These dynamics have implications for pricing, underwriting criteria, product structures, and claims operations. They also place greater emphasis on early support and recovery-focused approaches, as insurers look for ways to manage long-duration mental health claims while maintaining affordability and sustainability of cover. Within this environment, the outcomes of the Pathways project are likely to be of interest to life insurers, rehabilitation providers, and advisers seeking evidence on how co-designed digital tools may influence claim duration, recovery outcomes, and portfolio performance in mental health.