20th anniversary Q&A: Mark Graves

clock • 5 min read

Mark Graves, Managing Director, Sesame & PMS, discusses how professional standards have changed over the past 2 decades.

What for you has been the biggest protection/mortgage innovation over the past 20 years and why? A key factor for me has been the evolution of critical illness cover combined with improved underwriting criteria, which has enabled our industry to cover more people on standard rates. Twenty years ago the focus was on life insurance and what happens if people die, whereas now we have broadened our view significantly to support people through the financial consequences of serious ill health and recovery. That's the movement of change for me. Specifically distribution - where was it 20...

To continue reading this article...

Join COVER for free

  • Unlimited access to real-time news, key trend analysis and industry insights.
  • Stay on top of the latest developments around health and wellbeing, diversity and inclusion and the cost of living crisis.
  • Receive breaking news stories straight to your inbox in the daily newsletter.
  • Members only access to monthly programme 'The COVER Review'
  • Be the first to hear about our CPD accredited events and awards programmes.

Join now

 

Already a Cover member?

Login

More on Individual Protection

Females hit harder on mortgage payments: LifeSearch

Females hit harder on mortgage payments: LifeSearch

Around 55% had protection cover

Jaskeet Briah
clock 08 July 2025 • 2 min read
Young workers desire protection against job loss to AI

Young workers desire protection against job loss to AI

Gen Z most likely to purchase this cover

Jaskeet Briah
clock 04 July 2025 • 1 min read
Parents at financial risk due to childcare

Parents at financial risk due to childcare

MetLife research findings

Jaskeet Briah
clock 01 July 2025 • 1 min read