Protection
The real cost of delaying protection
It can be tempting to postpone life insurance or other protection when you are young, healthy and do not feel an immediate need for cover.
Holly DibdenMortgage Adviser · 24 July 2026
The important points
What to take from this update
- Age and health can affect the cost and availability of cover.
- Waiting leaves a period when the household may have no financial safety net.
- Cover should remain affordable and appropriate for your real priorities.
HD Holly’s take
“There is no benefit in frightening people into cover, but there is value in reviewing it before a health change or major life event narrows the options. A conversation can establish whether there is a genuine gap and what level of cover is realistic.”
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.