Fewer people see protection as 'essential' purchase

Jones added: "We can see from the findings that for many, protecting their family is considered a luxury. We often find that people wait for a trigger, like buying a home, to get protected and instead will spend any disposable income left at the end of the month on more tangible items you can see and use immediately.

“However, we would firmly advise families put some shock absorbers in place to deal with the unexpected and avoid any hardship which could be caused as a result." 

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