The PPP goes live and the first Inbetweenysode

The Practical Protection podcast has gone live! 

We were invited to lead an industry think tank this week. We shared our views of the insurance market and what we think are the key challenges for everyone given the current pandemic. 

We focused upon what we see as the main areas that are going to stand out during and post lockdown: self-employment, mental health and financial difficulties. 

I loved the opportunity to express my desire and see the determination of the insurance world to continue to improve access to insurance. 

I have experienced the difficulties in arranging insurance when you have a mental health condition, personally and as an adviser. I am a huge advocate for improvements to the questions that are asked of people, developing empathetic routes to insurance and support structures throughout the application and medical underwriting stages.

My main point today was to get the message across, that anxiety and stress are normal and healthy. We all have some form of stress or anxiety, it is a natural physiological response to many situations. 

There are times that anxiety becomes more marked (I know this from having generalised anxiety disorder and prior agoraphobia) that needs more support and intervention. There are distinctions that need to be understood more and we cannot assume that everyone that has been diagnosed with a mental health condition, is exactly the same as everyone else.

We have also launched our first Inbetweenysode of the podcast!

It is all about mental health and gives a kind of step-by-step guide on what happens during the application process. We talk about the questions that will be asked, how applications are assessed, why insurers view different situations as ‘higher risks’ and the types of decisions that may be made.

It’s a shorter episode than usual and we hope that you like it.