Millstream perceptive underwriting

Our service in action…


A real pleasure and very straightforward to deal with

“Following a complete revision of the travel component of our high net worth household insurance product, AXA ART chose to work with Millstream as a partner whose values are aligned with the AXA ART ethos of providing outstanding service and flexibility to our clients. It was clear from the start that Millstream, with their extensive travel and high net worth expertise, was an excellent fit to meet this requirement and would be able to tailor a solution to meet the demands of AXA ART’s clients.

Since inception of this relationship in 2017, everyone at AXA ART has been very impressed with the Millstream team and the time they have devoted to understanding AXA ART and our clients.  Millstream has been a real pleasure and very straightforward to deal with.”

Simon White
CEO AXA ART Northern Europe, Middle East, Asia & Managing Director AXA ART Europe Limited

They operate with integrity and understand what it takes to be successful in a very competitive environment.

Howden has worked with Millstream for many years as a provider of an important component to our Employee Benefit programmes. 

We find them to be a flexible partner committed to a long-term outlook and responsive to balancing the needs of ourselves and our clients with their own.  We enjoy an open dialogue both on future product developments and on everyday operational matters be it claims or underwriting service.  They operate with integrity and understand what it takes to be successful in a very competitive environment.

Glenn Thomas
Managing Director Employee Benefits, Howden Insurance Brokers

Responsive and committed

“The True Traveller has been dealing with Millstream since early 2015.

It was apparent from the start that we were dealing with a very different sort of insurer, in as much as Millstream had a very pragmatic and commercially minded approach to our scheme. Having the advantage of being a Managing General Agent, decisions which may take others some time to come to a conclusion on, Millstream demonstrated that they were able to turn around very quickly indeed.

In the time we have been a client of Millstream, the support and advice from them has been invaluable, and Simon and his team at Leadenhall Street have contributed greatly to our success”.

Chris O’Hara

Competitive & collaborative….

“Faced with challenges from the incumbent underwriter of an existing portfolio of business, we set about finding an alternative insurer that was capable of delivering what we and our clients needed, over both the short and longer-term.

From the off, Millstream was receptive, contributing  thoughts and ideas.  Whilst individual elements of the portfolio were not necessarily ideal, they recognised the bigger picture and quickly moved from concept to cover within a few weeks.  They have participated in client meetings as well as programme design ticking all the boxes presented to them as well as the important pricing one”.

Graham Locke
Associate Director