Debbie Kennedy: Will Covid-19 be the death of underwriting?

Covid-19 and its impact on the protection market has faded away as being one of our top risks, but should we be ready now for the indirect impacts of the pandemic on how we underwrite? We have shifted into a reluctant acceptance of the difficulties of securing face-to-face GP appointments, the multi-year waiting lists, and the inevitability of more undiagnosed conditions. As a protection industry our underwriting has long been the envy of other markets due, in part, to our access to cradle-to-grave patient medical histories - the gold standard of evidence, the GP report (GPR). Over...