Health Advisor
Welcome to the Health Advisor
Health Advisor is the most effective way for financial planners to participate in the private medical insurance market. There has never been a better or more appropriate time for advisers to be looking at new revenue streams or widening their client proposition. Our proposition is simple, straight forward and highly relevant to your firm.
Independent Health Care Solutions Limited
IHCS has been advising individual and company clients for over 20 years. The company was founded in 1995 and since then we have established a reputation for technical excellence combined with a proactive approach to taking care of our clients’ needs. IHCS has strong Yorkshire roots but has now grown into a nationally recognised specialist healthcare intermediary.
In 2010 we made a strategic decision for the company to actively engage with the financial planning community. This important step forward saw IHCS working very closely with selected financial planning firms, introducers and associated firms to provide expert advice and assistance on health insurance and health related services.
IHCS has a strong team of advisers and administrative staff supporting our Health Advisor proposition. We are led by our Managing Director, Philip Nielsen, who founded the company and our Sales & Marketing Director, Jim Jackson, who oversees Health Advisor and our relationships with financial planning firms.
The company is a corporate supporter of the Chartered Institute for Securities and Investment (CISI) and we are proud members of the British Insurance Brokers Association (BIBA). We currently have a large number of financial planners who have come to rely on our advice when advising their clients on private medical insurance.
IHCS remains proud of its fully independent status, impartiality, technically excellent advice and its highly client-focused proposition.
Health – an essential part of the Financial Plan
Experience has shown us that discussing your clients’ health requirements and being able to provide appropriate solutions is exactly what your clients expect. The experienced financial planner brings together expertise from different disciplines and blends them into one consistent, evolving financial plan. Health is a very important part of that plan and IHCS can deliver when it comes to individual or company advice. We believe that your clients will have already made health insurance part of their plan and we just want to ensure that the business is held by you. It is all about enabling you to offer a comprehensive service to your clients by utilising our technical expertise.
What does Health Advisor provide?
- Comprehensive advice based on an annual ‘whole of market’ review
- Maximising income from your existing client base
- Lowering the compliance burden for your firm
- Responsibility for Training & Competency and Professional Indemnity
- We are a trusted low risk partner
- Protection of your core life, pensions and investment business
Scope of Services
Health Advisor provides the following services for your clients:
- Specialist advice on personal PMI for individuals
- Tailor-made solutions for PMI for companies
- Dental Insurance
- Company Travel Insurance
- Employee Assistance Programmes (EAP)
- Health Screening
- Hospital Cash Plans
- International PMI
Compliance & Risk
Don’t forget that we take full responsibility for all our advice. All training and competency issues are handled by IHCS and, as an authorised and regulated intermediary, we can remove much of the regulatory risk.
What can you earn from Health Advisor?
Typical Example (Individual Business)
An existing individual policyholder is introduced to IHCS. They move to a more appropriate provider offering an initial 50% commission.
Annual net premium = £1000
Core Commission earned by IHCS = £500
Payment to Introducer @ 30% = £150
Introducer Testimonials
“At Emery Little, we’ve been delighted with the service provided by Sam Townsend and his team at Independent Health Care Solutions. Over the past year, we’ve introduced many clients to their services, receiving excellent feedback.
PMI is crucial for our clients, offering peace of mind and financial security. Sam’s team has consistently helped them achieve significant savings and improved coverage. Our clients appreciate the personalised approach and expert guidance.
We’re grateful for the partnership with Sam Townsend and look forward to continuing our collaboration to provide the best health care solutions.
Many thanks”
Alfie Mullan“I’ve had the pleasure of working with IHCS for several years, and I’ve been consistently impressed by their professionalism, expertise, and dedication to providing high-quality private medical insurance advice.
IHCS has been a valuable partner to my company. They’re a trusted and reliable provider, and I highly recommend them.”
Lance Baron“I have worked with IHCS for 2 years now and have referred my clients to Sam for advice and consultation on PMI (new and existing clients). Sam is always efficient and professional and provides my clients with not just expert advice in this area but also educated my clients on the value of reviewing your cover every few years in an effort to reduce their monthly premium. In some cases, has saved my clients thousands of pounds a year while securing suitable cover for my clients and their families. I look forward to continuing the excellent relationship we have with IHCS and my clients continuing to receive the best advice in this area for their situation.”
Philip Roche