02/09/2026
I hear the same reasons all the time. Too young. Too healthy. Already sorted through work. I understand why people think that way, but the numbers usually tell a different story.
Here's what tends to catch people off guard.
83% of UK adults have no personal critical illness cover. Not a smaller policy than they'd like. None at all. For most people, there's simply nothing in place if their health changes.
A lot of us assume work or the state would step in. Statutory sick pay is £97 a week. That's it. For most households, that doesn't come close to covering the mortgage, the bills and everything else that keeps ticking along.
Then there's the timing. On average, savings run out after just 3.7 weeks off work. Not months. Weeks. That's how little breathing room most people actually have when something goes wrong.
The part I always find telling is the cost. Basic income protection can start from around £20 a month. Less than plenty of things we spend on without a second thought. Yet most people have never even been quoted for it.
None of this is about worrying you. It's about knowing where you stand.
If any of these figures made you pause, I'm always happy to have a no-obligation chat about your cover. No pressure, no jargon. Just drop me a message and we'll talk it through.
