Speakers List - Cover Protection & Health Summit 2018


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.


KEYNOTE: Dr Mobasher Butt

Medical Director

Babylon Health

Mobasher is passionate about using technology to improve healthcare on a global scale to make it affordable and accessible to everyone everywhere. He has been instrumental to the development of Babylon's clinical AI products and virtual clinical services in the UK and internationally. He is a practicing GP with extensive clinical experience in the UK and overseas, with expertise in Patient Safety and Quality Improvement. He has led mobile health research on a global scale for the World Health Organisation and has previously worked as Clinical Advisor to the Chief Medical Officer of England and as the Quality Improvement lead for the British Medical Journal.

KEYNOTE: Baroness Tanni Grey-Thompson

Disability Campaigner and

Paralympian Athlete

One of Britain's greatest Paralympic athletes, Tanni amassed a remarkable medal haul over 16 years and five Paralympic Games of 11 gold, 4 silver and a bronze. 

In 2005 she became ‘Dame' Tanni Grey-Thompson for her services to sport. In 2010 Tanni became an Independent Crossbench Peer in the House of Lords, taking the title Baroness Grey-Thompson of Eaglescliffe in the County of Durham. As a working peer Tanni uses her experience and knowledge during debates in the House and she has spoken on a range of issues including Disability Rights, Welfare Reform, and of course, Sport.

Tanni has continued to be involved in sport and physical activity. She is a Board Member of the London Marathon, the Sportsaid Foundation, the Duke of Edinburgh Awards and Join In. In addition to this she is also a Board Member of several organisations including Transport for London, the London Legacy Development Corporation and the London 2017 Organising Committee.


STREAM 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.

STREAM CHAIR: Johnny Timpson

Financial Protection Technical & Industry Affairs Manager

Scottish Widows

Johnny Timpson is Scottish Widows' Financial Protection Technical & Industry Affairs Manager. Johnny has worked in the individual and group protection industry for 40 years and is a member of the ABI Protection Committee, Income Protection Task Force, the IPTF Welfare Working Group, Seven Families project team, Building Resilient Households Group and CII Insuring Women's Futures Advisory Panel. In February 2018, Johnny was appointed "Disability Champion for the Insurance Industry and Profession" by DWP Office for Disabled People, Health & Work.

Paul Avis

Marketing Director, Group Insurance

Canada Life

Appointed as Sales and Marketing Director in November 2009 but focused solely on Group Insurance marketing from January 2013. Previously worked at Ceridian (LifeWorks) as Corporate Development Manager, Employ-Mend as Sales and Marketing Director, Legal & General (Group Risk) as Sales Manager, Unum as Senior Sales Consultant and General Accident (now Aviva) as Senior Life Consultant.

Qualified with BA (Hons) in Cultural Studies in 1987, CIM Marketing Diploma in 1994, Diploma in Management Studies (DMS) in 1996 and gained an Henley MBA in 1999.


Tom Baigrie



Tom Baigrie is the founder and CEO of LifeSearch, the UK's largest protection intermediary, which writes over 100,000 policies a year through 18 life and disability insurers, serving the protection needs of, amongst others, the customers of Compare the Market, Moneysupermarket, Lloyd's Bank Which? and LV=. LifeSearch pioneered what is the lowest cost method of distributing properly advised Protection products and operates only online and over the telephone.

Tom believes leading distributors should shape their market as well as their own businesses and has long campaigned on regulatory matters and to make Protection seen by all as a vital consumer safeguard. The ICOB rules, the Competition Commission rulings on PPI and the RDR all reflect his efforts in places.

Since 1998, Tom and LifeSearch's values and business culture have seen over 60 industry judging panels deem them the best at what they do.


Toby Bainbridge

Head of Protection Solutions

Royal London

Toby started his career in the insurance industry working at a reinsurer and spent ten years working in underwriting, underwriting research and development, audit and business development. He then spent the next fifteen years in primary reinsurance in underwriting and reinsurance management. Toby's primary responsibilities at Royal London include reinsurance, management of the underwriting and claims philosophies, analytics and strategy. Much of his time is spent on aspects of risk management, proposition design and underwriting.

Branko Bjelobaba

Regulation and Compliance Consultant

Branko Ltd

Branko has worked across the insurance sector for over 30 years and is regularly called upon to write for leading publications, to present to many audiences and has judged a number of broker awards. He has an infectious presentation style and has been told on many occasions that he is the only person in the world who can make compliance sound interesting. He speaks at many dinners and has never used the same joke on more than 100 occasions.

Branko was Thomson Reuters Compliance Personality of the Year 2012 and in 2017 received the London Market Outstanding Contribution to Legal and Compliance Award.

He is a Fellow of the Chartered Insurance Institute and holds Chartered status and is also a Member of the Institute of Directors (MIoD). He was Vice-President of the CII from 2008 to 2014 and became a Liveryman of the Worshipful Company of Insurers and a Freeman of the City of London in 2002.

He has been AMII's Compliance Consultant continuously since 2004.


Steve Bryan

Director of Distribution and Marketing

The Exeter

Steve Bryan was appointed as Director of Distribution and Marketing at The Exeter in July 2017. With a wealth of experience in the intermediary sector across all insurance disciplines, Steve's passion for the market and desire to grow it for adviser and customer benefit drive his day to day focus.
Recognised in and well respected by the industry, Steve is overseeing significant growth and expansion at The Exeter, with new product lines and wider distribution being early successes.

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 13 years' experience in the financial services industry. A qualified actuary, his strong analytical skills support his passion for delivering vital insurance solutions for customers. Scott sees protection as the cornerstone of good financial planning and is focused on ensuring that customers are protected against the worst happening - removing that worry so they can focus on enjoying life.

Robin Carr

Adviser Development Manager

Guardian Financial Services

Rob has worked in financial services for 37 years. After spending the first six years in California as a life and health insurance underwriter, he returned to the UK and has filled marketing and sales roles ever since. Before joining Guardian, he spent 21 years involved with adviser development and protection training for Scottish Provident and Bright Grey. He's widely recognised for his passion, enthusiasm and skill in delivering highly relevant and valued training to advisers, making even complex subjects clear and simple.

Steve Casey

Marketing Director

Square Health

Steve has been involved in the protection market for more years than he cares to remember. Initially trained as an Underwriter, he has worked in UK, European and Far Eastern markets. He has a unique customer focus having worked with Reinsurers, Providers and Distributors in the delivery of award-winning products. Latterly he is the Marketing Director of Square Health, a digital health-tech Provider who have introduced the "Clinic in a Pocket" concept. Steve lives in Cheltenham, is married to Anne and has two daughters, Charlie & Sophie.

Ambika Fraser

Head of Proposition


Ambika Fraser is the Head of Proposition Development at Unum UK. Ambika has a strong history in Sales and Marketing and started her career at Legal & General after graduating from Cardiff University with a degree in Economics and Business Management. Since moving on from Legal & General, Ambika has gone on to refine her specialities to focus more on the product management side of business. Ambika's most recent role before joining Unum was Head of Products at Chubb, a global insurance provider within the commercial and personal property insurance sector.

Dr Moira Fraser

Director of Policy, Campaigns and Influence

Macmillan Cancer Support

Moira joined Macmillan in 2016. Her team influences policy at government level to meet the changing needs of people living with cancer across the four nations of the UK. Her priorities at Macmillan are support after treatment, the cancer workforce, financial support for people with cancer, support at end of life and ensuring the implementation of the Cancer Strategy for England.
She has 15 years experience in health, disability, and care in the voluntary sector policy and campaigning work. Most recently, she specialised in social care and needs of unpaid carers including young carers, and played a key role in the development of the Care Act 2014. She has held roles at RNIB, Mind, and Carers Trust, and has a background in psychology and educational research at the Universities of Edinburgh, Exeter and Warwick.

As Director of Policy Campaigns and Influence, Moira is an expert on Macmillan's policy, public affairs and campaign work so can comment on all of the charity's policy areas, including end of life care, workforce issues, the experience patients have at diagnosis, managing life with cancer, and also the financial impact of cancer. 


Gary Golder

Head of Proposition and Change

Royal London

Gary has over 30 years' experience within the financial services industry with a dedicated focus on the Life and Pensions sectors. He's worked extensively with Royal London through some periods of great transformation; concentrating on improving structures and contact models, and how technology can better support our customer service teams and sales forces. Gary currently heads up the Protection Proposition Change Team where he leads the move to a new model for designing and delivering change to our propositions.

Justin Harper

Head of Marketing


With 30 years' industry experience, Justin oversees intermediary marketing and is a media spokesperson for LV= Protection.

A multi-award winning marketer, Justin's big work-oriented mission is ‘translating the complex into the simple', and helping make financial services far more straightforward, engaging and sexy. He's the proud creator the LV= Risk Reality Calculator - the so called ‘Hoover' (or should it be Dyson?) of protection selling tools.

As an adviser, Justin sold his first IP policy (it was PHI back then) in 1990. IP remains a passion of his, and he's actively involved flying the IP flag through his industry relations work with trade bodies, government, fellow providers and advisers. He's been closely involved in the industry lobbying around Universal Credit and last year authored the first LV= Income Roulette report - an in-depth study of UK financial resilience: debt, savings and protection.


Adam Higgs

Head of Research

Finance & Technology Research Centre

Adam leads FTRCs detailed protection research and benchmarking of both product and operation features provided by insurers and has a vast knowledge of the protection market. He has been instrumental in building the protection comparison service Quality Analyser and maintaining the data to enable advisers to quickly and easily compare protection products based on qualitative measures. He also works with adviser firms to help in panel reviews and with insurers to help them understand the shape of the market, their strengths and the areas that could be improved in their products.

Simon Jacobs

Head of Underwriting and 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.

Phil Jeynes

Head of Sales and Marketing


Phil started in financial services straight from school, following his dream of becoming a clerk for a large building society. Having achieved this goal he went on to become a mortgage adviser and through this, discovered the world of Protection. A paucity of imagination has seen Phil become a well-known figure in the life insurance sector, with roles in marketing, sales and PR at such leading firms as Direct life and Pensions, Vitality Life and now UnderwriteMe.

Away from work he is married with two sons and spends his free time playing, coaching and watching football (in ascending order of proficiency).

Alan Knowles

Managing Director

Cura Financial Services

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 a founding member of the Access to Protection group, who are positioning themselves as the ‘go to' place for specialist advice for charities, IFAs, industry bodies and insurers.

Kathryn Knowles

Managing Director

Cura Financial Services

Kathryn has worked in the insurance industry since 2010, following the completion of her PhD in Business Management. She has worked as an administrator, compliance manager and insurance adviser, and co-owns Cura Financial Services, focusing on improving access to insurance for impaired lives. Her most recent work involves the use of video marketing to improve social outreach and humanise the message that Cura is trying to get across: that we can insure the uninsurable. She juggles work with running a household of three young children and her love of zumba.

Alan Lakey



Alan Lakey has been in the industry since 1978. He's been an IFA since 1986 and started CIExpert in 2012. He is an ex-Director of Adviser Alliance and an ex-Council member of APFA. He spent eight years working for an assortment of insurers, distributors and winner of 20 awards for advisory excellence. He is the author of a biography of seminal ‘60s rock band The Pretty Things and also wrote ‘Idiocy in Commercial Life: Practical Ways to Navigate Through Nonsense'.

Katya Maclean

Proposition Director

Guardian Financial Services

After an early career in the actuarial departments of Scottish Provident and Scottish Widows, Katya headed up Bancassurance Protection at Lloyds Bank before moving on to set up a Europe-wide primary insurer within Swiss Re. She joined the entrepreneurial firm Gryphon in 2016, and is now Proposition Director of their newly launched Guardian business.

Natalie Summerson

Head of Sales, Individual Protection

Canada Life

Natalie has over 20 years' experience in Financial Services. She joined a brokerage company aged 17 before moving to Scottish Provident in 1999 where her career with leading insurance providers began. During her career she has worked at Friends Life and Aviva in distribution roles, before joining Canada Life in January 2017. Natalie is passionate about protection insurance and the need to reduce the UK Protection Gap. She now heads up Individual Protection distribution at Canada Life. She is also an original member of the Women in Protection network which seeks to increase diversity in the industry.

Outside of work Natalie enjoys keeping fit and entertaining her family and friends. She's a proud mum and keen supporter of her husband's rugby team.

Mark Toms

Protection Development Manager


Mark started working for Scottish Equitable in 1994, then in 2000 he joined the Aegon Protection team. He's been influential in the design of Aegon's Business Protection proposition and marketing. Working with banks, employee benefits, professional advisers and corporate advice firms - he's helped develop effective Business Protection propositions and relationships - to drive better protection advice for business customers, their partners and their families.

Emma Thomson

Life Office Relations Director; Chair, Women in Protection Network


Emma has over 18 years' experience in the Protection industry, beginning her career in Unum's underwriting team before joining LifeSearch in 2000, and uses her expertise and influence to help grow and improve the protection market. Emma is LifeSearch's Life Office Relationship Director and Press Spokesperson. Both roles involve her lobbying for improved customer experiences and increased consumer awareness; she works closely with insurers to develop their propositions, liaises with journalists on Protection stories, together with speaking publicly and writing columns herself on issues and opportunities.

Emma is also a member of the Income Protection Task Force and F&TRC's Protection Forum, in addition to being Chair of the Protection Distributors Group which LifeSearch helped to establish, leading their successful Funeral Pledge Campaign. She also recently instigated the formation of the Women in Protection Group, to help increase the number of women buying and benefitting from Protection insurance.


Liz Walker

Human Resources Director


Liz Walker is the Human Resources Director (HRD) at Unum UK. Liz has been with Unum for 20 years and first joined as a Sales Coordinator in the Chicago Sales Office. She moved into a Sales Consultant role in 1997 and into Sales Management in Chicago in 2004. Liz and her family relocated to the UK in 2012 for a role in Marketing as Head of Channel Development. In 2013 she joined the Customer Solutions Division as Head of Key Accounts and was appointed HRD in June 2016. Liz graduated from the University of St. Thomas in St. Paul, Minnesota with BA degrees in Economics, German and International Business.

Helen White

Director of ‘Insuring Futures’ Programme


Helen is Director of ‘Insuring Futures' at the Chartered Insurance Institute, leading the ‘Insuring Women's Futures' programme to improve the financial resilience, independence and security of women across society.
Helen started her career in the Government's European Fast Stream graduate programme, having graduated with a degree in Economics and Politics from the University of Leeds and Pennsylvania State University in the USA.
She led policy and legislative change on international tax at HM Treasury, and share-based earnings at HM Revenue & Customs. She worked for the European Commission for four years on financial services & single market policy. For eight years she worked at the Association of British Insurers, leading strategy and policy on a range of issues for the insurance and private pensions sectors, including protection insurance. Most recently, as Head of Financial Capability at the Money Advice Service, Helen has been leading delivery of the UK Financial Capability Strategy to tackle the complex problem of low financial capability, mobilising hundreds of diverse organisations to empower people to make the most of their money, and improve their financial wellbeing as a result.
Through all of this experience Helen has developed a strong professional and personal interest in the insurance & financial planning sectors' impact on, and relationship with, society. She sees the CII's ‘Insuring Women's Futures' programme as providing the leadership and opportunity to transform the way these sectors interact with women - as consumers, and as employees and leaders.


Andrew Wibberley



Andrew set up Alea Risk in 2015, with a mission to make insurance easy to buy. Over the last two years he has worked with like-minded insurers, IFAs, IT companies and service providers to do just that. This year he is particularly proud of working with one insurer to introduce a product aimed at rewarding diabetics and obese people for improvements in health, and another to eliminate GPRs from their new business process. Andrew was previously Head of Life and Health Underwriting at a major reinsurer and was Chair of the 2014 ABI Statement of Best Practice on CI.

"Alea" is both Italian for risk and (coincidentally!) the initials of Andrew's young family - wife Lottie, five-year-old Alex and Evie, three.


Paul Yates

Product Strategy Director


Paul has over 25 years' experience in Product, Strategy and Business Development leadership level roles, driving business strategy and transformational growth. At iPipeline, Paul is responsible for leading iPipeline's strategy to provide a portfolio of client-centric solutions for advisers and providers, which drive down costs and drive business growth in the sales process through the delivery of innovative technology solutions.

Paul believes that technology is more important than ever before in the distribution of financial services. As a result, iPipeline are delivering solutions which challenge the status quo in order to drive the protection market forward and enable advisers to provide advice to all classes of client, at a time when they need it most.