Life insurance isn’t something most people talk about day to day. In fact, it’s often pushed right to the bottom of the list or never looked at at all.
But recent industry research suggests that more than half of UK adults don’t have life insurance in place and a further proportion aren’t even sure whether they’re covered. Figures published across the protection and mortgage industry, including research referenced by insurers and financial publications, consistently highlight a large gap between the number of people with financial commitments and the number with protection in place.
For many, this isn’t a deliberate decision. It’s simply something that’s never been revisited.
Why life insurance often gets overlooked
In our experience, people usually fall into one of a few categories:
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They assume life insurance is only relevant if you have children
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They think workplace benefits are enough
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They set something up years ago and haven’t looked at it since
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They’re unsure how it works and put it off
Life moves quickly, and protection is rarely front of mind… especially when nothing feels urgent.
What life insurance is really about
Life insurance isn’t about expecting the worst. At its simplest, it’s about protecting the people and commitments that rely on you financially.
That might include:
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A mortgage or shared rent
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Household bills
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A partner or family member who depends on your income
Without cover in place, those responsibilities don’t disappear if something unexpected happens.
It’s not just life insurance
For some people, life insurance is only part of the picture. Depending on circumstances, protection might also include:
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Income protection, if you’re unable to work
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Critical illness cover, if you’re diagnosed with a serious condition
The right approach looks different for everyone, which is why understanding your own position matters more than ticking a box.
A simple question worth asking
Whether you already have cover, think you might be covered, or have never looked into it before, one question is worth considering:
If your income stopped tomorrow, would things still be manageable?
If you’re not completely sure, that’s very common and it’s usually a good starting point.
How CMS can help
At City Mortgage Solutions, we help people understand what protection they have in place and whether it still suits their life today. We explain things clearly, without jargon or pressure and help you make informed decisions at your own pace.
Sometimes that means setting something up. Other times, it simply means reassurance that what’s already in place does the job.
Either way, clarity brings peace of mind.
Source: https://www.uk-lifeinsurance.com/blog/life-insurance-in-the-uk-index-2025/