John Downes investigates the challenges around underwriting those with a history of poor mental health
When it comes to mental health, insurers are often known for their lack of sensitivity. The underwriting process can exhibit prejudice towards those with a past experience of a mental health condition of any level. They overstate the risks and focus on, for example, the potential for suicide, regardless of how preposterous a notion this may be for the vast majority. As an industry, we all need to accept the criticisms levelled against us and find ways to improve customer outcomes. Yet, at the...
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