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The £10-a-Month Mistake Most Parents Don't Know They're Making
Cynthia Fowler
Last Updated Feb 9th, 2025
3 min read
1 in 3 UK Parents Are Leaving Their Families Unprotected Without Even Realizing It
Most parents want to give their kids the best life possible. They work hard, cover the bills, and try to save for the future. But there’s one big mistake many parents make—one that could leave their family in financial ruin if something unexpected happens.
And the worst part?
It’s completely avoidable.
A recent Which.co.uk survey found that 1 in 3 UK parents with dependents don’t have life insurance—meaning their families could struggle to afford everyday essentials like rent, mortgage payments, childcare, and groceries if the unthinkable happens.
Many parents assume life insurance is expensive, complicated, or something they’ll “get around to later.” But they don’t realize they could get up to £300x,000 in coverage for as little as £10/month.
✅ How would your family cover rent, food, and bills without your income?
✅ Did you know you could get £300,000 in coverage for under £10/month?
Why So Many Parents Make This Mistake
Life is busy. Between juggling work, kids, and bills, sorting out life insurance just never seems urgent—until it’s too late.
Most parents don’t think anything will happen to them, but the reality is sobering:
➡ 1 in 29 children in the UK will lose a parent before they turn 18.
➡ More than 50% of UK families live pay check to paycheck, meaning a sudden loss of income could be devastating.
Yet many parents still put off getting covered because of these three misconceptions:
1️⃣ “It’s too expensive.” Many assume life insurance costs £50+ a month, but plans can start at less than £10. That’s less than a Netflix subscription.
2️⃣ “I’m young and healthy—I don’t need it yet.” The truth? The younger you are, the cheaper your coverage. Waiting just a few years can make premiums twice as expensive.
3️⃣ “I’ll save up instead.” Even if you saved £100 a month, it would take 25 years to put aside £300,000. With life insurance, your family could have that protection immediately.
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How This Mum of Two Found Out She Could Get Covered for Less Than She Thought
Sarah, a 34-year-old mum of two, always assumed life insurance would be too expensive. With bills piling up, she didn’t think she could afford an extra cost.
But after seeing how quick and easy it was to check her options online, she was surprised. She found out she could get £300,000 in coverage for under £10/month—less than she spends on takeaway coffee.
“I couldn’t believe it. I thought I’d have to pay £50+ a month, but it was so much more affordable than I expected. Now I have peace of mind knowing my kids will be taken care of.”
(This is a fictional example for illustrative purposes.)
“I couldn’t believe it. I thought I’d have to pay £50+ a month, but it was so much more affordable than I expected. Now I have peace of mind knowing my kids will be taken care of.”
✅ How would your family cover rent, food, and bills without your income?
✅ Did you know you could get £300,000 in coverage for under £10/month?
It Takes 60 Seconds to See Your Options
Don’t put this off another day. Click below to see how much coverage you can get for your family.