Simply Zest for intermediaries
Your time is precious. Let us help.
Protection cases aren't always straightforward. That's where we come in.
Refer any client with a protection need, whether or not they have a mortgage. From straightforward applications to medically complex and non-standard cases, we provide the advice, research the market, manage the application and handle the underwriting from start to finish.
You earn a share of the commission, keep the client relationship and have a specialist team to turn to when a case isn't quite so simple.
Built around your business
Why brokers and advisers partner with us
Your client stays yours
We only advise on protection. We never approach your client about mortgages, loans, investments or anything else.
You choose how you're paid
30% of our commission with no clawback liability, or 50% with shared clawback. Switch whenever you like.
Paid within six weeks
We pay you within six weeks of receiving commission from the insurer, after the client’s first direct debit has been paid. No minimum referrals.
Whole of market
Advice across the UK protection market
Non-standard cases
Declined elsewhere? There may still be options
No minimum
Refer one client or a hundred
Clear terms
Your commission, your choice
Pick the option that suits your firm. You can switch between them at any time.
30% of commission, no clawback liability
We keep all clawback risk if a policy lapses early. Your earnings are yours to keep.
50% of commission, shared clawback
A bigger share for firms happy to share the risk. If a policy is cancelled within the clawback period, the clawback is shared.
Paid within six weeks of us receiving commission from the insurer, after the client's first direct debit has been paid. Rewarded for further business from your client too.
Commission share is calculated on the commission Simply Zest receives from the insurer. Full terms are set out in our introducer agreement.
Sophie Evans
Commercial Director
Relationship-led by design
Led by the person behind Simply Zest
Sophie created Simply Zest and leads the business day to day, overseeing everything from adviser partnerships and commercial strategy to operations and complex cases.
With 14 years' experience in life insurance, and as a self-confessed control freak, she likes to know exactly what's happening across the business and every partnership we work with.
That means you'll have direct access to someone who can make decisions, agree terms and get involved when a case needs a little more attention.
Find out more
Everything you need to start referring
01
Partnership
Commission terms, what happens to your clients and answers to the questions brokers ask most.
Why partner with us02
How it works
From referral to cover in place in four simple steps, with updates at every stage.
See the process03
Meet the team
The people who'll look after you and your clients, with direct lines for each.
Meet the teamPartnership in practice
Why do it yourself?
Whether you advise on mortgages, wealth, investments or pensions, your time is best spent on what you do best. We look after your clients' protection, keep you informed and make sure you're paid.
01
You refer
Submit the referral on our portal in minutes. Just your client's details and consent. No health information needed.
02
We advise and apply
A qualified adviser contacts your client, looks at their whole situation, researches the market and manages the application and underwriting through to cover going live.
03
You stay informed and get paid
Track every case in real time on our portal. You'll know when cover is in place, and you're paid within six weeks of us receiving commission, after the client's first direct debit has been paid.
One team around your client
Specialist advice, clear updates and a professional experience from introduction to cover in place.
Every client, every need
Every client has something worth protecting
A mortgage is one reason to think about protection, but it's far from the only one. Homeowners and first-time buyers. Renters. Parents and families. Self-employed and contractors. Landlords and business owners. Clients with complex income or medical history.
We look at the full picture and recommend cover that fits together:
Life insurance
Clear a mortgage or debts, replace lost income, cover funeral costs or leave money for children.
Critical illness cover
A lump sum on diagnosis of a specified serious illness.
Income protection
A monthly income if your client can't work due to illness or injury.
Non-standard cases
We can look at most niche or non-vanilla cases, not only straightforward ones. Examples include previous cancer, mental health, BMI, wider age ranges, international clients, diabetes, Crohn's disease, and other health complications.
We can't guarantee cover, but we'll always be honest about what's possible.
Whole of market
Whole of market advice, not a restricted panel
We research the market to find cover that suits your client's needs and budget, and explain which insurers we considered and why. Insurers we regularly work with include:
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Our portal
Refer, track and get paid in one place
Quick answers
How much do I get paid?+
30% of the commission we receive with no clawback liability, or 50% with shared clawback. You choose, you can switch, and we pay within six weeks of receiving commission from the insurer, after the client’s first direct debit has been paid.
What happens to my clients?+
They stay your clients. We only advise on protection and never approach them about anything else.
Do my clients pay for advice?+
No. There's no fee. We're paid commission by the insurer, and your client just pays their monthly premium.
Can you help clients who've been declined?+
Often, yes. We regularly place non-standard cases and will always be honest about what's possible.
Does referring remove my regulatory responsibility?+
No. We're responsible for the protection advice. You keep your own Consumer Duty obligations as the referring firm.
Work with Simply Zest