The average age of the population is getting older, which will likely change the type of protection people need in future. A report found that by 2050, 27% of people living in advanced economies will be over 65. As longevity increases, the demands placed on insurers - and on individuals - will evolve. Traditionally, protection products have focused on providing financial safety nets in the event of illness or death, often through income replacement. Longer lifespans mean cover may need to last longer and respond to more complex circumstances. People are working later, building assets over extended careers and supporting family members across multiple generations. There is also a growing need to consider later-life health risks and the potential cost of care. Protection is no longer just about replacing income for a limited period - it’s about safeguarding financial stability over decades. Regularly reviewing policies helps ensure cover remains appropriate as responsibilities, health and lifestyles change. As we live longer, protection must adapt - providing resilience, certainty and peace of mind for a longer, more unpredictable journey. As with all insurance policies, conditions and exclusions will apply. Sources: https://www.ftadviser.com/content/8284146a-0a97-4de6-8e8e-52eb26fe51df

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Research from Rightmove has identified the UK towns that recorded the strongest house price growth last year. The list was largely dominated by towns in Scotland and the north of England. Hawick in the Scottish Borders saw the biggest annual rise, with prices increasing by 18% in 2025. Durham followed with a 15% increase, while Stannington in Sheffield saw prices grow by 12%. Across the 50 locations with the fastest-growing house prices, the average property value was £270,711, 26% lower than the national average of £368,031. In fact, 43 of the 50 fastest-growing towns had prices below the national average. This emphasises the growing trend that more affordable areas are experiencing the strongest price growth. Your home may be repossessed if you do not keep up repayments on your mortgage. Sources: https://www.thisismoney.co.uk/money/mortgageshome/article-15501709/Rightmove-names-25-towns-saw-biggest-house-price-rises-2025.html

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Underinsurance is becoming an increasingly common problem for homeowners, making it more important than ever to check that your property is properly protected.