Lisa Munsie: The beauty of group insurance is that we have some level of cover, which is fabulous. On top of that, for people that apply for additional cover the underwriting process has improved a lot over time – we’ve addressed this in the Code of Practice at SuperFriend. We have moved a long way. Cover was often declined if someone presented with a mental health history. These days we do look at the case in more detail. When did it occur? Are they still symptomatic? What does it look like now? What’s the prognosis like?

So those things are considered and it’s certainly not as it used to be. We’re still developing those life lines as we learn more. IFSA has done some really good work on the Code of Conduct previously, but it was just at the insurer end. What the Code of Conduct is now doing is endto- end, and it was launched last October.