Start with the arrangements you have
Bring your renewal dates, a list of the benefits you provide and the work that needs attention. We set out the proposed service, the information needed and the steps for appointing us.
Changing broker and changing insurance cover are separate decisions. The appointment process depends on the provider, policy and timing. We confirm the steps for your arrangements before you decide.
Between renewals
Agree who keeps employee and policy information current, handles insurer questions and prepares the next renewal. Record the responsibilities and the information the employer needs to provide.
- Member changes. Agree how joiners, leavers and other changes are reported and followed through with the provider.
- Insurer questions. Keep track of administration and claims queries, the outstanding information and the person following each one through.
- Information for employees. Keep benefit explanations, documents and claim contacts current, with an agreed contact for questions.
We cannot promise that a claim will be accepted or how long a provider will take.
Before a renewal decision
Review the service and arrangements, gather the information available from providers and agree what needs to be considered. We explain the options and their limits, then confirm the agreed actions and what employees need to know.
Timing depends on the scheme and provider. Some policies have multi-year rate guarantees. A renewal does not always mean changing insurer or cover.
Our role
We agree the broking work and the people responsible for it. We do not provide pension advice, fund selection, scheme governance or auto-enrolment compliance.
Our broking is paid by commission from the insurers, which is typically already built into the premiums an employer pays. Appointing us does not add a fee or a new cost line. What commission applies depends on the insurer and the product, and we set out the specific arrangement in writing before you commit to anything.
This page describes our service in general terms. The work agreed for your organisation depends on your policies, providers and circumstances. It does not confirm cover, entitlement to a claim or the outcome of a renewal.