20th anniversary Q&A: AIG Life's Vicky Churcher

clock • 5 min read

Fiona Murphy discusses how sales and marketing looked very different 20 years ago and how thumbprint ID could be the technology of the future for protection applications.

What for you has been the biggest protection innovation over the past 20 years and why? The biggest protection innovation for me was automation - online applications, online underwriting, signature-free applications and of course online signature free trusts. These were game changers and helped speed up and simplify how protection is bought and sold. Is there anything done well back in say 1997, that we have lost? And what has changed for the better? The CIC market is drastically different.  There were a lot less definitions in 1997 but the depth of cover was greater; the ABI st...

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

£1m paid out to Waddle Insurance customers

£1m paid out to Waddle Insurance customers

Average claim took 90 days to complete

Jaskeet Briah
clock 07 May 2026 • 2 min read
Over-85 population expected to double in next 25 years

Over-85 population expected to double in next 25 years

Number of pensionable age people to also grow

Jaskeet Briah
clock 28 April 2026 • 3 min read
Reassured partners with Farewill on will writing

Reassured partners with Farewill on will writing

Digital service to create a legally binding will

Jaskeet Briah
clock 28 April 2026 • 1 min read