A focused specialist proposition supported by established insurance and reinsurance partners.
Policies are arranged and administered by Risk Assurance Management Limited and underwritten by The Shepherds Friendly Society Limited, with SiriusPoint providing robust reinsurance (see their financial ratings, above). Together, we offer a strong Group Life proposition with service that complements your client promise and a financial security you can rely on.
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With more than four decades of Group Risk experience, RAM provides the specialist underwriting and administration capability you would expect from an established insurer, working exclusively through FCA-authorised intermediaries. The key difference is that we do not retain the insured risk ourselves; that responsibility sits with our carefully selected insurance and reinsurance partners.
When Shepherds Friendly was established in 1826, their aim was simple; to provide support to members unable to work due to illness or injury. While the organisation has evolved over the years, their commitment to helping to provide financial security for its members remains as strong as ever. Their values, principles, and commitment to mutuality form the basis on which the whole Society operates. As a modern day mutual, their members come first, and always will.
SiriusPoint is a global underwriter of insurance and reinsurance providing solutions to clients and brokers around the world. Bermuda-headquartered with offices in New York, London, Stockholm and other locations, the company is listed on the New York Stock Exchange (SPNT). SiriusPoint has licenses to write Property & Casualty and Accident & Health insurance and reinsurance globally. Its offering and distribution capabilities are strengthened by a portfolio of strategic partnerships with Managing General Agents within its Insurance & Services segment. With over $3.0 billion total capital, SiriusPoint’s operating companies have a financial strength rating of A (Excellent) from AM Best and Fitch Ratings, A from S&P and A3 from Moody’s.
GRiD aims to promote Group Risk through a collective voice to Government, policymakers, stakeholders and employers. GRiD seeks to enhance the industry's standing by encouraging best practice and by participating in industry wide initiatives such as the professional qualification in Group Risk (GR1) managed jointly with the Chartered Insurance Institute.
RAM is a long-standing member of Group Risk Development, reflecting our commitment to the UK Group Risk market.
HealthHero is a leading UK digital healthcare provider, combining clinical expertise with technology to support millions of people through virtual GP services, employee assistance programmes and wider health services.
Reframe Cancer provides specialist cancer screening, combining digital services with expert oncology nurse guidance to help people throughout the cancer pathway, from prevention and screening to treatment and recovery.
The CII is the premier professional organisation in the insurance and financial services industry. RAM ensures all of its broker & client facing staff are qualified to a minimum standard of GR1 and promotes their continuous personal development via the CII. RAM contributes to the training material and has submitted several of the examination questions for the GR1 qualification.
Managing General Agents (MGAs) are an important, established and fast-growing sector of the UK insurance industry. MGAs deserve specific representation to lobby on their behalf, communicate their considerable benefits and drive best practice and so the Managing General Agents’ Association (MGAA) was formed in 2011 to fulfil this role. As a not-for-profit organisation, the MGAA, and its board of directors and specialist committees focus 100% on shaping the future of delegated underwriting in the UK.
RAM’s specialist expertise sits at the front of the relationship; Shepherds Friendly provides the insurance underwriting; SiriusPoint provides the reinsurance, HealthHero and Reframe provide the ancillary benefits. The roles are different, but together we create a proposition designed around expertise, security, service and value.
