Comparing PMI brokers for your team? We’ve shortlisted the best PMI brokers for UK employers, from traditional advisers to modern platforms that handle the admin too.
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If you want a broker that also handles the admin, Kota is the only option on this list that does both. For traditional whole-of-market advice, Drewberry and Lifepoint Healthcare are consistently well-reviewed. Need cover for an internationally mobile team? Engage Health Group and Anderson Health are your best bets.
Here’s a summary (read on for the details):
Most traditional PMI brokers are built around getting your policy set up.
They find you a good deal, place the cover, earn their commission, and check in at renewal. What happens in between (when someone joins or leaves, or when your headcount doubles) that typically lands back with you.
You're not just looking for someone to find you a good policy. You need a broker who understands group schemes and knows how to handle a workforce that's constantly changing size.
In this piece, we'll share the 12 best PMI brokers, evaluated against what matters to HR teams at scaling companies.
As an FCA-licensed broker, Kota sources, sets up, and renews group PMI for scaling companies across the UK and Ireland. Three years in, we've retained almost every customer we've ever signed.
This list draws on our deep knowledge of the market. We'll start with an in-depth look at how Kota helps scaling employers procure and manage group PMI. Then cover the traditional brokers worth considering depending on your needs.
HR teams at scaling companies have specific requirements that the traditional broker model wasn't built for. Specifically, you need:
Kota was designed to procure and manage policies in one system, removing the need for scaling companies to coordinate between three separate systems: a broker for procurement, a platform for administration, and an HRIS that doesn't talk to either of them properly.
HR teams using Kota save 12–15 hours a month previously spent on manual updates, spreadsheet reconciliation, and chasing insurers.
Here’s how Kota addresses the requirements mentioned above:
As a licensed broker, Kota compares, procures, and renews your group PMI cover directly across providers including Vitality, Bupa, and Allianz. When your cover needs to change mid-year, you won't have to chase your broker or contact the provider directly. Kota connects directly to insurers through API integrations, so cover changes flow through the platform and changes reflect in real time.
When someone joins your team or leaves it, Kota's HRIS sync updates your insurer automatically. It works with HiBob, Personio, BambooHR, and others, so there are no spreadsheets to update and no manual notifications to send. That also means no risk of ex-employees remaining on your policy and quietly inflating your premium, which is a more common and costly problem for HR teams.
Kota handles renewals proactively, preparing comparison quotes well ahead of your renewal date. You get a clear view of your options before any deadline pressure kicks in, rather than receiving a quote a few days before you're locked in.
Premium increases of 15–30% at renewal are common, and without enough notice to shop the market properly, most employers end up accepting whatever they're offered. Kota gives you the time and the comparison data to make a considered decision.
Your people access their cover through Kota's employee app, where they can see exactly what they're covered for, submit claims, and manage their benefits without going through HR. That means fewer questions landing on your desk and a benefit that actually earns its place in your package, rather than one employees forget they have.
For a modern tech or SaaS company, it also means a benefits experience that matches your brand rather than a PDF buried in an onboarding email.
As a broker, Kota charges no additional consulting fees. For the Kota platform, seats are priced on a per-employee basis, with more tailored options for larger businesses.
Kota facilitates the entirety of your benefits programme in one integrated system. To see exactly how Kota handles it end to end, get a free benefits review.
That said, traditional PMI brokers remain a solid option for many employers, particularly if you have a dedicated HR team to handle the ongoing admin. So, we compiled a list of other PMI brokers for you to consider.
Drewberry is a whole-of-market broker covering group PMI, pensions, income protection, and life cover. Founded in 2009, they became a trading name of Brown & Brown in 2025, operating under Premier Choice Group. The adviser model and day-to-day team remain unchanged, so your point of contact stays consistent.
Rated 4.92/5 and Best Health Insurance Adviser at the 2025 Health & Protection Awards.
Employers who want specialist whole-of-market advice and a dedicated adviser they can return to, particularly if group PMI is part of a broader benefits conversation.
Commission-based, no fee to your business.
Howden Life & Health is a panel-based health and life insurance broker, claiming access to the largest panel of life and health insurers in the UK. As part of the broader Howden Group, they have the scale to access products and pricing that smaller independents may not. If your needs go beyond group PMI to include life cover and income protection, Howden can handle it all under one relationship.
Rated 4.9/5 across 11,046 Trustpilot reviews.
Employers who want access to a large insurer panel and a broker with the scale and relationships to negotiate competitive terms, particularly if you're consolidating multiple cover types.
Commission-based, no fee to your business.
Towergate Employee Benefits is a whole-of-market broker and one of the UK's largest employee benefits advisers, with over 15,000 business clients. Group PMI sits at the heart of their offering, alongside income protection, life cover, and dental. They recently rebranded to Everywhen, bringing them under the broader Ardonagh Advisory umbrella. The team, expertise, and employer-focused service remain unchanged.
Highly commended at the 2025 UK Health & Protection Awards in the Best Group Health Insurance Advice Firm and Best Group Risk Protection Advice Firm category.
Employers who want a whole-of-market specialist with deep group health and protection expertise and a national presence across the UK.
Commission-based, no fee to your business.
Engage Health Group is an independent, whole-of-market employee benefits broker founded in 2016 and based in Brighton. They serve SMEs and corporate businesses across the UK and internationally, covering group PMI alongside life, income protection, and global health insurance. If your team is distributed across multiple countries and you want a single broker relationship to cover everyone, Engage handles both domestic and international schemes.
Rated 4.6/5 on Trustpilot. Won Best International Group Advice Firm at the UK Health & Protection Awards for three consecutive years.
Scaling companies with UK-based employees and internationally distributed or mobile teams who want both domestic and international health cover handled by one broker.
Commission-based, no fee to your business.
Lifepoint Healthcare is an independent PMI broker based in the North London/Hertfordshire area, founded in 2014. They cover individual and business health insurance, with a strong reputation for personal service and adviser expertise. Their award recognition goes back consistently. They won Outstanding Client Engagement at the COVER Excellence Awards in 2023, before sweeping three major industry awards in 2025.
Rated 4.9 on Trustpilot across 196 reviews.
SMEs who want a highly personalised service from an independent, award-winning broker, particularly where individual attention and adviser expertise matter more than scale.
Commission-based, no fee to your business.
Regency Health is an independent PMI specialist based in Cheltenham, founded in 2010. They work exclusively as the agent of the client, not the insurer — providing impartial advice across the market without charge or obligation. Their focus is PMI only, with no other product lines, so their expertise is concentrated in one area.
Won Best Individual PMI Intermediary at the Health Insurance Awards five times and Protection Review's Health Insurance Adviser of the Year four times, most recently in 2021.
Small businesses and employers who want impartial, no-obligation PMI advice from an independent specialist with a long track record.
Commission-based, no fee to your business.
Anderson Health is an independent broker based in the City of London, founded in 1996. They advise SMEs, corporates, law firms, and city institutions on group PMI, alongside expat and international health cover.
With representation across Brazil, South Africa, Qatar, Dubai, India, China, Hong Kong, and Singapore, they're a broker with genuine global reach. All clients have direct access to a partner of the firm, regardless of company size.
No Trustpilot profile. Client testimonials on their website span over a decade and include named corporate clients, citing consistent service.
Employers with internationally mobile or expatriate employees who want a single broker to handle both UK group PMI and international cover, with direct partner-level access throughout.
Commission or fee basis. Anderson Health can work either way depending on client preference.
Globacare is an independent health and life insurance broker based in Bournemouth, covering group PMI, life insurance, and income protection for SMEs and individuals. Their reputation is built around service quality and proactive renewal management.
Advisers contact clients ahead of renewal with comparison quotes rather than waiting for you to chase. For smaller employers who want a broker that stays engaged throughout the year rather than just at setup, Globacare is worth considering.
Dozens of five-star reviews on the Working Feedback platform.
Employers who want an independent broker with a strong service reputation and a proactive approach to renewals, particularly smaller businesses that want ongoing attention rather than a set-and-forget relationship.
Commission-based, no fee to your business.
Ascend Health is the health insurance division of Ascend Broking Group, based in Chelmsford, Essex. Established in 2013 (incorporated as ASCEND HEALTH LTD), they advise businesses from SMEs through to corporate on group PMI and employee benefits as specialised insurance brokers delivering UK-wide and international solutions.
Shortlisted for Best Small Protection Advice Firm at the UK Health & Protection Awards 2025, with recognition as a growing broker in the employee benefits space.
Employers who want a fast-growing broker with expertise across group PMI, from SME through to corporate level, backed by the resources of Ascend Broking Group.
Commission-based, no fee to your business.
Switch Health is a Cheltenham-based PMI specialist founded in 2013, covering both individual and company health insurance. In 2024 they were acquired by Partners&, a growing UK insurance broker group, though the Switch Health team and service remain unchanged. With over a decade in the PMI market, they bring consistent adviser expertise to both personal and group schemes.
Rated 4.9/5 on Trustpilot across 2,119 reviews. Nominated in seven categories at the 2025 UK Health & Protection Awards.
Employers who want a well-established, highly rated PMI broker with a long track record and strong customer satisfaction credentials.
Commission-based, no fee to your business.
Sherwood Healthcare is an independent health insurance intermediary based in Essex, with 20 years of experience in the market. They specialise in group employee benefits, covering domestic and international PMI, group life assurance, group income protection, dental, and cash plans. And they work with all leading insurance providers.
No Trustpilot profile. Shortlisted at the 2025 UK Health & Protection Awards in the Best Group Health Insurance Advice Firm category.
Employers who want an independent specialist with broad group benefits expertise, particularly those looking to consolidate multiple employee benefits alongside PMI under a single broker.
Commission-based, no fee to your business.
Every broker on this list can help you find and place group PMI cover. Where they differ is in how renewals are managed and how joiners and leavers are handled.
If you want a traditional broker relationship with a dedicated adviser, Drewberry, Lifepoint, or Regency Health are all strong options. If scale and national reach matter, Towergate Employee Benefits or Howden Life & Health are worth a closer look. And if your workforce spans borders, Engage Health Group or Anderson Health cover both domestic and international schemes.
But if you want a PMI broker that also handles the administration, automates your HRIS sync, and gives your employees direct access to their cover—that's Kota. Get a free benefits review and we'll show you how it works for a team like yours.
Going direct to an insurer means you're getting one quote, from one provider, on their terms. A broker compares across multiple insurers on your behalf, which typically translates to better pricing, broader cover options, and someone in your corner if things need to change mid-year or at renewal.
Brokers are paid a commission by the insurer you choose, so there's no direct cost to you as an employer. The trade-off with going direct is that you lose the independent perspective that a broker provides.
Most PMI brokers are paid a commission by the insurer whose policy you take out. That commission is built into the premium, so there's no separate fee charged to you as an employer. Some brokers, particularly those working with larger organisations, operate on a fee basis instead, or a combination of both.
Either way, you're entitled to ask your broker how they're remunerated before you commit. Transparency on this point is a reasonable expectation, and any reputable FCA-authorised broker should be able to answer it clearly.
A whole-of-market broker can, in principle, access any insurer in the market and is not restricted to a preferred list of providers. A panel-based broker works from a selected list of insurers they have relationships with. That can still be a wide and competitive panel, but it isn't the entire market.
In practice, the distinction may matter less. A panel-based broker with strong relationships across the major UK health insurers will often secure comparable terms to a whole-of-market broker. What matters more is whether your broker is genuinely shopping the market on your behalf and presenting you with a fair comparison, rather than defaulting to a preferred provider relationship.
A few questions worth asking before you commit to any broker:
How they answer these questions will tell you a lot about how the relationship will work in practice.
With a traditional broker, updating your insurer when employees join or leave is typically your responsibility. The broker sets up the scheme and renews it annually, but the mid-year admin (notifying the insurer of headcount changes, removing ex-employees from the policy, and ensuring new starters are enrolled) usually falls back to your HR or People team.
This is a common source of ongoing admin burden for scaling companies, and lapses can be costly here. Employees who have left the business can remain on a policy for months if the insurer isn't notified promptly, quietly inflating your premium. Kota automates this through a direct HRIS sync, so your insurer is updated automatically when your headcount changes.
Trevor Gardiner QFA, RPA, APA in Insurance. With 23 years of experience in Financial Services, I have a strong passion for Health Insurance and Pensions.
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