About Us

Risk Underwriting

The key focus of the Company's activities currently is group life assurance and group critical illness insurance contracts in the UK . In the recent past, RAM has managed portfolios incorporating group spouses death-in-service and group income protection insurance contracts.

Risks underwritten range from schemes comprising 3 lives through to large arrangements of over 12,500 lives, however there is no maximum.

The Company has developed a particular niche in the Police and Fire Brigade markets where a substantial number of the Police Forces in the UK have group risk schemes in place with insurers via RAM, generated in conjunction with specialist brokers.

RAM’s Senior Underwriter, Peter Brunwin, has particular Group Risk knowledge and is recognised in the market as a well respected underwriter. Rob Stemp and Liz Verity have particular experience of the Police and Fire Brigade markets and are well known within the market as specialists within these sectors.

Historically, RAM’s senior underwriters have been underwriting for over 25 years during which time both UK and international portfolios have been developed. Internationally, multi-national pool business has been transacted in the UK and risks have also been underwritten from the UK for international companies based abroad in France, Gibraltar, Malta and Hong Kong .

The management team have also dealt directly with reinsurers in establishing treaties and underwriting terms for insurers.