What private medical insurance advisers need from a CRM in 2026: PMI as its own product line, renewals, commission and compliance, explained.
A PMI adviser CRM manages private medical insurance clients and policies: the needs conversation, the policy arranged, annual renewals and price changes, commission, and the evidence that the advice was suitable. PMI behaves differently to life cover: it renews every year, premiums move, and clients need reviewing far more often.
Most PMI advisers also advise on life, critical illness and income protection. A CRM that holds PMI next to the rest of a client's protection gives a complete view of their cover, and a reason to talk at every renewal.
Adviser IQ records PMI as its own product line across cases, policies, reports and commission, alongside full protection advice, with a client portal and Consumer Duty evidence built in. Pricing starts from £144 per licence per month.
The best CRM for PMI advisers keeps private medical insurance as its own product line, tracks every renewal, records commission per policy and holds compliance evidence on the file. Adviser IQ does this alongside full protection advice.
Yes. A PMI CRM should show every upcoming renewal so you can review the cover before the client sees the new premium.
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