What Is An A&H Insurance Underwriter And How They Can Help You Get A Bespoke Policy?


An underwriter is an insurance professional who specialises in risk assessment and determines how someone/something can be insured. They conduct an in-depth analysis of the risk and determine the most appropriate cover and associated pricing.

An A&H underwriter is a person who provides bespoke insurance policies for covering risk that is broadly categorised as accident and health insurance.

No two businesses or individuals are the same; therefore, the goal of an A&H insurance underwriter is to take an individual approach for each client and offer them the best possible, often bespoke, insurance solution to suit their needs.

A&H insurance offers a diverse selection of solutions to protect against Accident and Health-related risks, to optimise employers stability, growth & peace of mind and to provide accident-related protection for employees. Accident health-related risks can not only impact on the individual but can also affect the long-term productivity, profit, overheads and even the future of a company if proper protection is not in place.

Whether a business involves high-risk activities and needs to provide cover to their employees in order to comply with the legislation or an individual who wants to get insured, A&H insurance underwriters provide valuable cover for any organisation and individual.


An insurance underwriter can create cover that is perfect for you and your business. Credit: Getty Images


Some of the most popular A&H products are Income Protection, Accidental Death, Trauma and Total Permanent Disability (TPD). Underwriters have excellent knowledge on accident and health risks, so they can provide a bespoke policy that actually caters to your needs instead of other insurance policies from various insurance providers that provide the same products to everyone.

Remember you don’t have to take out cover for all of the insurance options available in A&H insurance, it’s up to you to decide what you want to insure.

Accidental Death cover (AD) – A cost-effective and cheaper alternative to life insurance. A lump sum amount is paid out if a person dies due to an accident or injury.

Total Permanent Disability Cover (TPD) – If you suffer a severe injury and become unable to work for the rest of your life. This cover will help you and your family financially to help cover living expenses.

Income Protection Cover (IP)– Similar to TPD cover, income protection is also designed to support you financially if you become unable to work. The only difference is you can enjoy the benefit of IP only if you can’t get back to work temporarily, not permanently, due to specific injuries or illness.

Trauma Cover – If you are diagnosed with a critical illness such as cancer, heart attack, stroke etc. trauma cover provides you a lump sum payment without any requirement to be unable to work. It helps you to pay medical bills and other expenses or even have a holiday prior to an extensive treatment regime, so that you can entirely focus on getting healthier.

There are lots of other benefits A&H insurance can offer. If you ever feel unsure about your future circumstances, contact an A&H insurance underwriter for better insurance options and be insured for the rest of your life.

The Covid-19 pandemic is the perfect example of how the future is uncertain, and things can turn bad quickly. So, it’s always better to take some preventative measures such as A&H insurance to make things a little bit easier during a tough time

Mike Wallis

Mike has over 25 years experience, having spent his first seven years working as a Broker at Jardine Lloyd Thomson in Melbourne and in 2002 was transferred to JLT’s Accident and Health Department in London. For four years (2002 – 2005) Mike was a specialist A&H Lloyd’s Broker and during this time developed excellent relationships with the Lloyd’s A&H underwriting fraternity. In 2006 he returned to Australia in a senior broking position with overall responsibility for Placement Strategy, including the implementation of underwriting facilities and the various authorities granted by Lloyd’s. Mike was the underwriter at two specialist Underwriting Agencies prior to founding Aspect Underwriting in 2016.