Programme

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Chair's welcome and opening remarks
Adam Saville, Editor, COVER
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Opening keynote: The impact of Covid-19 on access to insurance

The Covid-19 crisis brought with it a raft of underwriting changes to protection policies in light of a novel virus that caused a worldwide pandemic. As the virus spread rapidly, insurers understandably had to review their ability to offer cover, especially for those with Covid-19 symptoms or considered particularly at risk to coronavirus. What has informed some of these decisions and how well have they been communicated to advisers? In this keynote session, Andrew Wibberley will weigh up the fairness of these changes, while considering the unknown long-term effects of the virus and its potential impact on access to insurance.

Andrew Wibberley, Chair to Access To Insurance Working Stream for Underwriting

Live Q&A 09:20 – 09:30

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Are we connecting the dots in underwriting?

Is the purpose of underwriting purely risk management? If Underwriting is a dot in the chain of purchasing life insurance, are we considering the other dots when making decisions? Should we be more focused on the end customer and their buying experience? This session will explore whether we are connecting the dots in underwriting and considering the wider implications when making decisions now and in the future.

Nilesh Patel, Head of Sales and Marketing, UnderwriteMe

Live Q&A 09:45 – 09:55
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Responding to a crisis: Adaptation through innovation

When the COVID-19 pandemic struck, providers had to react quickly, mobilising remote working capability and adapting life insurance propositions to reflect the emerging risk of a global health crisis. In this session, Royal London will walk us through its response to the Covid-19 crisis. How and why did the insurer make the changes to its underwriting process? And why is a focus on claims so crucial when meeting the needs of customers at this time?

Craig Paterson, Chief Underwriter, Royal London Intermediary 

Live Q&A 10:15 – 10:20

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Networking break

Please use this time to talk on the event chat and browse the exhibition hall

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A transparent look at claims
Holloway Friendly has looked in-depth into its claims process, and how every step from initial income protection application through to underwriting and service help determine the outcome of a claim. By working closely with advisers we can improve application quality, reduce non-disclosure and increase members' understanding of their income protection plans. This session will assess how important the adviser role is and what can be done to improve claim outcomes for customers.

Suzy Esson Head of Operations, Holloway Friendly

Live Q&A 10:50 – 11:00
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Seen and not heard: COVID-19, cancer and the dangers of missed diagnosis

NHS England figures show that year-on-year urgent cancer referrals have dropped by a fifth during June, rising 43% for breast cancer. It has been reported that hospital waiting lists for treatment are at their highest level ever and Cancer Research has estimated that 2.1m people in the UK have missed out on screening during the pandemic. In this session, LV= will re-visit their recent claims experience over the COVID-19 period, investigating the potential impact of delayed diagnosis on future claims experience and how protection providers can help reduce the immense strain on the NHS at this time.

Anna Rogers, Head of Underwriting, LV=

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Panel: Signposting and asking the right questions

This panel will explore why signposting to specialists is the key to unlocking access to insurance. It will cover asking the right questions; treating vulnerable customers fairly and dealing with difficult questions to do with health and mental health disclosure. If a client cannot initially find the right cover, there is now a system in place to ensure that they can.

Shayne Halfpenny-Ray, Policy and Public Affairs Adviser, CII

Graeme Trudgill, Executive Director, BIBA

Alan Knowles, Managing Director of Cura Financial Services and Chair of the Protection Distributors Group

Sarah Murphy, Associate Director for Advice, Information & Training, Mental Health UK


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Closing remarks

Adam Saville, Editor, COVER

Please note that this programme is subject to change