Does using an employee benefits broker cost more than going direct to the insurer?

No. The price of company health cover already includes broker commission whether you use a broker or not. If you go direct, the insurer keeps that commission. A broker is paid by the insurers, so it costs you nothing extra, and you gain a market review, renewal negotiation, claims support and plan design.

What does an employee benefits broker do that going direct does not?

A broker reviews the market, challenges and negotiates your renewal, supports claims, handles joiners and leavers, and designs the plan around your headcount, all year. Alltoogether also gives your people software to find and use their cover, included at no extra cost.

Buying your health cover direct? You're leaving money on the table.

If you buy your company health cover straight from the insurer, the price already includes a broker's commission, whether you use a broker or not. Go direct, and the insurer simply keeps it. You pay the same and get none of what it is meant to buy. A broker costs you nothing on top.

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What going direct quietly costs you

A market review

So you know your renewal is fair before you sign it, instead of accepting the first number.

Someone in your corner

Challenging the increase, negotiating the renewal, and handling claims when your people need them.

Plan design that fits

Built around your headcount and your people, not last year's template.

"But a broker costs more." It doesn't.

Going direct

With Alltoogether

Commission is built into your premium. The insurer keeps it.

The same commission pays your broker. You pay nothing extra.

No one reviews the market or challenges your renewal.

We review the market and tell you if the increase is fair.

Your people get a policy document and little else.

Your people get software to find and use their cover, included.

A broker isn't an added cost. It's value you're already paying for.

We broker your insurance benefits, and give your people the software to find and use them: an employee-facing benefits platform, year-round communication, a validated wellbeing measurement engine, and expert chat, all included as standard. Paid by the insurers, the same way every UK broker is paid. So it costs you nothing extra. No management fee. No platform fee. Ever.

See everything that's included →

Appointing us takes a letter and a two-minute export.

We handle everything else. No coverage gaps. No disruption to your employees. If your renewal is coming up, the best time to look is now.