Life-threatening experiences have hit two in five while the average person has cheated death at least once, MetLife has reported.
The insurer's research showed 39% of adults have nearly died in accidents. The biggest risks are faced on the roads, MetLife has said, with one in 10 coming close to death in their homes.
Stephanie Baillie, employee benefits director of MetLife UK, said: "Risk is something we all live with day to day and life-threatening experiences are unfortunately relatively common.
"It is reassuring to know that in many cases people survive them. Sadly it is not always the case and insurance cover that protects against life's uncertainties is absolutely essential and valuable if it is part of a well-designed employee benefits package."
MetLife has product launches planned to rollout next year.
