One of the great achievements from the industry over the past year was the fact that the pandemic led to relatively little change in protection products. Income protection was the product that perhaps endured the most scrutiny as all insurers either removed or applied a COVID exclusion to their short deferred periods. As the whole country looks forward to the next stage of lockdown easing, there is positive news to come from Holloway Friendly today, who are taking their first steps to remove the exclusions they first applied in March last year.