With the country returning to enforced lockdown, many hospitals at capacity and an ambitious vaccination program being rolled out, the NHS will inevitably be stretched for some time.

Understandably every resource should be directed at combating the pandemic, however the knock on effect of this is that obtaining medical evidence for the underwriting of protection plans will likely become even more difficult. As such the non-medical underwriting limits on plans will continue to be vitally important to advisers looking to get plans on risk quickly