We understand the importance of the adviser-underwriter relationship, particularly when serving the professional market where cases are often more complex. You need an underwriter you trust, that knows your business, and that you can pick up the phone and talk to when you need to, knowing they have the skill and experience to find the right solution for your clients’ needs.

Strong underwriters are central to our overall proposition. Our underwriters are all senior, well skilled in both medical and financial underwriting, and eager to partner with advisers to serve the professional market. We are proud of the team we are building, and we look forward to building long standing relationships with you and your teams.

Our focus is on efficient and quality underwriting, so your client can get back to what they do best, and you have the comfort they’ll be well protected at claim time.

Underwriting with PPS Mutual

  • Dedicated support: All of our skilled underwriting team will be available to you - but you’ll also be matched with a primary underwriter committed to getting to know you and how you work. We prioritise live applications over pre-assessments, but we always welcome early conversations. If you have a complex or unique case, we’re here to talk it through.

  • Human connection: We’ll keep you informed and involved throughout the underwriting process – and we’ll keep it personal. We’re relationship-based with a preference for picking up the phone over email whenever possible.

  • Technology enabled: Our Adviser Portal is used to initiate the application process, complete underwriting disclosures, add notes to applications, and securely exchange documentation. We invest in technology to make it easier for advisers and their support team to seamlessly service clients. This is also reflected in our choice of software providers, such as Surely, a trusted digital platform that enables rapid and secure sharing of health records.

  • A long-term view: As a mutual insurer, we’re committed to building a long-term sustainable business that serves our members and associates now and into the future. That starts with responsible underwriting — grounded in sound risk assessment, guided by commercial understanding, and always focused on fair, transparent decision-making.

Meet the Underwriting team

Adrianne
Adrianne Lowe, Chief Underwriting Officer
"Our priority is partnering with you to get your clients the cover they need. We aim to build trusted adviser-underwriter relationships and deliver efficient outcomes through deep expertise and streamlined processes. We look forward to getting to know you and working together to protect what matters most to our members."
Adrianne
Adrianne Lowe, Chief Underwriting Officer
"Our priority is partnering with you to get your clients the cover they need. We aim to build trusted adviser-underwriter relationships and deliver efficient outcomes through deep expertise and streamlined processes. We look forward to getting to know you and working together to protect what matters most to our members."

Underwriting Resources