Scots are more likely to prioritise paying for internet connection and mobile phones than life or critical illness cover.

And despite one in five (20 per cent) Scots admitting their household would not be financially secure for any length of time if it lost its main income through unexpected circumstances, many continue to bury their head in the sand when it comes to having a financial backup plan.

Some 22 per cent of Scots could only afford to pay household bills for a maximum of three months if they or their partner were unable to work due to long-term illness, while 27 per cent could only make a maximum of three monthly mortgage payments

Eight in 10 Scots consider internet connection as essential while 69 per cent see a mobile phone as a necessity.

A new government household behaviour study? No. It’s another nagging press release from Scottish Widows.

It says our “apathy” is illustrated in protection take-up rates, as only 39 per cent of people have life insurance, and just one in ten (10 per cent) have taken out critical illness cover.

Is it any wonder, given the horrific miss-selling scandals of recent years?

Perhaps a more positive approach might help.

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