally the most cost-effective route to making sure the home is paid off. Where children are still years from independence, level-term cover or family income benefit often works better because it funds living costs rather than only clearing the loan.

Critical illness cover is compared across a broad panel of insurers, because condition lists and definitions differ materially between providers. Existing plans are reviewed for price, suitability and trust arrangements — cover set up on a first flat rarely still matches a family home. Appointments are available in person across Gillingham, Rainham and the Medway towns, or by phone and video, whichever is easier around shift patterns.

Whether you need life insurance in Gillingham, critical illness in Gillingham or income protection in Gillingham, our protection advisers can talk it through with you in Gillingham. We also advise clients as protection advisers in Ashford, Aylesford and Canterbury.

Trusts are not regulated by the Financial Conduct Authority.

Specialisms

Protection cover we arrange in Gillingham

Private Medical Insurance is a referral solution to a specialist adviser.

Common questions

Protection advice in Gillingham — FAQs

How much life insurance do I actually need?: A common starting point is enough to clear the mortgage and replace a portion of your lost income until your youngest child is independent. We'll model your real numbers — not a rule of thumb — before quoting anything.
What's the difference between critical illness and income protection?: Critical illness pays a lump sum on diagnosis of a defined condition; income protection pays a monthly income if you can't work due to illness or injury. Most households need a blend of both.
Will pre-existing conditions stop me getting cover?: Not necessarily. We know which insurers underwrite which conditions more sympathetically and can pre-screen before a full application is submitted.
Do you arrange business protection too?: Yes — keyperson, shareholder protection and relevant life policies for directors and partners across Kent.

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