For years, the answer to rising PMI premiums has been the same: tweak the scheme, run a screening day, add a wellbeing initiative, shift the excess. But premiums have risen for the fourth year running, and those levers aren't moving the numbers like they used to. What if the real answer was never inside the policy itself? What if the fastest way to bring premium costs down was to stop people needing to claim in the first place? Insurance was built for the serious, acute moments in someone's life. It was never designed to catch every ache, worry or flag, yet that's how a lot of workforces end up using it. The businesses pulling ahead in 2026 are the ones looking earlier in the story: at prevention, at better pathways, and at real evidence of what is actually working. In this webinar, we'll explore:
Whether you're leading HR, steering the renewal from Finance, or shaping benefits strategy for the wider business, this session will give you a clearer picture of what's driving PMI cost, and a practical set of tools to do something about it.
Joining us is Michael Whitfield, one of the most influential figures in employee benefits in the UK. He founded Thomsons Online Benefits (now Darwin) in 2000, spending two decades building the platform that redefined how employers think about reward and benefits technology before its acquisition by Mercer.
Few people have spent more time shaping the decisions that define this industry. Michael's view on the current PMI crunch is clear: sustainable premium reduction starts with prevention, not policy, and Heka is the route to take.
Hearing Michael explain why, and what he would do if he were sitting on the other side of a renewal meeting today, will be one of the most valuable forty five minutes a benefits, HR or finance leader could spend this quarter.
