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Unum warns too many people believe illness won&#39t happen to them

UK families are convinced they will not be affected by long-term illness, according to a survey from health insurance provider Unum.

The survey says 70 per cent of the working population believe there is no chance they will ever be struck down by an illness or accident that prevents them from working for three months.

However, the reality is that one in five UK workers will be forced to take time off work due to illness or injury. Only 6 per cent of respondents thought the risk could be that high.

But respondents concede their lifestyles would suffer if the main breadwinner in the family fell ill for longer than three months.

Unum says these findings are worrying and people need to be made aware of the chance that someone in their family will be affected by long-term illness.

The company says it is disappointed at the lack of understanding about the issue as public perception has not changed since its last survey in 1997.

Unum says it faces a difficult task convincing the public and IFAs about the need for protection products.

Marketing director Eugene McCormack says: “It is worrying to see that the gap between perception and reality has widened over the past three years.”

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