We're now well over a year since the COVID-19 Pandemic began, and this means we now have some data that gives us some insights into how the Pandemic is affecting life insurers.  Not surprisingly, when the Pandemic began, we saw ample hand-wringing among life insurance companies.  Many of them quickly put strict restrictions in place regarding COVID exposure as well as a multitude of limitations on new business that sought to reduce general risk exposure.

Thankfully, with a little bit of distance between patient zero and now, many of these limitations have relaxed as insurers gain a better understanding of COVID and the risks it poses to them.  But just because some life insurance companies are sighing in relief to the realization that COVID mortality wasn't as bad as originally speculated, that doesn't mean we're in the all-clear.  Some insurers are definitely seeing a change in claims experience, and this might present a challenge for the foreseeable future.