Yet, with the state increasingly refusing to pick up the slack if people find themselves unable to meet their financial commitments and credit in less bountiful supply, protection has never been more important.
Digital technology has transformed almost every part of our lives and it is inconceivable it will not change the process of arranging protection business in the future.
This special report looks at how technology could help advisers speed up the process of obtaining a protection policy for their client and the work going on behind the scenes at providers.
The impact of the payment protection insurance mis-selling scandal is also explored, as advisers consider how to reassure their clients that protection will meet their needs when required.
This special report is sponsored by LV. All editorial is independent.