I find that hard to believe!!!
(EDIT: PHEW!!! The majority are insured
Compare the Market’s figures found there were 8.1 million households with life insurance – which meant, with 11.1 million mortgaged properties in the UK, 2.97 million households were unprotected.
)
So, you (both) go to work to pay the mortgage. one of you will get cancer (statistically speaking, if born after 1960)
You can’t work, due to the chemo.
You don’t have insurance.
You lose your home 
Or, one of you dies, leaving the mortgage to just one person.
No insurance, no chance of one person paying it.
You lose your home🤯