PIianify your future and think of tomorrow with a little more of serenity, perhaps even by signing insurance. Italians become increasingly aware of the need to protect what they have more expensive: this is what emerges from An analysis conducted by Ipsos on behalf of the National Association of Insurance Firms (Ania). To change the attitude of the Italians were the pandemic emergency before and the geopolitical tensions subsequently, which brought and made a feeling of uncertainty and instability root, so much so that nine out of ten Italians believe they are vulnerable and more exposed to risk. There are four areas on which concern is concentrated: health, family, income and pension.
More generally, there is a lot of apprehension for your economic future. To highlight this data is another research, The silver age between well -being and precariousnesspresented during the month of June 2025 always by Ipsos during the annual public assembly of the Foundation for Financial Education and Savings (Feduf). The population continues to age and the over 65 begin to constitute an increasingly broad slice of the population: it is necessary to start wondering what the relationships between well -being, dignity and money must be gradually advancing over the years. To be able to maintain autonomy, good health and high quality level of life, it is necessary to have money available.
In this slightly wider context, financial education is inserted: 51% of Italians believe they are adequately prepared, while 24% admit they know as soon as the basic concepts of finance. Only 19% admitted to being an expert.
Financial education and increasingly older population. We have seen that the population is aging: when it comes to financial education and protection of their savings, it is important to underline that not all the elderly are the same. Each of them has different priorities and their needs. It is certain Andrea Alemanno, financial research manager Ipsoswhich underlines how important it is, when it has reached a certain age, to keep a little liquidity available, while a part of your savings should be invested.
“There is, however, an univocal strategy” – explains Alemanno – “that is worth for all people. Each project must be customized: it is undoubtedly important to diversify the tools and avoid putting them all inside the same basket. And above all choose tools that are able to defend their savings from inflation. “
On the insurance coverage front remains a rock to overcome. “There is still a legacy that comes from the past and that sees the Italians insured only in the face of an obligation, as happens for the civil liability of cars,” he explains Massimiliano from the way, CEO and General Manager Intesa Sanpaolo Protection, “an always present constant is the use of the car
Insurance: it draws on its savings to face the various risks. But personal funds are not always sufficient, especially in the light of how the economy has been moving lately ».
The Italians continue to have the habit of accumulating resources, but, according to Alemanno, “there is a risk of overestimating the funds that are available: insurance are able to cover a wide range of risk”. But the savings begin to be no longer sufficient and it is not always said that they manage to protect from the various dangers to which we meet: the economic uncertainty we are going through has changed the certainties that had been so far.
The Italians seem to remain to sign insurance. “The fear of many people is that the damage is not liquidated” – explains Alemanno – “too large and generic products are not considered reliable. In this context, the role of the insurer becomes fundamental, who with his advice must be able to conquer the trust of customers “.
Health protection. Many people today give up to heal themselves due to the long waiting lists of the public sector and do not receive suitable assistance when they are no longer self -sufficient. «Adequate policies can be supported by the public sector. The long queues that public health obliges to bear are no longer acceptable. Private insurance can undoubtedly intervene, but it is necessary that it has been signed in time. And above all, it is important to have a long -term look: the elderly person must ensure in time, to prevent the problems that run the risk of meeting “, continues Alemanno.
Financial education is undoubtedly a mustwhen you want to protect your health and income. “It is necessary to make it clear that protection must be a choice, not an obligation,” he says from the street. «Once the family was a fundamental element, capable of helping in the moment of need. Today the children are far away for work and are not always able to run to the rescue of the parents in the moment of need ». This is the reason why “it is important to start building an adequate path to be able to face all life conditions, supporting what makes the private individual available with what was offered by the public”.
How to defend your standard of living. In addition to health, the Italians are concerned about his life tenor, destined to contract once they retire. From the street he explains that “to protect your standard of living it is important to start building your social security future since young. With little it is possible to start to guarantee certain economic security also in old age. Also choosing the products suitable for the different situations of one’s life ».
One of the solution to avoid seeing your income too much, according to Alemanno, is that “to build a second pillar of the pension. It is necessary to start integrating it since young. Pension is a problem that many people have removed and that, above all, is delegated to politics, thinking that it is limited only to the moment when you have to leave the world of work in advance. But in reality it is an economic problem, which involves the everyday life of families ».
Important topic is certainly that linked to advice, because from a certain point of view it is very well to inquire about the internet, “but it is important to deal with a prepared consultant, which is able to recommend the most suitable product for customer needs. Inquiring and documenting yourself on the web is essential not to get completely unprepared “, but – according to the way -” the consultant has an important role, which is able to accompany the most appropriate way “. Also because you are definitely going towards the customization of the products, which will have to adapt more and more to the needs of individual customers. Financial preparation and good advice are the optimal tools for making the right choice.
Pier Paolo Molinengo
