Hi everyone, we are back with Season 10 and a new regular guest, the one and only Alan Knowles. Many of you will know Alan from different industry initiatives and he is joining us to give insights into underwriting for your clients. 

We are kicking things off with a look at inflammatory bowel disease, specifically Crohns and Ulcerative Colitis, which are believed to affect well over 1m in the UK. Depending upon your clients specific circumstances you can see a range of outcomes including standard terms, premium loadings, exclusions, postpones and declines.

The key takeaways:

• The time since the most recent flare up of Crohns or Ulcerative Colitis symptoms is key to the options you will see for insurance
• Immunosuppressants can work wonders for managing Crohns and Ulcerative Colitis, but it can make it harder to get protection insurance in place
• Two case studies of arranging life insurance for people living with inflammatory bowel disease

I will be back next time with Cirencester Friendly to discuss income protection and type 1 diabetes, plus their brilliant 125 Fund..

Remember, if you are listening to this as part of your work, you can claim a CPD certificate on our website, thanks to our sponsors Octo Members.