Speakers List - COVER Claims Convention 2019

Keynote Speaker

Alan Knowles


The Protection Distributors Group

After originally joining financial services as a web programmer, Alan was quickly tempted by the dark side of financial services and became a protection adviser. Alan now runs Cura, a multi award-winning protection intermediary, specialising in hard-to-place protection cases, such as people with health conditions. Alan is also the current Chair of the Protection Distributors Group (PDG), a group of intermediaries working together to improve customer outcomes in the protection industry.


Luke Ashworth

Protection Consultant


I launched my first business at the age of 23. Since then I've experienced the phenomenal high of building two multi-million companies from scratch, and the character-crushing failure of losing everything both personally and professionally.

I've been lucky enough to work in almost every part of the protection industry; I founded one of the UK's fastest growing life insurance lead generators, built one of the UK's largest life insurance brokers, launched a virtual healthcare company providing value-add services for Insurance companies, built D2C life products with one of the largest Reinsurers and turned around the performance of one of the most prominent medical screening businesses.

I'm now an independent consultant helping brokers, advisers and Insurers drive better performance from their protection businesses. I have also devised a management training program for building happy, high-performance teams which can be found at www.thinkfeelact.com.

Jerry Brown

Head of Underwriting & Claims

Salus Life International

Jerry has worked in underwriting for most of his 40+year career and headed Swiss Re's UK life & health underwriting & claims functions from 2001-2007. He then set up his own consultancy business and has worked with many companies in the life insurance sector including Aegon, Aviva, Legal and General, Scottish Widows and Underwrite Me.

From 2010 to 2017 Jerry was Underwriting and Claims Director at Risk Assured and was a key player in establishing their model in the market place, gaining direct access to reinsurance decision making and capacity.


Scott Cadger

Head of Protection Underwriting and Claims Strategy

Scottish Widows

Scott is Head of Protection Underwriting and Claims Strategy at Scottish Widows and has over 14 years' experience in the financial services industry. A qualified actuary, Scott has worked across all aspects of protection; pricing, underwriting, claims and proposition. Scott's main passion is getting fair outcomes for customers and looking at how we can use technology as an enabler of customer choice of experience.

Steve Evans

Regional Protection Manager

Scottish Widows Protect

Steve graduated from Aberystwyth University in 1997 and joined Lloyds Banking Group under their Graduate Leadership Programme. Steve recently celebrated 20 years working with the financial services industry. He now works as a Regional Protection Manager in South Wales and South Midlands for Scottish Widows Protect. He believes passionately in the difference protection can make to a client's financial wellbeing and really enjoys helping advisers see the importance of having great protection conversations. Steve is an active supporter of the Workers Education Association charity. Outside of work, Steve is always planning his next travel adventure.

Roshani Hewa

Assistant Director, Head of Protection & Health

Association of British Insurers

Roshani Hewa is the Assistant Director, Head of Protection and Health, having previously worked at the ABI as Assistant Director, Head of Savings Policy. She is responsible for leading the ABI's strategy and policy development on protection and health policy issues.
She joined ABI in September 2017 from Barclays, having joined in 2011 and was responsible for engaging with UK regulators (PRA/FCA/PSR) to optimise outcomes for Barclays; developing and communicating insights on regulatory engagement internally and externally. Primary focus was on Barclays UK businesses i.e. Mortgages, Personal Banking, UK Cards and Treasury. Prior to Barclays, Roshani worked at KPMG for 5.5 years.
Began her career at KPMG in 2006 having studied a Bachelor of Commerce - Accounting and Commercial Law at Sydney University, graduating in 2005. She is ACA qualified with the Institute of Chartered Accountants in England and Wales.

Julie Hopkins

Director, Underwriting & Claims Strategy

Guardian Financial Services

Julie is a former reinsurance company executive with more than 40 years' experience. Her background includes underwriting and claims management roles as well protection product development, most notably spending 25 years as Head of Underwriting and Claims strategy at Hannover Life Re. Julie has a life-long commitment to raising standards within the protection industry, particularly in relation to the paying of claims and giving support to customers when they need it most.

Simon Jacobs

Head of Underwriting & Claims Strategy


Simon has spent his entire career in the insurance industry, joining Aegon in January 2013. Before that, he held a number of underwriting roles with key protection providers including Axa Life, Unum, Legal & General, HSBC Life and reinsurer Munich Re.

Sarah Kirk

Senior Claims Handler


Sarah Kirk is a Senior claims handler at LifeSearch. Sarah works with claimants to speed up the processing of Income Protection, Critical Illness, Terminal Illness and death claims, she liaises between claimants, insurers and third parties. Sarah is keen to see providers embrace and harness digital efficiencies to improve the speed of the claims process and the customer experience.

Katharine Moxham


Group Risk Development

Katharine Moxham is spokesperson for Group Risk Development (GRiD), a position she's held exclusively since May 2009. Katharine works to generate a wider awareness and understanding of group risk products (employer-sponsored life assurance, income protection and critical illness) and their benefits for employers and employees. She regularly contributes to industry and business publications and debate, and has actively raised the profile of the group risk industry with the media and business organisations.

Prior to joining GRiD, Katharine built a profile as a driving force in the UK group risk market working for Towers Perrin, Aon Consulting and JLT Benefit Solutions, where she was Consulting Director of the Health & Risk practice. This broad-based industry expertise makes Katharine ideally placed for her role as industry commentator on issues affecting the group risk market.


Andy Rowson

Sales and Marketing Director

Holloway Friendly

Andy Rowson, Sales and Marketing Director- Holloway Friendly
Andy has worked within the financial services arena for many years and has over 20 years' experience in distribution focused roles.
Spending most of his career at Aegon, Andy has held roles such as National Sales Director and Head of Origen Workplace Solutions. He then moved to Pantheon Financial as their Group Director for Business Development before joining Holloway Friendly, as Head of Distribution. He has recently taken on a new role of Sales and Marketing Director.
In his spare time Andy likes skiing, mountain biking, rugby and spending time with his wife Debi and his two teenage children.

Johnny Timpson

Financial Protection Technical & Industry Affairs Manager

Scottish Widows

Johnny Timpson is Scottish Widows' financial protection specialist. As a leading expert in his sector, he brings over 40 years' experience working in a variety of technical roles and distribution models.
He is currently the DWP Disability Champion for the Insurance Industry and Profession, and Chairs the Access to Insurance Working Group, in addition he is a member of the Single Financial Guidance Body FinTech and Mental Health Advisory Group. Johnny is also a member of the CII's Insuring Women's Futures Programme Advisory Panel and London Institute Inclusion and Diversity Committee. In addition, he's a member of the Resilience Task Force chaired by Baroness Drake and also the Income Protection Task Force where he sits on both its Welfare and Building Resilient Households Working Groups.
A former chair of TISA's Consumer Protection Policy Council and member of the ABI Protection Committee, Johnny until its close, was a member of the Seven Families Project team where he lead a workstream.

Stuart Tragheim


Holloway Friendly

Stuart joined Holloway Friendly as CEO in June 2016. He has worked in the financial services market for over 35 years in a range of strategy, leadership and business development roles including with various market leading firms such as Lloyds Banking Group, Equiniti and LV=. He has also run his own strategy consulting business providing strategic and business development advice and support to financial services businesses.
Stuart contributes regularly to industry wide developments, having previously chaired the Investment & Life Assurance Group and been a Member of the Association of British Insurer's Distribution and Regulation Committee. Stuart currently sits on the Board of the Association of Financial Mutuals and is a member of the PRA Practitioner Panel Insurance sub-Committee.

Andrew Wilkinson



Andrew has spent his whole career in the financial services industry, working for an insurer and then as an IFA before setting up Moneysworth Ltd in 2003 with fellow director Tim Boddy. Moneysworth are a specialist whole-of-market protection broker, with particular expertise in dealing with non-standard cases (eg pre-existing health conditions, travel, residency etc).

Andrew is passionate about helping people to obtain the cover they are seeking and increasing access in the market to protection products for the ever growing number of ‘non-standard' consumers.

Guest Chair

Melissa Collett

Professional Standards Director

Chartered Insurance Institute

Melissa Collett is Professional Standards Director at the Chartered Insurance Institute (CII), leading its professional standards, ethics and conduct activity as a united profession across insurance and financial planning. She is also responsible for the professional body's legal affairs, risk management, disciplinary matters and governance. She is keen to raise awareness of best practice and drive ethical behaviour through engagement with the profession and external stakeholders.
Melissa has an extensive background in consumer insurance and legal issues. She spent over a decade at the Financial Ombudsman Service, was a Director at Fairer Finance and sits as a Tribunal Judge. She is also qualified solicitor, and specialised in insurance law at Hogan Lovells. She is a frequent speaker at insurance conference and events, sits on judging panels, and is the author of numerous articles and publications on consumer insurance law subjects.

Conference Chair

Adam Saville


Cover Magazine

Adam has been the editor of COVER since January 2018. An NCTJ-trained B2B journalist with a consumer publishing background, he was previously the deputy editor of DJ Magazine, and has past experience writing about mortgages, captives/global risk and hedge funds.