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Since 2006 we have helped 342,312 people compare Protection Insurance quotes.
We would love to do the same for you...

Calling all women: are you paying adequate attention to your protection needs?

We are, these days, largely accustomed to demanding ever-greater equality in terms of how people are treated across the gender divide, and rightly so. Most of us in the 2020s, for instance, would probably not subscribe to the notion that a man has to be the main ‘breadwinner’ for a household.

But is this changed reality reflected in how significant numbers of us approach our requirements in relation to protection insurance?

Saddeningly, the answer to that question might well be “no”. So, we thought that for today’s blog post, we would draw attention for the benefit of our female readers to the importance of ensuring they have taken out the right type and amount of protection cover for them.

The data shows an epidemic of worryingly underinsured women

It’s probably easy to imagine that these days, women would generally be as well-protected as men when it comes to such products as critical illness cover and life insurance. But that’s not the story told by at least some key statistics.

Data recently disclosed by one insurance company, for example, indicate that the average amount of life insurance women take out is a whopping 53% below that purchased by men. And as far as critical illness insurance is concerned, the gap is even starker, with women typically having 90% less of this insurance than men do.

What is causing women to not purchase the level of insurance coverage they need?

One could come up with various theories for this, of course. But the simplest answer seems to be that while women’s situations in life have greatly evolved down the generations - it no longer being the ‘standard’ thing for women to stay at home looking after their children while the male in the household goes out to work - attitudes haven’t necessarily updated in line with this, or at least not to the extent we might imagine.

Some women may still leave it up to a male partner to take out the amount of protection insurance needed to protect the whole household, while others might simply be extremely busy ‘career women’ who haven’t stopped to think very much about their protection needs.

Whatever the situation, something needs to change - not least because the wider world has changed. We are now in a world, after all, in which significant numbers of women are business owners.

What’s worse, the tendency for many women to undervalue their financial contribution to their household - and therefore underinsure themselves - might risk being a particular issue in same-sex relationships. Both members of a couple being underinsured is even more concerning than just one of them not having an adequate amount of coverage.

Don’t wait any longer to get talking to experts about your protection needs

Whatever your gender, we recognise here at QuoteLifeCover.com that the world of protection insurance can be overwhelming, confusing, and/or tricky to navigate. It might be far from obvious to you, at least to begin with, what your needs from critical illness cover or income protection insurance - to cite just some of the types of protection insurance out there - actually are.

This is why it can be a great idea, when you get a few spare moments, to seek advice from an expert who will genuinely advise you in accordance with your requirements and what policies are out there, instead of acting like the off-putting ‘pushy salesperson’.

To help ensure people are provided with such help, we set up our no-obligation advice and quotation line here at QuoteLifeCover.com. To get started, simply call one of our UK advisers for free today, on 0800 316 6917.

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

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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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