Sante Partners

What Sante Partners does

Sante Partners Ltd is a UK-based specialist network for Appointed Representatives (ARs) operating in the Private Medical Insurance (PMI) and Employee Benefits market. Founded in 2019 by three PMI industry veterans—Adam Sherring (Sante Assure), Paul Nugent (Nugent Sante) and Paul Bradley (Halo Consulting)—the firm is directly authorised and regulated by the Financial Conduct Authority (FCA Number 914023) and registered with the ICO (ZA714908). Its core offering, marketed as 'Brokerage in a Box', is a turn-key platform comprising a purpose-built cloud CRM and live quoting system (delivered via partnership with Archangel Software), compliance support, a professionally designed and hosted AR website, mentoring from senior management, lead generation, whole-of-market product access, transparent commission payments, and an exit-planning/novation service, all provided with zero monthly fees to the AR.

The company's commercial model is transaction-based: Sante Partners earns commissions on insurance premiums written through its distributed AR network across Private Medical, Life, Critical Illness and Permanent Health Insurance for consumers, alongside Employee Benefits, Corporate Protection and Group Health for businesses, with International Health Insurance offered for expatriate and cross-border clients. ARs receive generous commission splits settled twice-monthly with daily reporting. GTM is relationship-led—direct outreach by Senior Management, confidential one-to-one consultations, and inbound via the company website—targeting three AR archetypes: new brokers, existing ARs considering a network switch, and whole-of-market brokerage professionals.

In 2022 Sante Partners acquired healthplan.co.uk, a leading UK private health insurance comparison website, extending its digital consumer-facing footprint and lead-generation capability beyond the AR channel. Operational headcount sits in the 11–50 band with dedicated compliance monitoring, operations, finance, digital brand, and broker-support functions. The company operates from Affpuddle Manor in Dorset, UK, and is privately held by its three founders with no institutional or external investment disclosed in the source material.

Name

Sante Partners

Legal name

Sante Partners Ltd

Website

https://santepartners.co.uk

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Sante Partners is a UK FCA-authorised specialist network that recruits insurance brokers as Appointed Representatives, providing turn-key CRM, compliance, quoting and mentoring services for Private Medical Insurance and Employee Benefits under a no-monthly-fee commission model.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Network

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)

Keywords

• Private medical insurance
• Employee benefits network
• Insurance brokerage services
• Appointed representative network
• PMI distribution

Headquarters

HQ city

Dorchester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Commissions: Sante Partners earns commissions from insurance products sold through their network of Appointed Representatives. ARs receive generous and transparent commission structures with daily reports and twice-monthly payments. No monthly fees are charged to ARs.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

Sante Partners operates a specialist Private Medical Insurance (PMI) and Employee Benefits network in the UK, recruiting insurance brokers as Appointed Representatives (ARs). It provides a turn-key 'Brokerage In A Box' service package — including a purpose-built CRM, live quoting system, compliance support, branded website, mentoring, lead generation and transparent commission structures — with no monthly fees, enabling ARs to sell PMI, life, critical illness, permanent health, and corporate employee benefits policies under Sante Partners' FCA authorisation.

Product overview

Sante Partners is a specialist Private Medical Insurance (PMI) and Employee Benefits network offering a unified 'Brokerage In A Box' platform for Appointed Representatives. The core offering centers on this comprehensive solution, which packages together multiple integrated modules: a purpose-built CRM System with live quoting capabilities, Compliance Support, Website Ready (professionally designed websites), Mentoring from industry veterans, Commission Structure with transparent reporting, Whole of Market Access, Lead Sourcing services, and Exit Plan assistance. All services are provided with no monthly fees. The company also acquired healthplan.co.uk in 2022 to expand its digital presence in the UK private health insurance market.

Differentiator

Problem solved

Functional benefit

Products and services

• Brokerage In A Box

Quantifiable outcome

• Nugent Sante achieved £25,000,000 API in nine years following Sante Partners' philosophy

Named customers1 record

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• healthplan.co.ukcoreStrategic or Co-development Partner · 1 January 2022In 2022, Sante Partners acquired healthplan.co.uk, a leading UK private health insurance website. This acquisition strengthens the network's digital presence and lead generation capabilities.
• Archangel SoftwarecoreTechnology or IntegrationArchangel Software provides the cloud CRM and quoting system used by Sante Partners and its Appointed Representatives. The system streamlines sales processes, automates tasks, and is designed specifically for insurance brokers.
• Nugent SantecoreStrategic or Co-development PartnerPaul Nugent's brokerage Nugent Sante, which achieved £25,000,000 API in nine years. Paul co-founded Sante Partners and brings expertise in building profitable brokerages based on client-first philosophy.
• Sante AssurecoreStrategic or Co-development PartnerAdam Sherring's specialist brokerage operation. Adam has 30 years experience as a specialist broker and has been instrumental in building two previous PMI networks. He is the Managing Director of Sante Partners.
• Halo ConsultingminorStrategic or Co-development PartnerPaul Bradley of Halo Consulting co-founded Sante Partners, contributing expertise in consulting and business development.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• PIB Group: UK listed insurance broker services group that owns multiple AR networks and broker brands. Comparable as a major acquirer of AR networks and brokers in the UK, directly competing for the same pool of independent broker talent.
• Howden Group Holdings: Global insurance group with a large UK retail and AR broker footprint including health and employee benefits. Comparable as the dominant specialist broker consolidator that Sante explicitly positions against.
• Aston Lark: Large UK commercial insurance broker and AR principal formed through repeated roll-ups of regional broker networks. Comparable to Sante Partners as a much larger incumbent offering an AR / network proposition across many more product lines.

Direct peers

• One Broker Insurance: UK independent insurance brokerage focused on commercial and personal lines, including private medical and employee benefits. Comparable to Sante Partners as another mid-market UK broker / network competing for the same SME and individual PMI customer.
• Premier Group Services: UK specialist insurance broker network providing compliance, IT and support infrastructure to appointed representatives and brokers across personal and commercial lines. Closely comparable to Sante Partners in the AR-network / 'brokerage in a box' model targeting health and protection lines in the UK.
• Berkeley Insurance Group: UK insurance broker network providing ARs with compliance, training and technology support across commercial and personal lines. Operates the same principal/AR economic structure as Sante Partners and competes for the same broker-pool in the UK.
• Jensten Group: UK insurance broker network and MGA platform that on-boards ARs and member brokers, providing compliance, training and back-office support. Operates a similar FCA-authorised principal / AR network model to Sante, including within health and protection.
• The Insurance Factory: UK AR network providing appointed representatives with compliance, technology and infrastructure support across personal and commercial lines. Runs the same FCA principal / AR model that Sante Partners operates for the PMI sector.

Regional players

• SelectQuote: US insurance distribution platform that recruits and equips agents with technology, leads and support to sell health and life insurance. Comparable as a regional specialist AR/network distribution model for health insurance, although operating in the US Medicare / ACA market rather than UK PMI.
• eHealth Insurance: US health insurance marketplace connecting consumers to agents and carriers, particularly in Medicare and individual health. Comparable to Sante's healthplan.co.uk acquisition as a digital lead-generation and distribution layer for private health insurance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sante Partners