Everyday Risk Report 2025

Shining a light on everyday risks in the UK

 

Introducing the Everyday Risk Report

We all face risk every day, whether it’s something small or more serious. But how great is that risk? The Everyday Risk Report is our look at the scale of accidents and illnesses that happen to people every day.

It’s the only risk report to include independent data from a number of sources including the NHS and ONS, and also contains MetLife’s own commissioned research to giving you a clearer picture of the trends shaping protection needs in the UK.

So you can help your clients say yes to living life more confidently, with simple, affordable protection. 

What you’ll find inside the Everyday Risk Report

This year’s edition now includes stats on Child Risks and Active Lifestyle Risks, helping you better understand how these everyday challenges are affecting your clients. You’ll also find updated data showing how risk levels have increased or decreased since last year. 

As always, the report dives into: 

  • The scale of everyday accidents and illnesses which impact day-to-day life
  • Who’s most vulnerable
  • The financial consequences of these risks
  • How advisers can help clients find protection that fits their lifestyle, family needs, and budget 
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I send MetLife’s Everyday Risk Report to customers who have or have had a serious condition and are unlikely to get CIC or IP cover, or if their premiums are heavily loaded. I use the report to highlight everyday risks and then advise MultiProtect as a great alternative to underwritten cover. The report is a trigger for conversations as they would have been hospitalised before and therefore, the report has helped me to have this conversation.
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23 %

are worried about having to take off work due to an accident or illness  
(up 2% on 2024)

58 %

of people would have to dig into savings and tap into alternative financial support systems while in hospital

54 %

Over half of the UK’s adult population doesn’t have any form of protection cover 

The Everyday Risk Report fills a significant gap in the market by focusing on everyday risks. It's timely and aligns with the need for products that address these daily occurrences. The inclusion of relatable statistics makes it a practical tool for advisers to better understand and communicate these risks.

Our Products

EverydayProtect

EverydayProtect is low-cost, common sense cover - protecting your clients in case of the kinds of accidents, illnesses and hospital stays we discuss in our report. With optional add-ons for families and active lifestyles, it's a great way to give clients peace of mind every day.

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ChildShield

ChildShield is a unique and affordable, stand-alone protection policy, designed to cover your children in case of illness and accident such as if a child breaks a bone or they are hospitalised or suffer a serious condition.

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MortgageSafe 

MortgageSafe is our accessible, flexible, affordable policy, that protects mortgage repayments if your client has an accident or is ill and can’t work, so isn’t earning their usual income as a result.

Find out more

To download your copy of the Everyday Risk Report, leave your details below.

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