Income protection is one of the most useful insurance products you can purchase but take-up is low in the UK.

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Almost three-quarters (72%) of advisers believe there is a growing threat people will not have enough life insurance and critical illness cover as fewer intermediaries are selling it, research suggests.

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IFAs believe there is a growing threat of people not having life insurance and critical illness cover because fewer intermediaries are selling it.

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Many of us realise that we should have life insurance, yet far too few actually take the plunge and invest in a policy. This could be a big mistake, as failing to have sufficient protection could put your family's finances in jeopardy should the worse happen.

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Employee benefits packages have been scaled back over recent years, leaving many workers without proper critical illness protection, an insurance adviser has suggested.

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Advisers say family protection is important
According to warnings from advisers, it is possible for families to be at risk if proper income protection is not provided.

8% fewer intermediaries selling life and CI cover
IFAs believe there is a growing threat of people not having life insurance and critical illness cover because fewer intermediaries are selling it.

More IFAs stop selling life insurance and critical illness cover
Nearly three quarters of IFAS believe there is a growing threat of people failing to have enough life insurance and critical illness cover because fewer intermediaries are selling it.