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Meet the Society’s Underwriting Team. You can speak direct to the team via our Online Chat Tool, to get the answers you are looking for.

Sue Seymour, Chief Underwriter

I manage the Underwriting Department. I am the Chief Underwriter and have a background in Underwriting and Claims.

I’m less involved in the day to day underwriting which, I actually really enjoy and more in the planning, strategy and staff development, both for my department and the Society in general. 

What do you like doing?

I enjoy following different varieties of sports, including athletics, cycling, tennis but my love lies with Football. I am a huge Spurs fan, which has got me into a scrape or two, less said the better! 

I live in a small village on the edge of the Cotswolds and love walking my 2 rescue dogs. I really enjoy getting involved and engaging with the community, helping at various activities and events in the village, such as cream teas, quiz nights (ALWAYS come 2nd !) school fetes, village show, Nativity at the farm (i.e. I am a glutton for punishment).

I enjoy travelling within the UK and abroad. Now that our daughters have moved to London we spend a fair bit of time there. I love cooking and love eating out even more, I am also quite partial to pottering around in the garden – when I get a chance!

What is your favourite quote and who is it by?

In my philosophical moments; “Our lives begin to end, the day we become silent about the things that matter” – Martin Luther King

More frequently however; “Beam me up Scottie” Captain Kirk (supposedly)

Steve Hosking, Underwriter 

As an Underwriter, my job entails assessing applications as quickly as possible in order to try and offer the best terms available to the applicant whilst ensuring the Society, and its Members, are not accepting disproportionate risks.

Over my 33 years at the Society, it is hard to come across a condition I haven’t dealt with!

What do you like doing?

I enjoy listening to classical music and keeping fit.



Emma Spencer, Underwriter 

A typical day will be spent firstly carrying out initial underwriting on new applications, which will involve looking through any disclosures made and deciding if I require any further information. Once the information is received, I will look through any medical evidence such as GP reports and tele-interviews and decide, firstly, if we can offer a contract based on the client’s medical history and, secondly, on what terms should the contract be based.

I will also help financial advisers who have pre-sales queries on aspects of their client’s medical history and give them an indication of the terms that would be likely.

What do you like doing?

I enjoy spending time with my family and friends. I live on the edge of the countryside so I can often be found walking up a hill or taking my daughter cycling on weekends. I try to keep fit by going to the gym and I have recently started practicing yoga which I love!

I am interested in nutrition and love getting inspiration for trying out new recipes. I am also getting stuck into renovating and decorating my house which has been a lot of fun so far.  

What is your favourite quote and who is it by?

“People will forget what you said, people will forget what you did, but people will never forget how you made them feel”. – Maya Angelou

Thomas Nowell, Underwriter

I am one of the members of the Underwriting Team here at Cirencester Friendly. The main aspect of my job is assessing the applications to see what information we need to underwrite, and making the decisions based on the information we have received. 

I also deal with pre-application enquires and underwriting indications with Financial Advisers.

What do you like doing?

I am really into my reading, and enjoy visiting the library to browse through the different array of books. To organise my collection, I have even built my very own bookshelf! 

What is your favorite quote and who is it by?

“Failures, repeated failures, are finger posts on the road to achievement. One fails forward toward success.” - C.S.Lewis

Sam Njoroge, Underwriter 

As an Underwriter my primary role is to assess new applications and amendments to existing contracts in order to establish the risk associated with each, whilst endeavouring to offer the best terms that I can for Applicants and our Members, adhering to the Society’s underwriting philosophy.

Working in Underwriting over the last couple of years, I have sharpened and developed my ‘sixth sense’ when it comes to evaluating risk. To aid my development in the areas of risk, and insurance in general, I am studying towards a professional qualification with the CII.

What do you like doing?

I am very much into my music and appreciate learning new songs and techniques on the piano and the guitar. I also enjoy reading and watching TV series such as G.O.T, Criminal Minds, Bones, House and CSIs.

What is your favourite quote and who is it by?

“In times of universal deceit, telling the truth is a revolutionary act” - George Orwell

Remember, you can contact the Team on 01285 652 492 Ext 8300 or email