Women with full-time jobs are making the main financial decisions at home.
Scottish Provident's Women and Protection report discovered that 57 per cent of ladies combine nine-to-five roles with looking after the household finances.
This represents an increase on the 47 per cent who said they did so 12 months ago and highlights how females are not afraid to multi-task when it comes to money.
Jennifer Gilchrist, senior product development manager at Scottish Provident, said: "Women are increasingly assuming financial responsibility in the home both for making money and making financial decisions."
Despite the fact that so many females are assuming control of family finances, 84 per cent who are in full-time employment do not have a critical illness policy in place.
Some 57 per cent of those women said the primary reason was the expense associated with the policy.
However, Ms Gilchrist said that when it comes to safeguarding the future of a family, cost should not be the major consideration.
She added women could be left facing financial hardship if they are unable to work and do not have a critical illness policy.