19/02/2026
How Lifepoint Negotiates Better Rates with Insurers
A common question we hear is, “How can a broker actually get better rates than going direct?”
Here’s what happens behind the scenes at Lifepoint.
We understand the market
We work with all the major UK health insurers, day in, day out. That means we know how pricing works, where there’s flexibility, and when an insurer is likely to sharpen their pencil.
We present your risk properly
Insurers price on risk. We make sure your business or personal profile is positioned accurately and fairly, so you’re not overpaying due to missing or misunderstood information.
We compare the whole market
Rather than defaulting to one provider, we run full market reviews and challenge insurers to compete for your business.
We negotiate, not just quote
We don’t simply pass on prices. We push back, query increases, and negotiate terms, especially at renewal when premiums often creep up.
And our service doesn’t cost you extra
Our advice and negotiation are built into the policy, meaning you get expert support without paying broker fees on top.
The result?
Cover that fits, fewer surprises at renewal, and better value over the long term.
If you’re reviewing your policy or frustrated by rising premiums, it might be worth a conversation.