PDG's underwriting challenges: What we would like to see on mental health questions

Achieving better consumer outcomes

clock • 3 min read

In part one of this two-part series, Alan Knowles, managing director of Cura Financial Services and board member of the Protection Distributors Group (PDG), explores the achievable improvements that can address important underwriting barriers, starting with mental health questions.

The pandemic sparked plenty of concern for both insurers and advisers, especially when it came to underwriting. It might be better now that loading caps have been mostly removed and medicals are able to proceed again, but we are still feeling the impact; NHS waiting lists for surgeries/investigations are taking longer than ever before, so some people seeking protection insurance are now being postponed for years due to outstanding tests/treatment, whereas previously it would have been months. We are not underwriters, and we don't envy an underwriter's role in the current climate, but ...

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