How has the insurance industry adapted to the Coronavirus? Insurance carriers have placed restrictions on coverage for some clients. Some carriers are postponing older clients, as well as those with impairments that make them more susceptible to COVID-19, such as heart disease and chronic respiratory disease. One carrier recently postponed any proposed insureds age 70 and over. Those aged 60 to 69, who are rated, are also being delayed at this time. Despite these restrictions, some positive changes have developed in the life insurance industry. Carriers have responded by moving towards a “fluidless” underwriting process.