Why you should avoid protection procrastination Jan 05, 2026

People put off buying life insurance for a variety of reasons and they shouldn't.

Not only does life insurance give valuable peace of mind to families up and down the country, each year insurers pay out millions of pounds to families to help ease the financial strain caused by life’s unexpected events. Here are a few reason people often give for not taking this vital step.

It’s too expensive

Many people are surprised to learn that cover is far less expensive than they’d first thought. Plus, it’s a small price to pay when you consider that having no insurance would cost your family considerably more and could result in them struggling for money.

I’m fit and well

No one is immortal and buying protection policies when you’re in good health means you’ll find it easier to get a cost-efficient policy that meets your needs. If you leave it until you’re older and have health problems, your premiums will be higher.

I don’t have kids

If you don’t have kids but do have loved ones that depend on you financially – your spouse, partner, parent or sibling – then a payout from a policy would help to alleviate their financial burden at a difficult time.