Coming Events

LUCID   13 – 15 October 2019

FOCUS are delight to offer two free places to LUCID 2019. See sponsorship page for full details.

Examination Sponsorship

Congratulations to Ben Rees for passing his CII Underwriting examination. Well done Ben.

CII Survey

With the last claims and underwriting exams scheduled for October this year the CII are keen to hear your views on the future of  such qualifications.

Click here to take the survey (5 min)

Summer of 69+ conditions

It’s over 35 years since Dr Marius Barnard founded ‘Dread Disease’ insurance in South Africa.  Our Summer event puts FOCUS on why and how we add new conditions to what we now know as Critical Illness.  Between full and additional (or partial payments) insurers may cover in excess of 70 conditions.

In the words of Bryan Adams  ‘I guess nothin’ can last for ever  . .. . and now the times are a changin’

Presenters from Munich Re and Aviva will take you through the journey, from the twinkle in the Marketing Directors eye through to the addition on a policy definition list.  What does ‘Critical’ mean?  What are the challenges faced by the direct insurer and the reinsurer.  What is the impact or benefit to the Consumer?  Do all the ideas make it through the process and if not then why not?  We will take an in depth look at the conditions arms race and ask…..

  • Why do we do it?
  • Where do the additional definitions come from?
  • How are they written?
  • How are they priced?
  • How should we test them?
  • What are the underwriting and claims considerations? – open question to the floor
  • How are they marketed?

We hope to prompt questions, challenge concepts and better understand what we as an industry are trying to achieve.  Join us and be part of the solution and help us work out if there is a problem … or not?

FOCUS are delighted to welcome the following representatives from Munich Re and Aviva to tackle this forever growing area of change and challenge ….

Mike Bolshaw (Munich Re)


Mike joined Munich Re in 2005 as a PMI claims and underwriting specialist. Over the next 6 years he learnt how to assess, audit and provide training for claims across all lines of Life and Health business.

He then went on to hold a number of strategic and operational roles across various parts of the business for the UK and Ireland and for international markets.

Mike became Head of Claims for UK and Ireland in 2014 with responsibility for the assessment, management and payment of claims across all lines of business.


Fiona Greenwood (Aviva)


Worked for Aviva since 1995. Currently based in the lovely city of York.

Managed a busy protection claims team before moving to a claims philosophy and governance role in 2016.

Member of FOCUS committee since 2018




Paul Washbourne (Munich Re)


Washy is a FOCUS Committee member and has worked in claims for over 15 years and enjoys that he still gets to learn new things every day. He has day to day responsibility for assessment decisions and quality for life and disability claims and is now involved in the Health side of insurance. Product development and enhancement has always been a major interest.



Jonathan Cater (Aviva)


Jonathan joined Aviva straight from completing a Criminology degree at the University of Hull in 2007. He has performed several roles including being a BDM for over 5 years specialising in Protection and CI. He joined the Propositions department in early 2017 to work as a CI specialist whilst bringing his holistic knowledge from previous roles. Since joining he has worked on several developments including two CI enhancements and the design and launch of the Relevant Life with Employee Significant Illness product.


Guy Naylor (Munich Re)


Guy Naylor is a qualified Actuary working in the Pricing Team at Munich Re in London where he is responsible for maintaining the pricing bases for Term Assurance, Critical Illness and Guaranteed Acceptance Whole of Life. Prior to this he worked for St James’ Place in Cirencester. He has a particular interest in mortality improvements and how these are projected into the future.

Where and when

Thursday 13th June 2019, from 6.00PM

The Royal College Of Surgeons

Deacon Suite

Nicolson Street


Scotland, UK EH8 9DW

One of the oldest surgical corporations in the world and traces its origins to 1505 when the Barber Surgeons of Edinburgh were formally incorporated as a craft guild of Edinburgh.
(click here for directions)


FOCUS will be holding their AGM prior to the main presentation. You are welcome to attend. 

6.00 – 6.30   Welcome drinks/FOCUS AGM
6.30 – 6.40 Welcome from the chair – Paul Hunt
6.40 – 7.30 Presentation – ‘Summer of 69+ Definitions’– – Mike Bolshaw, Fiona Greenwood, Paul Washbourne, Jonathan Cater & Guy Naylor
7.30 – onward Sit down dinner – networking/socialising


FOCUS would like to thank our sponsors Munich Re for their generosity and kind support in helping us with this event.

How to join us

Please download the booking form and send it, along with your cheque to Jane Lyle, at the address below.

Jane Lyle
Scottish Widows
Underwriting Strategy
Port Hamilton
Block D Floor 3
69 Morrison Street

The cost of the evening is £45.00 per person for members. Please note the cost for non-members is £60.00

Please make cheques payable to FOCUS.

Alternatively you can pay by BACs using the following details. Please use an obvious reference so we know where the money originates from.

Bank: Royal Bank Of Scotland
Sort Code: 83 06 08
Account No: 21422846
Account name: Forum Of Claims and Underwriting (Scotland)

FOCUS values your continued support and we are looking forward to seeing as many of you as possible at this event.

Paul Hunt   


LUCID is coming to Scotland !   13th  to 15th October 2019 

Don’t forget to book your place at LUCID 2019!


LUCID Conference