Joanne Hindle
Chairman

Joanne trained as a lawyer specialising in commercial law.
Joanne is an Associate Member and runs her own financial services consultancy specialising in governance and external affairs.

She was previously Corporate Services Director at Unum and her responsibilities included audit,
risk and compliance, legal, premises, PR and external affairs.

Tel: 01293 862125
Email: joanne.hindle@orange.net

Stuart Tragheim
Deputy Chairman

Stuart is Director, Distribution Strategy & Business Development at LV= .

Before taking his current position, Stuart was with the ABI from January 2001 to May 2005,
initially as Raising Standards Director and then subsequently as HR Director.

Tel: 01202 503072
Email: Stuart.Tragheim@lv.com

Steve Payne
Treasurer

Steve is Health Assurance Director for BUPA and joined the company in August 2004.
Steve is responsible for developing BUPA’s Individual Protection and Group Risk business, including, Critical Illness,
Income Protection and Life Assurance.

Prior to joining BUPA Steve was Deputy Chief Executive at Revios and was involved in setting up the business from 1996.

Tel: 0117 984 2515
Email: paynest@bupa.com

Bernard Brown
Associate Member

Up until the end of 2009 Bernard Brown was Corporate Development Director of Just Retirement Ltd, a specialist UK life assurance group focusing on the provision of financial services to those at and in retirement.

Prior to this, Bernard was Chief Executive of the Britannic Insurance Companies within the Resolution Group.

He is a Fellow of the Institute of Actuaries and a member of the Regulatory Decisions Committee of the FSA.

Bob Cheesewright
Zurich Financial Services (UKISA) Limited

Bob Cheesewright DMS, BSc studied Plant Bio-chemistry at Queens University, Belfast.

Bob is Group Risk Proposition Director for Zurich Assurance.
Prior to that he has a history of roles in marketing and product development in the protection sector.

He has an active interest in 'best practice' in group insurance, disability management and rehabilitation
and has contributed to several insurance industry papers on these topics.

Colin Gunney
Sun Life Financial of Canada

Colin is a Chartered Accountant and Chartered Tax Advisor.
He is Head of UK Tax at Sun Life Financial of Canada and currently has responsibility for all areas of UK taxation,
including VAT and policyholder tax issues.

He has worked within the industry for over 30 years, mainly involved with all tax issues affecting Insurance Companies
and is regularly involved in consultations with Revenue bodies.

Edward Stuart- Brown
Friends Provident plc

Ed Stuart Brown joined Friends Provident in 1992 and was appointed Head of Protection in 2006.

Ed is responsible for the development of the long-term protection proposition strategy for the UK with primary accountability
for the development and implementation of the business plan for protection sales.

Frank Fletcher
Associate Member

Frank has been in the financial services world since the early 1970s with providers,
distributors and in research and marketing consultancy.

He is now an independent consultant specialsing in marketing and distribution issues
with a particulet focus in third party Issues - EBC, IFA, partnerships.

John Moret
Suffolk Life

John is Director of Sales and Marketing at Suffolk Life which is a specialist SIPP provider and now part of the L&G Group.
He is a non-practicing actuary and has worked in the pensions industry for nearly 40 years.

He was the inaugural chairman of the SIPP Provider Group - now known as AMPS - and is known in the industry as Mr SIPP.
John has worked closely with Government and regulators on a range of issues.

He was a keen supporter of the original pensions simplification proposals - but the failure to deliver has convinced him that
control of pensions policy should sit outside of Government.

Mike Morrison
AXA Winterthur Wealth Management

Mike joined Winterthur in 1990 and is Head of Pensions Development.
Mike liaises with various industry bodies with regard to developing pension products and their accessibility to consumers.
He also spends a lot of time talking to advisers about pensions and financial planning issues.

He is on the committee of the Association of Member Directed Pension Schemes (AMPS), in addition to being an Associate of the Pensions Management Institute.
He has a LLB and an LLM in European law focussing on pensions.

Mike is an accomplished writer and speaker and is a regular speaker at industry events and in the past has spoken for SIFA, IFP, PFS amongst others.

Phil Smallwood
Associate Member

Phil is a Director of a consultancy and a virtual Gp Life office giving support
for IFAs who provide Group Life benefits to small to medium companies.

Sue Valler
Associate Member

Sue is Compliance Director for a global asset management company.
Sue is a compliance professional with a comprehensive knowledge of FSA requirements relating to retail business in particular,
life assurance, investment forms and IFAs.

The foundation of Sue's experience is in the aquistion of new business, client service administration and broker liaison.

Ron Wheatcroft
Swiss Re

Ron is Technical Manager at Swiss Re Europe SA UK Branch.
He works closely with product providers in the UK and Ireland looking at how regulatory
and legislative change will impact on their businesses.

He has led Swiss Re's work in identifying and quantifying the Life assurance and Income Protection Gaps in the UK.

Veronica France
Family Assurance

Veronica has over 25 years experience in financial services and is a Non-Executive Director of Family Assurance.

Since 1992, Veronica has also run The Oak Consultancy which specialises in helping financial services companies
develop their businesses with new propositions and products.

She has a keen interest in regulatory initiatives.