’OneBefore is poised to usher in a new era of insurance excellence and sustainable value,’ says chief executive 

OneBefore, a new managing general agent (MGA) that specialises in consumer insurance, has been launched, a statement released today (7 November 2023) said.

The firm, which was founded by Vered Lobel, is based in London and will primarily focus on providing accident, absence, health and travel insurance for individuals, groups and small businesses in the UK.

It has been launched with the backing of Mission Underwriters and will receive long-term capacity from Accelerant Insurance Europe.

“With its dynamic approach, rooted in robust underwriting, efficient claims management and growth-oriented solutions, OneBefore is poised to usher in a new era of insurance excellence and sustainable value,” Adrian Morgan, chief executive of Mission Underwriters UK and Europe, said.

”We are thrilled to partner with OneBefore, leveraging our resources and expertise to support Vered’s vision and meet the demands of a rapidly evolving insurance landscape.”


Prior to founding OneBefore, Lobel was the head of UK underwriting, personal accident and travel at AIG UK.

Her goal is to collaborate with brokers ”to create value adding insurance that really addresses the concerns of consumers today”.

As part of this, the MGA will leverage experts in actuarial and underwriting to assess risk, structure deals and streamline the market entry process.

And to further improve efficency for consumers, the MGA said it could reduce product development time from weeks to days.

“Our vision is clear – we want to make insurance accessible to everyone while ensuring that our brokers and partners can focus on what they do best,” Lobel said.

”Our mission is to offer comprehensive protection solutions that are simple to understand and priced fairly.

”We believe in developing meaningful products that address genuine needs, truly serving the purpose they were designed for. We look forward to working closely with our brokers and distribution partners, leveraging our collective strengths and providing modern insurance solutions to consumers and businesses.”