Step by step. Honest timelines. What month one through renewal week looks like, written down so there's nothing to find out the hard way.
The 30-minute review is the only thing you have to do to find out whether we'd be useful to you. It's structured so you leave with something concrete, whether you decide to switch or not.
Your last renewal letter. Your headcount. A rough sense of what you're currently paying for, across PMI, GIP, life cover, cash plan, and pension. If you don't have one of those, that's fine.
We walk through your current spend, the market alongside it, and the gaps. We'll tell you what we'd change, what we'd keep, and where the easy wins are. 30 minutes on a video call with Zak or Rachel.
A one-page written summary the next working day. Honest assessment, no commercial wrapping. If we don't think we'd add value, we say so, and recommend a broker who would.
Nothing. No fee for the review, no obligation to switch, no follow-up unless you ask us. You don't even need to tell your current broker the call happened.
Most companies think changing broker is a project. It's a letter and a data export. Your employees don't notice anything happening. Your cover continues without interruption.
One short letter per policy, on your headed paper. We send you the template; you sign and return it. The letter tells the insurer that we're now your broker on that policy. That's it from your side.
We contact each insurer, transfer the broker of record, and notify your current broker that you've appointed us. Your policies stay where they are. Your premiums stay where they are. Your cover continues exactly as it did. No re-broking, no re-underwriting, no employee paperwork.
In parallel with the broker transfer, we onboard your team to the admin portal, set up the Benefits Hub for your employees, and agree the communication calendar for the year. We pull your headcount and benefits data via HRIS export or direct integration.
Honest cadence, month by month, from onboarding to your first renewal.
Letters of appointment are with insurers, the admin portal is open for your HR team, and the Benefits Hub is live for your employees. Quick Pulse is activated so we have a baseline read. We've agreed the communication calendar with you for the year.
Benefits Hub usage has built up. The first Quick Pulse data is flowing. Expert questions from your employees are routed via in-app chat. Any policies renewing early in your cycle have already been through proactive market work.
By month six the quarterly measurement, the manager dashboards, and the routing into the benefits you already have are part of how the team runs. The quarter's data starts shaping the renewal conversation before the renewal letter arrives.
We sit down with you and walk through what was claimed, what got used, what got missed, and where the spend should go next year. The Annual Compliance Pack comes together here, so you can take it into the board meeting alongside the renewal number.
We market-test, negotiate, and confirm the plan. Cover continues seamlessly into year two. The communication calendar for next year is already on the wall. The conversation about wellbeing spend is grounded in what the data shows, not in the premium.
The money answer is short. The time answer is longer, because it's the one people don't ask about and get burned by later.
No contract period. No lock-in. No exit fee. If you decide we aren't the right broker for you, you appoint a different broker via letter of appointment, the same way you appointed us. The new broker takes over the commission from us, your policies stay where they are, and your cover continues uninterrupted.
On our side, we hand over your benefits history, your claims correspondence, your active matters, and your Benefits Hub data in good order. The exit is the mirror image of the entry. Quiet, mechanical, no drama.
Most clients don't leave because the model is aligned: when we negotiate your premium down at renewal, you keep more of your spend and we keep the relationship. But the option to leave is always there. That's the design.
Show us your last renewal letter, your headcount, and a sense of what you're currently paying for. In 30 minutes we'll tell you what we'd change, what we'd keep, and what year one with us would look like at your organisation. No fee. No follow-up unless you ask for one.