An increase at renewal is not by itself evidence that anything is wrong. Group health and protection pricing moves for reasons that have nothing to do with your scheme, and for reasons that have everything to do with it, and the letter usually does not tell you which.
What is worth doing is finding out which, before deciding whether to move. This page is the questions.
Several of these can apply at once, which is why a single percentage tells you very little on its own.
Ask your current broker or insurer first. What comes back tells you a good deal about the service as well as about the price.
Less than people fear administratively, and more than people expect in one specific respect.
Appointing a different intermediary is usually a letter to the insurer and a standard employee data export. It does not by itself change your cover, your insurer or your terms.
The respect that catches people out is continuity. Moving insurer, rather than intermediary, raises questions about anyone currently receiving treatment, anyone mid-claim, and how pre-existing conditions are treated on the new underwriting basis. Those are the questions to settle before a move, not after, and they are covered per product in the benefit guides.
It cannot tell you whether your increase is reasonable. That depends on your claims experience, your workforce, your terms and the product, and none of those is visible from here.
It also does not promise that a review finds a better answer. Sometimes the answer is that the increase is fair and the cover is right, and that is a useful thing to know with confidence rather than to assume.
Group health and protection pricing moves for several reasons at once: your own claims experience where the scheme is experience-rated, changes in your workforce such as age profile and headcount, medical cost inflation across the market, and the insurer's own position on that product. A renewal letter often does not separate these, and asking which applies is a reasonable request.
An increase on its own is not evidence that anything is wrong. The more useful test is what your current broker or insurer says when you ask how much of the increase is your own experience and how much is the market, what alternatives were considered, and what the price would be on different terms. The quality of that answer is more informative than the percentage.
Appointing a different intermediary is usually a letter to the insurer and a standard employee data export, and it does not by itself change your cover, your insurer or your terms. Changing insurer is a bigger question, because continuity of treatment for anyone mid-claim and the treatment of pre-existing conditions on a new underwriting basis both need settling first.
This page is general information about how employee benefits are bought and renewed. It is not a recommendation, not advice about whether any arrangement suits your organisation, and not a statement about what your own policy costs or contains. How an insurer prices a product, and how any intermediary is paid on it, varies by insurer and by product. Advising on whether a particular contract of insurance suits you is a regulated activity and is a separate conversation. Alltoogether is an appointed representative of Sante Partners Ltd, which is authorised and regulated by the Financial Conduct Authority.
| Financial Conduct Authority | The Financial Services Register Supports: that an intermediary's permissions and status can be checked independently, including ours Published or updated: live register. Retrieved: 15 August 2026. Limitation: the register records permissions and status. It says nothing about the quality of any firm's service. |
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