For many Millennials and Gen Z homeowners, buying a property is a major milestone – but protecting the income that supports it is often overlooked.
New insights from CIExpert’s Critical Thinking 2026 report suggest that younger homeowners are not only more aware of this risk, but are also increasingly open to smarter, more comprehensive income protection and critical illness cover solutions.
The research shows that over half of Millennials (55%) and Gen Z (54%) would consider paying more for protection policies that go beyond the basics.
Features such as advanced cancer support, personalised treatment plans, and access to specialist care (sometimes even overseas) are becoming key decision drivers.
This reflects a shift towards what is often referred to as next-generation protection.
Your mortgage is likely your largest financial commitment, yet only a small proportion of people fully understand how long their income would last if they were unable to work.
The reality is that employer sick pay is often limited, and without a backup plan, maintaining mortgage repayments could quickly become a challenge.
There’s also a growing appreciation for the added value services included within comprehensive policies.
Benefits such as rehabilitation support, physiotherapy, and annual health checks are all options you can take advantage of as part of a modern income protection insurance plan.
Protection is evolving, and so are the options available.
Whether you currently have no cover or something that hasn’t been reviewed in years, now is a good time to reassess your personal protection and insurance.
The right policy today isn’t just about covering the worst-case scenario – it’s about giving you access to support better treatment and helping to protect your financial future.
Get in touch if you’d like to discuss the options available to you, or review your current cover.
To find out more about mortgages, personal insurance, business insurance and protection or to discuss the options available for your circumstances, contact our team of advisors
