Sadly, the responsibility and options were on OnePath to either ask for more medical information at the time of underwriting, put a Mental Health Exclusion on prior to acceptance or believe that sufficient time had lapsed without any further medical advice from when the client had suffered from previous Mental issues, was a problem for acceptance.

Unfortunately, this kind of behaviour by OnePath is not what this company has been noted for in the past.

I think in recent times, well before the pandemic, staff changes (managerial & others), a lack of staff training in key areas, and a lack of service have been to the detriment of a company who used to rely on a reputation that reflected anything but.