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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...

UK adults ‘often aren’t aware of financial protection products’

To say that the last few years have been very up-and-down ones in most of our lives would be quite the understatement. Whether it’s COVID-19, Brexit, or other sources of social or political tumult, we’ve all had a lot to think about in recent times.

That, in turn, is perhaps underlining the urgently important role that financial protection products, such as critical illness cover and income protection insurance, can play. But how many of us have even heard of these products, or know how each of them works?

The answer might be... surprisingly few of us, at least as far as recent research cited by the Financial Times newspaper’s FTAdviser website has discovered.

Almost a fifth of you have never heard of income protection

The study in question surveyed 2,000 UK adults in July 2021, exploring their knowledge and understanding of the various financial protection products on the market today. And it’s fair to say there were more than a few potentially concerning outcomes.

Nearly one in five of the poll’s respondents, for example, had never heard of income protection insurance, while a sixth (17%) of the research participants had never heard of mortgage payment cover protection. More-or-less the same proportion of people (16%) had no awareness of what critical illness cover was.

Even among those who had heard of such popular protection products, significant numbers of UK adults admitted that they did not understand what those products specifically offered.

18% of those quizzed, for instance, said they had heard of critical illness cover, but did not understand what coverage it provided. There was a similar percentage (20%) who stated the same about income protection insurance.

Does it really matter that a lot of people don’t know much about financial protection?

This is likely to be an interesting question for many of you. After all, you might imagine that you’re relatively unlikely to need to use such a product. There is also a misconception in some quarters that financial protection plans are always expensive, and that they don’t pay out when required, all of which is far from the truth.

The reality is, none of us can be entirely sure when we might find ourselves sustaining an injury or falling ill, which are circumstances when we may be very thankful for having the right financial protection policy in place.

Sure enough, the aforementioned study also found that one in six (16%) of those polled had previously needed a protection policy, but did not have one in place. And a whopping 73% of workers admitted that they had worried about being forced to take time off work due to an illness or injury since the onset of the pandemic; of these, 30% worried more than they previously did.

Never underestimate the invaluable help financial protection can provide

Peace of mind, we’re sure you will agree, is a more precious commodity than ever these days. But if you want to be sure of being well-protected - and have therefore decided to look out for a financial protection policy - you will also need to ensure you select the right one for your circumstances and requirements.

Here at QuoteLifeCover.com, we can help you to start making sense of this insurance market that can be so confusing or overwhelming for so many people, and to gain access to the best quotes.

Our partnerships with trusted specialist intermediaries can help bring you closer to the life insurance, critical illness cover, or income protection insurance that most suits your needs. So, why wait any longer to request your free quote?

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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