Targeted vocational reintegration, especially tailored to those absent on health grounds – many roles can be adapted or supported to return employees to work.

 
Modernising the image of insurance careers, emphasising climate risk, cyber, ESG, and the social value of protection roles, especially to younger cohorts.

 
Expanded apprenticeship schemes and early‑career outreach aligning with efforts already underway in London’s market.

The confluence of long-term illness, demographic shifts, and fading appeal risks compounding a vicious economic and skills shortage cycle. As Bailey outlined, UK growth hinges not only on productivity, but on the strength of its workforce. For insurers, that workforce is the backbone of resilience and innovation.