Self-Employed Health & Life Insurance Consultant

Cheltenham, Gloucestershire (Hybrid / Remote with local client field requirements)

Self-Employed / Independent Contractor (Commission & Renewal Fee Model)

£5,000 – £10,000+ per month (Based on performance and recurring renewal growth)

Financial Services / Insurance Brokerage / Healthcare Advisory

Summary:

On behalf of our retained client, we are actively sourcing an ambitious, entrepreneurial Self-Employed Health & Life Insurance Consultant to capture market share in Cheltenham and the wider Gloucestershire region. This opportunity is tailor-made for driven insurance or financial services professionals who want to control their own schedule, build an independent portfolio spanning Private Medical Insurance (PMI) and Life Insurance, and target a realistic net earning bracket of £5K to £10K+ per month through lucrative initial commissions and compounding renewal streams.

Key Responsibilities & Deliverables

• Conduct comprehensive financial, health, and protection needs analyses for high-net-worth individuals, families, and regional corporate/SME clients.
• Source, evaluate, and present tailored health insurance (PMI) and life protection solutions across leading UK providers.
• Spearhead local networking initiatives in Cheltenham to build a sustainable, self-generated client acquisition pipeline.
• Structure robust group healthcare plans and family income benefit policies, managing annual renewals and client adjustments.
• Maintain strict adherence to regulatory guidelines (FCA) and internal governance standards throughout the client advisory lifecycle.

Essential:

• Proven background in health insurance, life insurance sales, PMI broking, or commercial financial advisory.
• Solid understanding of underwriting models (e.g., Moratorium, FMU) and protection product structures.
• High-level consultative selling, negotiation, and relationship-management capabilities.
• Autonomous, resilient, commercially minded, and financially driven by uncapped performance.

Highly Desirable Criteria

• Established local client portfolio or previous experience running an independent broker desk.
• Professional qualifications (e.g., CII IF7 Healthcare Insurance, DipFS, or equivalent).
• Proficiency with modern CRM architectures and insurance quotation engines.
• Deeply rooted professional network within the Cheltenham and South West business community.

Benefits of the Role

• Enjoy a lucrative remuneration model based on upfront and recurring commission structures.
• Complete control over your working hours, schedule, and business strategy.
• Opportunity to build your own client portfolio and establish an independent brokerage.

If you are interested and have the relevant experience, please apply with an up-to-date copy of your CV. As champions of diversity and inclusion in the workplace, THOMAS Professional commit to reviewing applications we receive with complete fairness and equality.

At THOMAS Professional, we are committed to creating an inclusive and accessible recruitment process. If you require any reasonable adjustments during the application or interview process, please let us know, and we’ll be happy to accommodate your needs.

THOMAS Professional is acting as an agency on behalf of the client for this position.

THOMAS Professional is proud to be a corporate member of the REC, the recruitment industry's leading professional body.

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