Newly published research suggests non-traditional households are far less likely to have life insurance.
The figures, prepared for Sainsbury's from government data, show that 58% of married heterosexual couples with children have life insurance or critical illness cover. That compares with 50% for heterosexual married couples as a whole (including those without children), 42% for single parent families, and 39% for same-sex couples.
When it comes to just life insurance, the figures are 37% for married heterosexual couples with children, 32% for single parent families, 31% for unmarried heterosexual couples with children, and 23% for same-sex couples.
The figures are striking given that the proportion of families not in the "husband, wife and kids" model has risen significantly in recent years.
Insurance experts noted that sexual orientation and marriage shouldn't make any difference to a person's need for life insurance. What counts is whether or not their death (or health with critical illness cover) would leave other family members in financial difficulties, particularly in covering rent or mortgage repayments.