The most seamless way to manage insurance through Happl is to appoint us as the broker of your policies. When Happl is your broker, we’re able to fully automate enrolment, reporting, and support - removing the need for you to act as the middle person between your employees and your insurer.
What It Means for Happl to Become Your Insurance Broker
When Happl acts as your broker:
Area | Your Responsibility | Happl’s Responsibility |
Employee enrolments and changes | No action required | ✅ Automatically managed based on eligibility rules |
Reporting to insurers | No more emails or spreadsheets | ✅ Happl submits all required updates |
Supporting employees with policy understanding & claims | No need to mediate | ✅ Employees can come directly to Happl for help |
Keeping records aligned for payroll/tax | No manual reconciliation | ✅ Happl ensures data is always current |
Policy renewals | No need to track or negotiate | ✅ Happl manages renewals, liaises with insurers, and ensures continuity of cover |
In short - you stay informed, but Happl does the work, including ensuring your cover is renewed on time with the best terms possible.
Insurance Policies Happl Can Manage
Happl can act as your broker across a wide range of group and voluntary employee benefits, including:
Private Medical Insurance (PMI)
Dental Insurance
Health Cash Plans
Life Assurance
Income Protection
Critical Illness Protection
Whether you have a single policy or a full suite, we can centralise and simplify the process - including managing renewals and ensuring uninterrupted cover.
How to Transfer Your Brokerage to Happl
Moving your policy under Happl is straightforward - and we handle most of the work for you.
1. Complete the AMII Letter of Authority
This allows us to speak to your current broker and insurer on your behalf.
2. We Coordinate with Your Existing Broker & Insurer
Happl will:
Request current policy terms, premiums, and membership lists
Confirm renewal dates and reporting requirements
Ensure there’s no disruption to cover during the transfer
3. We Implement Your Rules in Happl
Your Account Manager will help define:
Eligibility rules (e.g., probation, job bands)
Dependent inclusion
Enrolment windows & life events
Once approved, these rules are automated in the platform.
What Happl Manages Once We’re Appointed as Broker
After the transfer is complete, Happl takes full responsibility for:
Employee enrolments
Employee terminations
New dependents to add
Dependents to remove
Data changes (e.g., name, address, email)
Policy renewals and insurer communication
Secure reporting to insurers
We also ensure all records stay fully aligned across payroll, tax reporting, and your live insurance report in Happl, so there are no gaps at renewal or throughout the year.
Ready to Explore the Move?
Whether you’re currently using an external broker or managing renewals internally, your Happl Account Manager can walk you through the options and timeline for transferring to us.
Just reach out to your Account Manager - or let us know and we’ll get the process started for you.