According to the FCA’s Pure Protection Market Study Interim Report, published in January, 58% of UK adults hold no protection product and 72% of protection needs remain unmet, while more than 80% of sales still go through intermediaries. Against that backdrop, more than half of adults effectively have no financial safety net if they die or fall seriously ill. Certua Life argued this is not due to a lack of need but to distribution models that were “never built to reach them”, relying heavily on advice‑led channels that many consumers never access.
