To help advisers get to grips with the fast moving COVID-19 situation and the impact this is having on protection, we have created pages dedicated to answering the questions you want answered. To obtain more granular and consistent data we have gone out to each insurer with the questions you have been asking which will be updated in real time in order to help you understand what is happening.

Furloughed Clients


The latest statements from insurers on how they are approaching COVID-19 all on one page.


We have put together a set of questions that advisers want to know the answer to with regard to how applications are being underwritted and what the client must disclose to protect themselves from unintentional non-disclosure.


We have put together a set of questions that advisers want to know the answer to with regard to what is excluded from plans and how insurers are approaching claims across the different product types.

Keeping Policies in Force

Premium Holiday / Premium Deferral

Benefit Reduction

Sabbatical/Career Break

Premium Waiver

Cancelled Policies

Bounced Direct Debits


Relevant insights

Zurich the latest insurer to extend support for financially vulnerable

Back in May (I know that seems a lifetime ago), Zurich came to market with a package of options to help support vulnerable customers just days before the FCA outlined their expectations of insurers (see here for full details). Their approach provided three ways...

LV= Extends support for vulnerable customers

As we enter the second day of Lockdown 2.0 and the Furlough scheme is extended to March 2021, LV= become the second insurer to announce an extension to their support for those struggling financially due to the virus. LV= were the first to introduce a payment break...

LV= reintroduce 1 day & 1 Week deferred periods

It is fair to say that COVID-19 decimated the short deferred period market, with all but one insurer pulling their one day and one week options in pretty quick order. Given the landscape it was quite understandable, however it left a massive gap for those that may...

Cirencester Friendly adds access to GPs – see how the market compares

Over recent months, with Covid-19 stretching NHS resources and isolation and social distancing reducing mobility, obtaining a GP appointment within a reasonable timescale has been a challenge. Even now, with lockdown easing, many clients will be reluctant to put...

Which policies cover critical illness during underwriting?

For many advisers, the coronavirus pandemic has led to an increase in protection enquiries. This is great news, however social distancing and the strain the virus has placed on the NHS has meant that obtaining medical evidence for clients with disclosures has in some...