You’re pretty out of touch there…there’s no one better qualified than an experienced landlord to be able to judge.
…checking at least 12 months bank statements, secure stable employment, plenty of disposable income, savings, guarantors and instincts has served me very well. 
Painting working individuals as drug taking drunks? mixing up the stereotype there. 
Let us not forget governments own stats:
Risk of UC tenants defaulting on rent: 46%,
Risk of working tenant defaulting on rent: 22%.
Surely someone from an insurance background should understand the significance of that?