Underwriting post-Covid: What about a pandemic exclusion?

‘Why not introduce an element of common sense?’

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Daniel Sharpe-Szunko, managing director, iam financial
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Daniel Sharpe-Szunko, managing director, iam financial

There are still no public discussions around lifting underwriting limits for medical conditions, writes Daniel Sharpe-Szunko

Currently the same protection underwriting restrictions that were introduced in March 2020 are in place for almost all providers. Some providers have stricter limits than others, meaning that people wanting life cover with medical conditions have a greater challenge currently. Underwriting limits mean that there's less choice, more declines and it's not a fair representation of the market. Over the past 20 years while I've been working as a life insurance specialist for pre-existing conditions,...

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