Most companies pay for benefits their people never use. We're the broker that fixes that. The insurers pay us, so it costs you nothing extra.
Insurance benefits get bought once a year. The other 51 weeks are when employees need them, when a manager's team is going through it, and when finance asks what the wellbeing line bought. Keeping those benefits visible and useful for the rest of the year is part of the broker's job. We don't treat it as a separate product, and we don't bill it as an extra. The broker who places your PMI, GIP, cash plan and pension is the one who gives you the software to keep them easy to find and use.
We place and look after your insurance benefits: renewals, claims advocacy, insurer negotiations, plan design changes, joiners and leavers, the lot. This is the standard broker work, in place all year, every year. The other three rows below are what we treat as part of the same job.
Your people get the Benefits Hub: PMI, GIP, life cover, cash plan, EAP, pension, all in one place. One log-in, one screen, plain English. So when someone needs a physio appointment or a counselling session, they find it instead of asking HR or going without.
Quick Pulse is a short, anonymous check-in your people can take whenever. It tells the HR team where workload, stress and mental health are heading, without survey fatigue and without anyone seeing individual answers. We report at the team level, never the person level, and we point you to the benefits already in your package that can help.
When the check-in flags something, a team carrying too much, a run of low mood, money worries building, we point people to the help already sitting in their benefits. Physio through the cash plan. Counselling through the EAP. A GP appointment through the PMI. People get sent to what helps while it still matters, instead of finding out months later it was there all along. HR only sees the team-level picture. What a person flags stays private to them.
When the renewal letter lands, we sit down and walk through what was claimed, what got used, what got missed, and where next year should go. You go into the board meeting with the outcomes next to the premium, so the conversation is grounded in what the spend bought.
We're paid commission by the insurers, the same way every UK broker is paid. We don't charge a broker fee, a management fee, or a platform fee. The software comes with the broking relationship. That's it.
All Toogether Ltd, registered in Manchester. We're an appointed representative of Sante Partners Ltd (FCA 914023), authorised and regulated by the Financial Conduct Authority. That gives you a real complaints process and the regulatory protections you'd expect from any other broker.
Our 2026 Wellbeing & People Strategy Blueprint. A free working document for HR Directors that sets out the structure of a UK workplace wellbeing strategy: the legal grounding, the evidence base, and how a programme is governed. Open it and read it. No email gate. Read at /blueprint →
The people who pitch your account are the people who look after it day to day. Zak Fenton founded Alltoogether after twenty years inside two of the largest UK benefits brokers, then went back to Nottingham for an MSc in Workplace Health & Wellbeing (Distinction). Rachel Connell heads client programmes after nearly a decade advising UK employers on benefits. Direct contact, year after year.
Bring us your last renewal letter, your headcount, and a rough sense of what you're paying for. In 30 minutes we'll tell you what we'd change, what we'd keep, and what the year between renewals would look like if you came to us. No fee. No follow-up unless you ask for one.