Updated September 7, 2023, at 11:31 AM

Of course, the first part of the title is the famous first line to one of the greatest stories ever written, A Tale of Two Cities by Charles Dickens.  That opening line fittingly describes the landscape of our industry right now on two noteworthy levels.

The life insurance industry has gone through the best of times and the worst of times during the COVID-19 pandemic. Life insurance applications are up significantly due to COVID, but underwriting and processing these apps have been slower and more challenging than ever.