Sales Insurance Adviser (Switch)

Usay Compare; City Of London; On-site; GBP 28,000 - 42,000; Full time

Job summary

Usay Compare is expanding its specialist PMI switch capability and seeks experienced advisers to review existing PMI, assess underwriting positions and guide customers through insurer switches. You will evaluate cover, claims history and priorities before recommending suitable alternatives across our insurer panel.

The role emphasizes more than price, with responsible guidance on underwriting, exclusions, benefits and policy terms to help customers make informed decisions.

Qualifications

• Experience advising on UK Private Medical Insurance (PMI) switches.
• Ability to review policies, underwriting positions and renewal terms.
• Strong consultative questioning and customer-focused approach.

Responsibilities

• Advise PMI policyholders considering switching insurer.
• Review current cover, renewals, and policy objectives.
• Complete fact-finds and assess switching suitability.
• Coordinate switch underwriting arrangements and exclusions.
• Compare insurer benefits and provide clear recommendations.
• Manage applications from enquiry to policy inception.
• Deliver compliant, high-quality customer outcomes while meeting targets.

Skills

PMI switch experience

Consultative questioning

Sales & compliance focus

Renewals/retention experience

Policy review

Job description

Are you an experienced Private Medical Insurance adviser with a background in policy switching, renewals or retention? Usay Compare is expanding its specialist PMI switch capability and is looking for experienced advisers who can review existing cover, navigate switch underwriting and help customers make informed decisions about moving insurer.

The Opportunity

You'll speak with customers who already hold Private Medical Insurance and are considering their options, often following a renewal increase or change in circumstances. Using a consultative fact-find, you'll review their existing policy, medical underwriting position, claims history and priorities before comparing suitable alternatives from across our insurer panel. This is about more than price. You'll help customers understand the implications of switching, including differences in underwriting, exclusions, benefits, hospital access, excesses and policy terms.

What You'll Do

• Advise existing PMI policyholders considering switching insurer.
• Review current cover, renewal premiums, claims history and customer objectives.
• Complete detailed fact-finds and assess whether switching is appropriate.
• Work with switch underwriting arrangements, including Continued Personal Medical Exclusions and continued moratorium terms where available.
• Compare insurers and key policy benefits to make clear, suitable recommendations.
• Manage applications from initial enquiry through to policy inception.
• Deliver strong customer outcomes while achieving quality, compliance and sales targets.

You’ll ideally have:

• Previous advised sales experience within UK individual Private Medical Insurance.
• Practical experience of insurer-to-insurer PMI switches.
• A sound understanding of switch underwriting, continuity of cover, CPME, moratorium and full medical underwriting.
• Experience reviewing claims, exclusions and existing policy terms before making recommendations.
• Strong knowledge of individual PMI products and insurer propositions.
• Excellent consultative questioning and objection-handling skills.
• A proven record against sales, quality and compliance measures.
• A customer-focused approach, resilience and motivation to maximise your earning potential.
• Renewals or retention experience is particularly relevant where you have reviewed alternative insurers and completed advised switch business.

Why Join Us?

If you're an experienced Private Medical Insurance professional with switch, renewal or retention expertise, we'd love to hear from you. Join Usay Compare and play an important role in growing our specialist switch proposition while helping customers make informed decisions about their healthcare cover. Usay Compare, part of Everywhen, is an equal opportunities employer committed to creating an inclusive working environment where everyone can reach their full potential. Successful applicants will be subject to relevant pre-employment checks, including verification of recent employment, address and credit history, together with a standard criminal-record check.