RAM is uniquely placed to interface between the insurer (for whom RAM acts as agent) and intermediaries and provides a bespoke underwriting, administration and marketing service in the group risk market.

The benefits of outsourcing to RAM are: -

  • RAM's 'ready-made' experience, procedures and bespoke computer systems enable an insurer to expand into the group risk market 'immediately' without staffing, computer systems or other development requirements.
  • The Insurer's operational costs will be reduced and fixed for budgeting purposes.
  • By allowing RAM to arrange all operational aspects of the business, the insurer's time will be saved.
  • The insurer can focus on the financial management of its portfolio.
  • The insurer's aims of acquiring profitable quality business will be safeguarded; RAM's remuneration structure is based upon an alignment of interest with the insurer by way of a share in underwriting profits.
  • RAM's flexible approach to working with partners in the market enables the insurer to achieve its required business model within pre-arranged authorities and service level agreements.
  • Through RAM's activities in the market and active association with industry working groups, the insurer benefits from RAM 's feedback on product developments as well as technical and compliance requirements.
  • RAM can introduce the insurer to reinsurers and assist in the negotiation of appropriate terms for scheme risks.
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