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Since 2006 we have helped 339,594 people compare Protection Insurance quotes.
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Since 2006 we have helped 339,594 people compare Protection Insurance quotes.
We would love to do the same for you...

Customers ‘prioritising keeping protection policies over entertainment and luxuries’

Very few of us, it is fair to say, are ever happy to be in a position of being forced to cut back on our spending; nonetheless, it is a situation that more and more of us find ourselves in these days, amid the intensifying cost-of-living crisis.

You might have already had to make some very difficult decisions of your own on how you spend your income each month, including prioritising certain areas of expenditure over others.

So, with that in mind, what has your relationship with protection insurance been since the onset of the crisis? Have you had a policy that you then decided to cancel, or perhaps you have even taken out a new policy as one of your ‘essential’ elements of spending, to guard against the worst that could happen?

Here at QuoteLifeCover, we would always emphasise the huge importance of keeping hold of a protection insurance policy during straitened times like these, when it might otherwise be so tempting to cancel such a product. This is provided, of course, that the policy you have is well matched to your circumstances and needs.

It therefore heartened us recently to hear of the results of a survey that seemed to reveal a lot of people agreed with us on the considerable importance of protection insurance - such as critical illness cover, life insurance, or income protection insurance - at this tricky time.

What did the research discover about people’s attitudes to protection insurance?

As reported by Cover Magazine, a survey was carried out during March, quizzing 3,000 UK consumers. It found that a mere 4% of respondents would ditch their income/individual protection in order to save money, and that only 5% said they would be willing to sacrifice their private health insurance or life insurance if they had no choice but to make cutbacks.

This was in stark contrast to the research participants’ attitudes to more tangible everyday pleasures, such as eating out or buying coffees, which four in 10 of those questioned saying they would be prepared to do without.

37% of those polled, meanwhile, said they would forgo “luxury items” like household goods or furnishings, and more than a quarter (28%) signalled that they would cancel entertainment subscriptions such as Netflix.

So, what were the other things - besides protection insurance - that those forced to reduce their spending were most reluctant to let go? Well, only 4% said they would be willing to stop paying private school fees, and just 6% would sacrifice travel tickets. The same percentage, 6%, said the same about the prospect of giving up their phone contracts.

The overall picture is one of an adult population in the UK that would seem to have its priorities in the right place at this financially distressing time for so many people.

And with over eight million people across the country having already begun to cut down and cancel subscriptions and other luxuries in order to bring their spending into line with their budgets, it can’t be underestimated just how challenging a time this has been for considerable numbers of people.

Just one more thing...

Have you been considering taking out a protection insurance policy, such as income protection insurance, life insurance or critical illness cover - or even a combined policy - but are unsure where to start?

If so, feel free to call our free advice and quotation service today, on 0800 316 6917. Allow us to guide you through your options for protection cover to help ensure you only invest in the right product for your circumstances and needs.

And don’t forget that our service is no-obligation, so if you decide not to purchase any policy for which we provide you with a quote, that’s absolutely fine. Why wait any longer, then, to get in touch with our professional and friendly UK advisers?

Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.

Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.

Get Insured within 20 Minutes

It is possible to be protected with a life insurance or critical illness policy within 20 minutes provided the insurer does not require a GP report or medical.

A GP report or medical is normally required for large amounts of cover (over £400,000), or if your BMI is over 30, or you have any significant ongoing or past medical issues, or if you are involved in dangerous job or high risk hobby.

Calculate Your Cover

Find out how much cover you might need by using our simple online calculator. It will take into account your outstanding mortgage, any loans or credit cards, your monthly income and how many children you have.

Ultimately the right amount of cover is often a balance between what might be an ideal figure and what you can sensibly afford.

Calculate your cover here

Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.

Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.

Read What Our Customers Think of Us

Five Stars (4.9)

Great communication, help and guidance.

All my questions were answered, as I know little on how life cover, critical illness and terminal insurance policies work.

I was given good independent advise, so I could confidently make my choice on what was right for me.

- Denise

Clear, friendly, efficient and prompt service.

No nonsense, no jargon, just clear and informative guidance. Very quick with results which did not disappoint. Delighted with my deal which was a third cheaper than my own bank offered me and I didn’t do any of the legwork. More than happy to recommend.

- Ms Shannon

I found the customer service representative very polite and informative and helpful.

I wished some information on life insurance for a mortgage I have applied for.

All in all the process was very useful and informative and the representative was very helpful and polite. I would recommend this online service to anyone who is looking for life cover.

- Mrs Severn

Very good professional service.

I was impressed by the quality of service by the advisor who dealt with my request. He has carefully listened to my requirements, asked a few relevant questions and has provided me with the option which suited my needs in the best possible way. I have really admired his flexible approach and fantastic customer skills.

- Mrs Cookson

Professional and no-nonsense approach.

Very thorough yet friendly service. Good contact and information one can understand.

- Heather Cronley

A professional customer centric company with the client at the heart of the transaction.

The advisor put me at the heart of the transaction, was professional, gave realistic opinions and suggestions offering me choices in clear terms which I understood.

- Andrew Hughes

Outstanding service and knowledgeable customer service rep.

I received a call as promised in my email. Marie Bedding was very knowledgeable in her subject matter, she took some basic details and was very polite and courteous in her manner.

Marie was very sensitive when discussing personal circumstances and listened carefully and showed compassion to my details. Marie then said ‘leave it with me and ill get back to you’, within 20 minutes Marie was back on the phone with the quotes as promised and gave me a selection of options to chose from.

Marie did not pressure me with the ‘Hard Sell’, I needed time to discuss the options with my partner, Marie kindly emailed me all the details and left it in my hands to contact her once I had made a decision and if I would like to go ahead with the policy.

I cannot fault this service and the professionalism I received.

- N Marsden

Excellent Service.

Great service, easy to understand terminology. Everything explained and documented by adviser. Thank you.

- Glenda

The quotation service is provided by an FCA-authorised insurance specialist

Promoted Premiums for 35 year old male (non-smoker) on a 25 year term - September 2022*
Life Insurance: £5/month = £65,371 sum insured
Critical Illness Cover: £10/month = £27,546 sum insured
Combined Life & Critical Illness Cover: £10/month = £25,230 sum insured

 

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