Do I need life insurance? Check you have the right protection with our handy guide

ARE you weighing up whether you need life insurance?

Millions of cash-strapped Brits are going without, but experts warn this could be leaving their loved ones facing huge hardship in the event that the worst happens.

Only around a third of people in their 30s have enough life cover, according to wealth firm Hargreaves Lansdown.

While that rises to 47% of those in their late 40s, that still leaves a huge gap.