Private Medical Insurance Switch Adviser
Job Description
Achieve OTE £70,000£100,000+ with high quality inbound leads and no cold calling.
\nAre you an experienced Private Medical Insurance adviser with a strong background in policy switching, renewals or retention?
\nUsay Compare is expanding its specialist switch capability and is looking for accomplished PMI professionals who understand how to review existing cover, navigate switch underwriting and help customers make informed decisions about moving insurer.
\nThis is an opportunity to use your existing industry knowledge in a high-performance environment with strong earning potential, quality inbound opportunities and the support of an established health insurance comparison service.
About Usay Compare\nUsay Compare is one of the UKs leading comparison services for Health and Protection Insurance, trusted by thousands of customers every year.
\nWe provide clear, expert advice to help customers make confident decisions about their cover. Our advisers benefit from an established brand, a broad insurer panel, strong lead flow and a supportive environment in which experienced insurance professionals can maximise their potential.
The Opportunity\nYou will speak with customers who already hold Private Medical Insurance and are considering their options, often following a renewal increase or a change in their circumstances.
\nUsing a detailed, consultative fact-find, you will review the customers existing policy, medical underwriting position, claims history and priorities before comparing suitable alternatives from across our panel.
\nThis is not simply a price-comparison conversation. You will help customers understand the implications of switching insurer, including any differences in underwriting, exclusions, benefits, hospital access, excesses and policy terms.
\nAll customer opportunities are provided, with no cold calling required.
What the Role Looks Like\nAdvising existing PMI policyholders who are considering switching insurer.
\nReviewing current policy terms, renewal premiums and customer objectives.
\nCompleting detailed fact-finds covering medical history, previous underwriting, claims and ongoing or planned treatment.
\nAssessing whether switching is appropriate and identifying suitable insurer and product options.
\nWorking with switch underwriting arrangements, including Continued Personal Medical Exclusions and continued moratorium terms where available.
\nComparing key policy features such as hospital lists, outpatient cover, excesses, cancer benefits, therapies and additional services.
\nClearly explaining any differences between the customers existing cover and a proposed replacement policy.
\nManaging switch applications from initial enquiry through to policy inception.
\nMaintaining accurate records and delivering consistently good customer outcomes.
\nWorking towards challenging but rewarding quality, conversion and sales targets.
About You\n
We are particularly interested in speaking with candidates who have worked as a:
\nPrivate Medical Insurance Switch Adviser.
\nPMI Renewals Adviser.
\nHealth Insurance Retention Adviser.
\nIndividual PMI Sales Adviser with demonstrable switch experience.
\nPMI Broker, Consultant or Account Executive advising individual customers.
\nYou will ideally have:
\nPrevious advised sales experience within UK individual Private Medical Insurance.
\nPractical experience completing insurer-to-insurer PMI switches.
\nA sound understanding of switch underwriting and continuity of cover.
\nKnowledge of Continued Personal Medical Exclusions, moratorium underwriting and full medical underwriting.
\nExperience reviewing claims, exclusions and existing policy terms before making a recommendation.
\nThe ability to identify when remaining with an existing insurer may be more appropriate than switching.
\nStrong knowledge of individual PMI products, benefit structures and insurer propositions.
\nExcellent consultative questioning and objection-handling skills.
\nA customer-focused approach and a strong understanding of the importance of clear, suitable recommendations.
\nA proven record of performing against sales, quality and compliance measures.
\nResilience, self-motivation and a desire to maximise your earnings.
\nRenewals or retention experience would be particularly relevant where your role has involved reviewing alternative insurers and completing advised switch business.
Why Join Us?\n£35,000 basic salary plus uncapped commission.
\nRealistic OTE of £70,000£100,000+.
\nHigh-quality inbound customer opportunities.
\nNo cold calling.
\nThe opportunity to specialise in and help grow our PMI switch proposition.
\nAccess to an established insurer panel.
\nStructured induction covering Usay Compares systems, panel and advice process.
\nOngoing product, underwriting and compliance development.
\nSupportive, experienced and high-performing colleagues.
\nDefined opportunities for career progression.
\nAn established and growing business with strong lead flow.
What We Offer\nLife Assurance (4x basic salary)
\nGroup Income Protection
\nPension scheme with 6% employer contribution
\n26 days holiday + bank holidays
\nPerformance incentives and rewards
\nLong service recognition
\nPaid volunteering day
\nAdditional retail, technology, eyecare and lifestyle benefits
Apply Now\nIf you are an experienced Private Medical Insurance professional with switch, renewal or retention expertise, we would be delighted to hear from you.
Usay Compare, part of Everywhen is an equal opportunities employer, with a growing and thriving diversity, equity and inclusion strategy; we are committed to a working environment that is free from discrimination, is inclusive, and empowers our people to bring their whole self to work and reach their full potential.
\nIf your application is successful, we will conduct relevant employment checks prior to you commencing employment with us. These will include verifying your recent employment, address, credit history and a standard criminal record check.
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