Safety fears drive protection

Recent research suggests that growing concerns around safety and global instability are encouraging more people to consider protection insurance as a financial safety net.

What is the changing sense of security?

Research suggests many people feel more vulnerable and uncertain than they did a decade ago. Ongoing geopolitical tensions and concerns around global terrorism are continuing to shape public attitudes towards personal and financial security.

The research also found women are more likely to feel uneasy about their personal safety today, with 52% saying they feel more uncertain than they did 10 years ago, compared with 38% of men. Everyday activities are also increasingly contributing to feelings of unease. Research found that 54% of fearful adults no longer feel safe in crowded places, while concerns around travelling abroad and attending large, organised events have also risen sharply in recent months.

Travelling alone remains a particularly significant concern for women, with 61% saying they feel less safe doing so, compared with 32% of men.

Younger adults are also becoming more aware of the importance of financial protection, with many recognising the pressure that illness, injury or loss of income could place on their households.

Why does protection matter?

Protection insurance can provide financial support if illness, injury or death affects your ability to earn an income. Depending on the policy, this support can come as a lump sum or regular monthly payments.

For many homeowners and families, protection offers reassurance that mortgage payments, bills and everyday living costs could still be managed during difficult periods. In uncertain times, this financial safety net can provide valuable peace of mind.

Common forms of protection include life insurance, critical illness cover and income protection insurance. Some policies are designed to help cover mortgage repayments and essential household costs, while others provide support following serious illness or long-term absence from work.

As concerns around financial resilience continue to rise, research also suggests more households are taking practical steps to improve their financial security. Four in 10 fearful adults said they had become more interested in protection insurance products during March 2026.

The value of professional advice

Many people assume protection insurance is too expensive or complicated, but policies can be tailored to suit different budgets and needs.

At Stonebridge, we can help you understand your options and ensure you have appropriate cover in place.

As with all insurance policies, conditions and exclusions will apply. Your home may be repossessed if you do not keep up repayments on your mortgage.

Source: https://nationalfriendly.co.uk/adviser/bruised-britain/