Millstream perceptive underwriting

Faces and names…


We work hard to build a team with the mix of talents that will serve you well.

The lined faces are testimony to years of hard-earned experience balanced by the flush of youthful exuberance.  We’ve brought in some younger people too!

Please contact any of us to discuss your next opportunity or if you’re interested in being part of our story.

Martin Mills

Martin Mills ACII  

Non-Executive Chairman, Millstream Underwriting

T: +44 (0) 207 626 2414
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​Martin has over 30 years insurance industry experience. He developed Millstream to become a leading affinity accident & health insurance provider in the UK, insuring in excess of 500,000 people every year. Prior to establishing Millstream, Martin spent 11 years at Home and Overseas Insurance Company with responsibility for the sales, development and underwriting teams.
Martin is Chairman of the Travel Insurance Industry Committee.

Tim Brangwyn

Tim Brangwyn ACII  

Managing Director, Millstream Underwriting

T: +44 (0) 207 626 2403
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Tim joined Millstream in 2016. He has 30 years experience acquired across a range of operational and management roles in both underwriting and broking businesses in the UK regional commercial insurance market.​

Lynda Calloway

Lynda Calloway ACII F.InsTT  

Business Manager, Millstream Underwriting

T: +44 (0) 203 362 4414
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Lynda joined Millstream in February 2013 with over 25 years experience in the travel insurance industry. Having worked a number of years with Eagle Star’s travel ​subsidiary, Home and Overseas, Lynda became Claims Director of Claims International Ltd (a business of the specialist Loss Adjuster, Cunningham Lindsey). Lynda is accredited with Chartered Insurance Practitioner status.

Roberto Amati

Roberto Amati  

Director, Millstream Underwriting

T: +44 (0) 207 626 2381
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Rob joined Millstream in August 2018 with 20 Years’ experience in the financial services sector in a variety of leadership, sales and underwriting roles. Prior to joining Millstream he spent 10 years at RSA working in the regional commercial insurance market.

Paul Lancaster

Paul Lancaster Cert CII  

Operations Manager, Millstream

T: +44 (0) 203 362 4415
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Paul joined Millstream’s Client Support and Operations team in 2007. Within his role he undertakes responsibility for liaison with the FCA and Financial Ombudsman Service. Prior to Millstream, he worked for 7 years in the UK travel insurance sector in both direct and broker driven travel teams. Paul has a BA in History from the University of Otago, New Zealand.​

Mark Copsey

Mark Copsey Cert CII  

International Development Manager, Millstream

T: +44 (0) 207 626 2426
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Mark joined Millstream in 2014 having worked in the insurance industry for over 25 years, the last 16 being in the London Market (Underwriting and Lloyd’s broking). Operating in Personal and Commercial Lines markets, his expertise extends across the accident and health sector. Mark has built a strong understanding of the global insurance market having placed business in the UK and across the world, including Europe, Asia, Australia, the Middle East and Africa.​

Mahabubur Rajib

Mahabubur Rajib  

Deputy Financial Controller

T: (0) 203 362 4420
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Rajib joined Millstream in June 2016 as Deputy Financial Controller. Prior to joining us he gained 4 years experience in a number of finance roles on behalf of a London-based charity whilst continuing his ACCA professional exams. Rajib graduated from Oxford Brookes University in Applied Accounting, is passionate about many sports, particularly cricket, and enjoys travelling.

Ashleigh Henderson

Ashleigh Henderson  


T: +44 (0) 20 3362 4409
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Ashleigh joined us in July 2016 bringing nearly 10 years of insurance & underwriting experience. Prior to joining Millstream Ashleigh was at Ageas in London where he spent 5 years as part of their underwriting team gaining expertise in UK Group and Individual Personal Accident, Business and Leisure travel risks.

Ashleigh now focuses on Employee Benefits Personal Accident & Travel schemes and Specialist UK Retail Travel schemes.

Olivia Clark

Olivia Clark  

IBA Technician

T: +44 (0) 203 33624412
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Olivia joined Millstream’s Finance team in November 2016 bringing her passion for numbers and 3 years of experience in a similar business. Studying for the Association of Accounting Technicians professional qualifications, Olivia brings added enthusiasm and determination to the team as well as a personal interest in cooking and running.

Simon Hoskin

Simon Hoskin Cert CII  

Business Operations Co-Ordinator

T: +44(0) 207 626 2443
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Arriving at Millstream from Axa in July 2016, Simon has added 4 years of claims management experience to the team together with an eye for detail and an enthusiastic customer service ethos. Responsible for managing the day to day performance of our partners, he is helping us further develop our claims proposition for the benefit of all our partners.

Having initially trained as a chef under the expert eyes of Jamie Oliver, the culinary world’s loss is the insurance industry’s gain.

Katie English

Katie English Cert CII  

Junior Underwriter

T: +44 (0) 203 011 5646
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Katie added further expertise to our underwriting team in November 2016. Already qualified to Cert CII level, she brings several years of experience in a broking environment and a determination to continue to develop both her knowledge and our capabilities. Outside work she is a keen badminton player.

Dan Hallmark

Dan Hallmark  

Senior Underwriter - Accident and Health

T: +44 (0) 20 3011 5703
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Daniel joined Millstream in June 2017 to lead the underwriting team and brings with him nearly 15 years insurance industry experience. He joins us from Aviva where he was most recently the UK Affinity & Employee Benefits Manager. Prior to that Dan was an Accident & Health underwriter at ACE Group.

Dan is a Hammers fan, enjoys most sports and is juggling his professional exams with a busy work & home life.

Aaron Williams

Aaron Williams Dip CII  


T: +44 (0) 20 3019 1105
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Aaron joined the underwriting team in June 2017 from Compass where he was Senior Underwriter for 5 years. With more than 12 years underwriting experience gained with insurers, MGAs and brokers, Aaron brings a rounded perspective and bags of Personal Accident, Travel and Life expertise.

Outside work Aaron is a football fan (a Gooner) and enjoys playing the guitar.

Samantha O’Connor

Samantha O’Connor  

Project Manager

T: +44(0) 203 011 5614
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Sam has worked in the insurance industry for over 18 years with a project management and customer centric background, Sam has marketed new initiatives to existing and new clients, developed and launched new products and websites.

Sam has an extensive knowledge of the pre-existing medical travel insurance market and developed a screening system to risk assess medical conditions.

Outside of work Sam focuses her time on her young family and has become a master Lego builder and is learning to do a cartwheel!