Why the protection gap is a problem of reach

 The UK's protection gap is not a product problem. The products already exist, and for many families the case for cover is compelling. The real challenge is reach. Households most vulnerable to losing an income are often the least likely to have a meaningful conversation about protection. Single-income families, self-employed workers, those employed in hospitality or care, and people without employer benefits face significant financial risks if illness or injury stops them working. Yet these are often the communities the protection industry struggles to engage. I have seen thi...