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As anyone working in the insurance sector will know, the impact of Covid-19 will continue far into 2021 and beyond, with announced losses in the sector already over $25bn globally.

The continuing ultra-low interest rates has squeezed profit margins and fears about the UK economy, and potential rises unemployment, as well as flat or declining premium prices, could leave insurance firms at a crossroads.

As Rodney Bonnard, UK head of insurance at EY states, “one of the biggest concerns for insurers over the next 12 months will be identifying where growth will come from.”

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