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.


Claire Ginnelly

Managing Director

Premier Choice Group

Claire Ginnelly has been in the private medical insurance industry since 1991. Before joining Premier Choice Group in June 2013, all her experience was gained working for large insurance companies and always working on the intermediary distribution. She has held senior positions within Standard Life Healthcare, as Head of Intermediary Sales, and Groupama Healthcare, as Head of Distribution. Claire started her career in Healthcare with Norwich Union Healthcare (now Aviva) and then moved to WPA before joining Standard Life Healthcare.

In June 2013, Claire joined Premier Choice Group as Head of Healthcare and became Managing Director in June 2015. Premier Choice is an intermediary specialising in Healthcare and Risk products.


Robert Harvey

Head of Protection Advice


Rob Harvey is one of the founding advisers of protection specialists Drewberry Insurance, having joined the company in 2012 following several years of graduate & post-graduate study, and a background in General Insurance. Having risen through the ranks as an adviser, Rob now heads up the protection team and also oversees adviser training & development.

Rob works closely with insurers and those in the industry to help develop protection propositions and push for better consumer outcomes; he is a frequent commentator on protection stories in the press and a member of the F&TRC's Protection Forum.


Roshani Hewa

Assistant Director, Head of Protection and Health


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.

Adam Higgs

Head of Research


Adam is Head of Protection and the Finance & Technology Research Centre. He currently leads F&TRCs protection research and benchmarking which aims to help advisers better understand and compare the quality of protection products via their Quality Analyser software. Adam authors a weekly protection insight which delves into the nuances of protection product features and the differences in insurer offerings and is a regular industry spokesperson and commentator.

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, ie for people with existing health conditions. Alan is also a founding member of the Access to Protection Insurance group, and is the current chair of the Protection Distributors Group (PDG).

Kathryn Knowles

Managing director

Cura Financial Services

I have worked in the insurance industry since 2010, following the completion of my PhD in Business Management. I have worked as an administrator, compliance manager and am now an insurance adviser. I co-own Cura Financial Services focusing on insurance for people that are generally considered to be a high risk. I had difficulty arranging insurance due to my own health and we have made it our mission to improve access to insurance. My most recent work involves the use of video marketing to provide educational material for advisers, charities, and the general public, to humanise the message that we are trying to get across: that we can insure the uninsurable. I juggle work with running a household of three young children.

Alan Lakey



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

Roy Mcloughlin

Associate Director

Cavendish Ware Wealth Management & Financial Planning

Roy is an IFA at Cavendish Ware and has been an adviser for 30 years.

He is a passionate advocate of protection in both the individual and group markets as well as advising on corporate and wealth management areas. He is the co chairman of the income protection task force where he was a founding member and integral in the seven families campaign . On this subject he has toured the UK talking to audiences of advisers , insurers, reinsurers and HR professionals on the impact that 7F has made.

He regularly trains advisers on all protection subjects. He is consulted by insurers on product development and is a regular contributor in the press. He is also a founder member of the PDG and sits on the FTRC forums .
He was also the first person to advocate employer sick pay statements and integral in the call for mandatory annual protection statements.

He is also the adviser representative on the resilient households group.


Ron Wheatcroft

Technical Manager

Swiss Re

Ron Wheatcroft is Technical Manager for Swiss Re's UK life and health business.

He is the author of its Group Watch reports and co-author of its series of Term & Health Watch reports. He leads Swiss Re's work with UK legislators and regulators, seeking ways to ensure the primary group and individual product markets work well for consumers and for financial institutions.

He led Swiss Re's work identifying the Life Assurance and Income Protection Gaps in the UK which has become the model which is now used across many other international markets.

He is a Board Member of the Investment & Life Assurance Group, a member of GRiD's Regulations Committee and Raising the Profile Working Party, and the ABI's Social Care Working Party.
In 2018, he became a member of the Steering Group of the DWP Champion Access to Insurance Working Party and leads the Working Group seeking ways to utilise the workplace more effectively to widen access to financial products and services through employers.

A Chartered Insurer, Ron is a past winner of the Protection Review Lifetime Achievement Award.
Outside work, Ron is a long-suffering season ticket holder at Gillingham FC where the only predictable thing is the hope that there will be four teams with fewer points at the end of each season!