Join us for our first event of 2027 where we will be joined by Mike Wilson, and Ian Rowe, from Pacific Life Re.    Thursday 28 January 2027 The Heights, Apex Grassmarket Hotel, Edinburgh, EH1 2HS   Presentations Mental Health Claims: What Can Australia’s Experience Tell Us About the Future of UK Protection?   This session will look beyond the headline figures to explore population trends, evolving diagnostic practices and wider societal factors influencing both the incidence and duration of IP and TPD claims. We will consider the lessons the UK market can learn from Australia’s experience and what these developments could mean for the future of protection underwriting and claims management.  When It Matters Most: Consumer Perceptions, Expectations and the Claims Experience   The claims process is the moment when the promise of insurance becomes reality. But how do consumers experience this journey, what do they expect from insurers, and how does the experience influence their trust in protection insurance? Drawing on new consumer research, this session will explore perceptions of the claims process, including insights from individuals who have personally experienced making a claim. We will also examine the current and emerging challenges facing the protection claims environment and consider what these mean for insurers, underwriters and claims assessors.    Two important discussions exploring the future of protection, the changing claims landscape and the importance of delivering the right outcomes for customers when it matters most.   A full invitation with further details will follow. However, if you want to book your hotel now, APEX are giving a discount using code FOCUS10.   We hope to see as many of you as possible.   FOCUS Committee