We built this
because the industry
needed it.
The employee benefits industry charges management fees on top of insurer commission. It charges platform fees to display what people are already paying for. It sends a welcome pack and disappears until renewal. We thought that was wrong.
So we built Alltoogether - a commission-only broker with a built-in platform, year-round communication, and the Intelligent Wellbeing Engine included as standard. Not as an upsell. Not as a premium tier. As the baseline.
See if we're a good fit →The commission-only model aligns our incentives with yours. When we negotiate better rates and better coverage, you win - and we keep your business longer. That's the only model that makes sense.
- Zak, Founder
Real people.
No call centres.
No runaround.
When you work with Alltoogether, you work with us - directly. No account managers reading from scripts. No "I'll get back to you" that never comes. Just a small, senior team that knows your business and picks up the phone.
Leads Alltoogether's vision and strategy. Extensive background in employee benefits at both intermediaries and insurers. Obsessed with technology and takes an evangelical approach to evidence-based workplace health & wellbeing..
Keeps our clients happy and their benefits working. Almost a decade advising SMEs on employee benefits strategy, with hands-on experience across the full design and implementation process. Passionate about ensuring employees feel rewarded and recognised.
Shapes everything you see - brand, voice, and visual identity. 40+ years in the creative industry spanning brand strategy, design and storytelling. Speaker and guest lecturer. Brings the Alltoogether brand to life and ensures we communicate clearly across every channel.
Keeps the Alltoogether OS safe and secure. 40+ years designing high-availability, high-performance computing systems. Experience includes the UK National Insurance System, US and Middle Eastern immigration systems, and tier 1 banking platforms.
Chocolate lab. Brings a football to every meeting. Has never read a policy document but maintains exceptional team spirit.
Black lab. Still in training - both for obedience and for not chewing the compliance manuals. Excellent listener.
Not different
for its own sake.
Different for yours.
Every differentiator below is a direct response to something that's wrong with how most employee benefits brokerage works. We didn't invent these distinctions - we just chose not to ignore them.
See if we're a good fit →Fully authorised by the Financial Conduct Authority. You have regulatory protections and a complaints process - not just a contract.
We earn commission from insurers - the same as every broker. We don't charge a management fee, platform fee, or advisory fee on top. Ever.
Your employee benefits hub, total reward statements, and year-round communication campaigns - all included. Not a premium add-on.
The IWE uses validated measurement - not an NPS survey or an engagement score. PHQ-9, GAD-7, WHO-5, and the JDR framework. Included as standard.
Three things
we never
compromise on.
We tell you exactly what we earn from your policies. We tell you when we think you should switch providers. We tell you what's working and what isn't. No hidden fees, no buried small print.
Every wellbeing claim we make is backed by validated research. The IWE uses validated thresholds, not gut feel. We report effect sizes, not vibes. In a world of fluffy HR metrics, we do actual measurement.
We're not a vendor you review at renewal. We're a partner you build with - continuously finding ways to get more from what you already have, and bringing new thinking as your organisation evolves.
Let's talk about
your business.
30-minute call. We'll review your current benefits, tell you what we'd do differently, and let you decide if it's worth switching.