Santander Insurance had conducted a survey in Britain, looking for the chats people find the most difficult, according to a report revealed recently. Sex talks were found as fearing a large population in the nation.

As per the group, the three conversation topics that were mostly breaking out Brits in a cold sweat were first of all sex, followed by death and money. Though, the same may seem surprising to many. The truth indeed is that both the sexes find it difficult to discuss about sex with friends or partners.

While many people believe that women love to share things about their bedroom antics, it is being said that it is a perception, simply. Since, women are more conscious when it comes to a chat about the topic. Even their male counterparts exceed them, when talking about physical intimacy is considered.

On the other hand, some 22% of participants of the study found conversations regarding finance as painful and agonizing. Only one in 10 people said that they knew about their partner's financial affairs. Also, a third of all participants found death as a taboo topic, with these topics even worse than divorce or illness.

"Putting steps in place to prepare can certainly help if the worst was to happen", said a spokesman, Steve Burton.