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GROUP LIFE
What we do
A broad Group Life proposition backed by experienced underwriting, clear administration and direct access to people who can make decisions.
THE PROPOSITION
Built for the everyday market. Ready for the conversation.
RAM is a specialist Group Life business, not a niche-risk insurer. We welcome straightforward schemes and we also want brokers to talk to us when an opportunity needs underwriting judgement.
£10bn+
cover in force
110,000+
lives covered
Supporting UK Police Forces and Fire Brigades for over 40 years
Free Cover Levels
Indicative standard Free Cover Levels in the current RAM proposition are shown below. Scheme-specific terms can vary.
| Lives | Free Cover Level |
|---|---|
| 20–49 | £1,000,000 |
| 50–199 | £1,250,000 |
| 200–499 | £1,500,000 |
| 500+ | £1,750,000 |
Practical features
- Registered, Excepted and Relevant Life policies
- Master Trust facilities for Registered and Excepted schemes
- Actively-at-Work concessions for qualifying new entrants
- Competitive, sustainable pricing
- Direct access to experienced underwriters
- Purpose-built administration systems supported in-house
CLAIMS
Insurance proves its value when a claim arises.
RAM’s focus is straightforward: establish what is needed, communicate clearly and progress valid claims without unnecessary delay.
In the last 6 years,
100%
of eligible life claims have been paid, within an average of 1 day.