Current Activites

Risk Underwriting

Since April 2007, RAM has been authorised by Lloyd's to write business in its own name as an approved Lloyd’s Coverholder. We currently hold binding authority agreements to transact Registered and Excepted Group Life and Group Critical Illness business which is 100% underwritten by certain underwriters at Lloyd's.

Underwriting schemes of a corporate nature, we have built a solid reputation based on value, quality, skill and efficiency. Our focus is split between two sectors – Corporate Schemes and Police & Fire Brigade Schemes.

Recently concentrating our business development on Corporate schemes has seen this account steadily grow since 2008. This account, which continues to grow month on month, is supported by the solid relationships we hold with over 100 Intermediaries and Brokers across the United Kingdom. Risks underwritten range from schemes comprising 3 lives through to larger arrangements of over 12,500 lives, however there is no maximum.

We have also 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 Lloyd's via RAM, generated in conjunction with specialist intermediaries.


RAM provides intermediaries across the UK with the very best service and will never provide a quotation for a scheme where we are not capable of offering an A1 administration service throughout the lifetime of the contract.

Our administration centrepiece, known as 'RAMESES', is a computerised system which has been developed according to specific group risk requirements. Separate bespoke quotation and administration systems, operated and overseen by our IT department, have been developed in house over time ensuring accurate and quick responses to intermediaries and insurers.

This system is also available on licence to other insurers for administration purposes by agreement.


RAM has specialist knowledge of the Group Risk Benefits market and can quickly and efficiently launch product offerings for insurers through the intermediary distribution channel. We have solid relationships with over 100 intermediaries and brokers of all sizes whom we can easily approach to promote new product offerings where we have an involvement. Uniquely placed to interface between the intermediary and the insurer, we provide a bespoke service in the group risk market to include underwriting, arranging quotations and handling all aspects of scheme completion through our dedicated account administrators.

This provides the intermediary with a direct one on one service without the need to work through the complexities of large company structures. In addition, it provides the insurer with an efficient outsourced service to minimise the resources required for their business and comfort in knowing that the portfolio is being managed and grown by a very experienced team.

Combining the security of Lloyd's
with the expertise of RAM
Specialist underwriters with over 30 years experience
Risk underwriting, Administration and Marketing
Authorised and regulated by the FCA