Make the first
conversation count.

Tell us what matters.

• The people, business or responsibilities you want to protect.
• Your main questions and anything that feels unclear today.
• Relevant renewal dates, planned changes or other timing concerns.

For an employee benefits conversation.

• A general employee count and the locations where your team works.
• A list of current benefits and the priorities for your next review.
• Plan summaries and general contribution information, if available.
• Enrollment, payroll or administration questions you want to discuss.

For a business insurance conversation.

• A description of your operations, locations and recent changes.
• The types of insurance you have and the dates they renew.
• Questions about property, employees, vehicles, contracts or digital risks.

For personal or family protection.

• Recent life changes and the responsibilities you want to plan for.
• The types of policies you hold and the questions you have about them.
• Your priorities for healthcare, home, income or long-term protection.

Agree on how to share details.

Start with general information. Ask HQINS for an appropriate secure method before sharing policy numbers, employee-level information, medical records or financial documents. The public consultation form is intended for a brief introduction.