Andrew Wibberley

Andrew has been a consultant for 5 years, having previously worked at reinsurers and insurers in and around the underwriting space. As Director of Alea Risk he’s worked with insurers, distributors, charities and tech companies to improve existing processes and propositions and introduce new ideas to help more people get protected. He was an original member of the Access To Insurance group and led the Underwriting Trust and Transparency workstream before becoming co-chair of the IPTF in 2021.


Vicky Churcher

Vicky Churcher was previously intermediary director at AIG Life having also worked as Head of Sales at Ageas and Bupa. As well as her role as Co – Chair of the IPTF, Vicky is now non-executive director at Cirencester Friendly.


Jo Miller – Co-Chair

Jo Miller has been a part of IPTF since 2013 working on the Seven Families campaign and since then providing operational support to members. Jo became Co-Chair in 2021 alongside Andrew Wibberley and Katie Crook-Davies.  Outside of the IPTF, Jo has worked for Protection Review since 2010, latterly as Director of Operations overseeing the running of digital and face to face events.   Jo previously worked as an Operations and Account Manager for the Financial Services practice at EY and before that for an international events company.

IPTF Executive Committee

Monica Garcia

Monica  brings over 17 years of clinical, vocational, research, and insurance experience, championing best practice in the UK’s Insurance market.

Through her work with insurers, third-party providers, employers and employees, Monica leads the development of evidence-based solutions, to achieve the best possible health and return-to-work outcomes.

She also has an active role in industry initiatives, speaking at conferences, and through publications, addressing the non-technical aspects of disability insurance risk management, improving access to insurance, and promoting the benefits of Vocational Rehabilitation (VR). She is a Trustee of the UK’s Vocational Rehabilitation Association, VRA.


Shaun Ware

Shaun has over 20 years of protection experience across both the individual and group protection markets across roles including marketing, propositions, and operations.

He has represented The Exeter at IPTF since 2019 and is committed to raising awareness of protection insurance and delivering exceptional customer experiences.

Rebecca Lowe


Matthew Chapman

Matt Chapman is a multi-award-winning protection adviser and coach and a passionate advocate of Income Protection. In his role as TheProtectionCoach, he has transformed the protection performance of some of the largest mortgage, protection and wealth firms in Britain, helping advisers to improve the financial resilience of countless many more households and communities. He lives in Solihull with his wife and three teenage children.


Lewis Breach

Lewis has more than 10 years experience within the protection sector and during this time has been dedicated to the training and support of advice operations. He is committed to ensuring the right outcomes for consumers by promoting understanding of all areas of protection and upskilling.