Mortgage related protection sales - victim of cost of living crisis?

Cash strapped borrowers will inevitably look to cut out insurances they deem as unnecessary. An adviser's role is to ensure that informed decisions are being made, and that the importance of having affordable insurance cover to cover the unknown is not swept aside without understanding the risks. The economy is in a shambles and finances are tight for most people, but imagine how much more difficult it would be in the event of a death, critical illness, serious accident or injury? When budgets are tight, making sure the recommendation presented is truly affordable is key to it being sustainable. If not, the client will just cancel the policy a few months later to save money.