Having been a LOL insurer in the nineties, I confirm the views above about the underwriting shift and the change in stance by the CAA. There are still Group schemes for larger operators, but I have recently encountered several disputes where insurers seek to rely on medical existing preconditions to deny paying out - some of which have been successfully challenged after lengthy and expensive use of expert medical evidence. Another alternative, pilot run private members schemes - more like a mutual fund than insurance product, are around in the Middle East and Asia, but the point worth researching is how solvent those schemes are - a couple of big claims can threaten the solvency of the fund. Caveat emptor!