Protection
The protection gap: why it matters
A report from LV cited in our original update found that 43% of UK workers had no form of protection in place, whether arranged personally or through an employer.
Holly DibdenMortgage Adviser · 21 August 2026
The important points
What to take from this update
- Workplace benefits may not cover every eventuality or continue after a job change.
- Life cover, critical illness cover and income protection do different jobs.
- The right starting point is your household commitments and existing cover.
HD Holly’s take
“Protection is not about buying every policy available. It is about identifying the financial pressure points in your household, checking what you already have and deciding which risks would be hardest to absorb.”
Is this relevant to your plans?
News is useful context, but it cannot account for your income, deposit, credit history, property or existing mortgage. If this update has raised a question, send Holly a quick message and explain what you are hoping to do.
Ask Holly on WhatsAppInformation correct at the date of publication and provided as a general guide only. Mortgage products, criteria and market conditions can change. This article does not constitute personal advice.