What an extraordinary year it has been for life underwriting. We've experienced rapid and remarkable changes on a number of fronts — some positive and helpful, others more challenging — and all either accelerated by, or initiated because of, the COVID-19 pandemic. We've seen the expansion of technological enhancements and automation of the underwriting process, helping get cases approved more quickly and with less hassle for our applicants. Conversely, we continue to see COVID-related underwriting restrictions that sometimes affect our ability to get coverage issued, especially wit...