COVER Protection and Health Summit 2025: Morning roundup

Insurers "need to innovate better" on long-term care

Jaskeet Briah
clock • 4 min read

Today (11 November, 2025), COVER hosted its annual Protection and Health Summit, this year focusing on elevating adviser insight.

Rose St Louis, board member, Insurance United Against Dementia (IUAD), kicked off the day with a keynote session highlighting the realities of dementia and long-term care. She noted that one in four over-55s fear they cannot afford later-life care, with the average person paying £1,6609 for care homes. In her keynote speech, St Louis highlighted that insurers and advisers need to come together to create ecosystems of expertise, offering clients and their families well-rounded support, adding that "insurers need to innovate better" and "reinsurers need to lean into that". Next up, dele...

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