Private Medical Insurance Switch Adviser in Cirencester

Achieve OTE £70,000 - £100,000+ with high quality inbound leads and no cold calling. Are you an experienced Private Medical Insurance adviser with a strong background in policy switching, renewals or retention? Usay 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.

This 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

Usay Compare is one of the UK’s leading comparison services for Health and Protection Insurance, trusted by thousands of customers every year. We 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

You 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. Using 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. This 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. All customer opportunities are provided, with no cold calling required.

What the Role Looks Like

• Advising existing PMI policyholders who are considering switching insurer.
• Reviewing current policy terms, renewal premiums and customer objectives.
• Completing detailed fact-finds covering medical history, previous underwriting, claims and ongoing or planned treatment.
• Assessing whether switching is appropriate and identifying suitable insurer and product options.
• Working with switch underwriting arrangements, including Continued Personal Medical Exclusions and continued moratorium terms where available.
• Comparing key policy features such as hospital lists, outpatient cover, excesses, cancer benefits, therapies and additional services.
• Clearly explaining any differences between the customers existing cover and a proposed replacement policy.
• Managing switch applications from initial enquiry through to policy inception.
• Maintaining accurate records and delivering consistently good customer outcomes.
• Working towards challenging but rewarding quality, conversion and sales targets.

About You

We are particularly interested in speaking with candidates who have worked as a:

• Private Medical Insurance Switch Adviser.
• PMI Renewals Adviser.
• Health Insurance Retention Adviser.
• Individual PMI Sales Adviser with demonstrable switch experience.
• PMI Broker, Consultant or Account Executive advising individual customers.

You will ideally have:

• Previous advised sales experience within UK individual Private Medical Insurance.
• Practical experience completing insurer-to-insurer PMI switches.
• A sound understanding of switch underwriting and continuity of cover.
• Knowledge of Continued Personal Medical Exclusions, moratorium underwriting and full medical underwriting.
• Experience reviewing claims, exclusions and existing policy terms before making a recommendation.
• The ability to identify when remaining with an existing insurer may be more appropriate than switching.
• Strong knowledge of individual PMI products, benefit structures and insurer propositions.
• Excellent consultative questioning and objection-handling skills.
• A customer-focused approach and a strong understanding of the importance of clear, suitable recommendations.
• A proven record of performing against sales, quality and compliance measures.
• Resilience, self-motivation and a desire to maximise your earnings.
• Renewals or retention experience would be particularly relevant where your role has involved reviewing alternative insurers and completing advised switch business.

Why Join Us?

• £35,000 basic salary plus uncapped commission.
• Realistic OTE of £70,000 - £100,000+.
• High-quality inbound customer opportunities.
• No cold calling.
• The opportunity to specialise in and help grow our PMI switch proposition.
• Access to an established insurer panel.
• Structured induction covering Usay Compare’s systems, panel and advice process.
• Ongoing product, underwriting and compliance development.
• Supportive, experienced and high-performing colleagues.
• Defined opportunities for career progression.
• An established and growing business with strong lead flow.

What We Offer

• Life Assurance (4x basic salary)
• Group Income Protection
• Pension scheme with 6% employer contribution
• 26 days holiday + bank holidays
• Performance incentives and rewards
• Long service recognition
• Paid volunteering day
• Additional retail, technology, eyecare and lifestyle benefits

Apply Now

If 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.

If 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.