Broker Vitality

If your firm has previously registered for Broker Vitality, your Broker Principal will just need to complete your opt-in preferences for 2012.  If your firm hasn't registered before, your Broker Principal needs to complete a registration form and submit it to broker.vitality@pruhealth.co.uk.

To qualify for Broker Vitality rewards, your firm needs to be actively working with PruHealth.  At least one registered individual must take and pass an online product assessment, and your firm must have written a minimum of five cases in the past 12 months.

Once your firm has met these 'Active Broker' criteria, you can start earning Broker Vitality points. Point earning activities have been divided into five categories with each category subject to a limit on the number of points a firm can earn each Broker Vitality year.  The more points you earn, the higher your Broker Vitality status.

Each quarter, we calculate the Broker Vitality points your firm has earned.  The more points you earn, the higher your Broker Vitality status.  The higher your status, the more business and individual rewards your firm has access to.

If your firm is not already registered for Broker Vitality, your Broker Principal will need to register your firm by completing a Broker Vitality Registration Form and sending it to broker.vitality@pruhealth.co.uk.
A Registered Individual can only earn points on behalf of their Broker firm. To redeem certain rewards it is necessary for Registered Individuals to be registered on the PruHealth website.

We firmly believe that Broker Vitality is a clear, fair way of recognising and rewarding your business. However, firms can opt out of hospitality events and registered individual rewards, if they so wish. This means they can still benefit from rewards such as training, marketing support and SME leads, subject to their Broker Vitality status. We would remind you that all firms are responsible for ensuring that they have appropriate internal controls and arrangements in place to ensure that they comply with all applicable laws and regulations, in particular, Chapter 2.3 of the Financial Services Authority's Insurance: Conduct of Business Sourcebook (ICOBS).

However, firms can opt out of hospitality events and registered individual rewards, if they so wish. This means they can still benefit from rewards such as training, marketing support and SME leads, subject to their Broker Vitality status.

Firms also have the opportunity to opt out of the Sales and Retention points earning categories. Doing this will limit the firm and the Registered Individuals to Silver status rewards.

We capture opt-in preferences from existing Broker Vitality firms during the first quarter of the year.  New firms can express their preferences on the Registration Form.

By registering for Broker Vitality, your firm agrees to the terms and conditions set out below.

1. Broker Vitality commences on 1 January of each year and will run until 31 December of the same year (the 'Broker Vitality Year'). All firms registered for Broker Vitality are entitled to earn Broker Vitality points for the duration of the Broker Vitality Year. Where your firm registers for Broker Vitality during the Broker Vitality Year, your firm will be entitled to earn Broker Vitality points from the date of registration for Broker Vitality to the end of the Broker Vitality Year. PruHealth reserves the right, in its absolute discretion, to award Broker Vitality points to firms that register for Broker Vitality during the Broker Vitality Year in respect of activities conducted by such firms during the period between 1 January and the date of registration. Such awards shall be purely discretionary and shall not be taken to set a precedent.
2. To be entitled to start earning Broker Vitality points, a registered firm must also qualify as 'an Active Broker' by meeting the following minimum criteria:
        - at least one registered individual must have completed and passed an online product assessment during the Broker Vitality Year; and
        - the firm must have written a minimum of 5 cases in the past 12 months.
3. To earn Broker Vitality points, an Active Broker must conduct the activities described in the 'How to Earn Broker Vitality Points' section of Broker Vitality 2011 The award of Broker Vitality points will be subject to the conditions and limitations explained in the same section.
4. Broker Vitality points will not be carried over to the next Broker Vitality Year. An Active Broker's status after the fourth quarter of the current Broker Vitality Year will be carried over to the next Broker Vitality Year. An Active Broker must continue to earn Broker Vitality points during the course of the next Broker Vitality Year to maintain that status. An Active Broker's status can go down if the number of Broker Vitality points required to maintain the status is not achieved in the next Broker Vitality Year.
5. To claim Broker Vitality rewards, an Active Broker or registered individual must comply with the procedures and conditions described in the 'Broker Vitality Rewards in Detail' section of Broker Vitality 2011
6. Provision of a specific reward is subject to the availability of that specific reward. There may be instances where Vitality rewards are significantly enhanced, changed or withdrawn. The revisions may occur if PruHealth's Vitality partners offer additional services or become unable to maintain their services to us, or where PruHealth adds Vitality partners to the programme.
7. By agreeing to participate in the Broker Vitality programme, your firm:
        - accepts that it is responsible for ensuring that it has appropriate internal controls and arrangements in place to ensure that it complies with all applicable laws and regulations including, in particular, Chapter 2.3 of the Financial Services Authority's (FSA's) Insurance New Conduct of Business Sourcebook (Inducements); and
        - acknowledges the importance of avoiding and managing conflicts of interest.
8. Neither PruHealth nor your firm intends that any provision of these terms and conditions should be enforceable, by virtue of the Contracts (Rights of Third Parties) Act 1999, by any person other than PruHealth and your firm. For the avoidance of doubt, no registered individual engaged by your firm shall be considered a party to these arrangements.
9. PruHealth's liability under these terms and conditions shall be limited solely to the provision of the rewards set out in the 'Broker Vitality Rewards in Detail' section of Broker Vitality 2011. To the extent permitted by law, PruHealth shall not be liable to your firm, to any registered individual, employee, agent or representative of your firm or to any other person who receives the benefit of any reward ('Beneficiary'), for any loss, damage or injury of any kind sustained by your firm or such Beneficiary as a consequence of, or in connection with, your firm or such Beneficiary taking advantage of any reward provided under Broker Vitality. PruHealth accepts no liability for the acts or omissions of any third-party provider of Broker Vitality rewards. Where a specific reward involves a service to be provided by a third party, the responsibility for entering into an agreement with that third party for the provision of that service is that of your firm alone. Such agreements shall be between your firm and the respective third-party provider and PruHealth shall not be regarded as a party to such agreements. PruHealth's liability will be limited to refunds to your firm for the purchase of the relevant reward or, in the case of Champneys Health Resorts, Cineworld and the Health Screens, to secure the availability of a subsidised reward, subject to the conditions and any limits imposed by PruHealth on the availability of such reward.
10. These terms and conditions and the terms contained in Broker Vitality 2011 constitute the entire agreement between your firm and PruHealth in relation to Broker Vitality. These terms and conditions are without prejudice to the respective rights and obligations of your firm and PruHealth under the standard terms of business between your firm and PruHealth under which your firm shall earn commission in relation to business introduced to PruHealth (the 'Broker Terms'). The Broker Vitality rewards shall be provided to your firm in addition to any remuneration to which your firm is entitled to pursuant to the Broker Terms.
11. PruHealth shall be entitled, at its sole discretion, to change any aspect of Broker Vitality, including the terms upon which any reward may be provided to an Active Broker, subject to the provision of reasonable notice to your firm. Any changes to Broker Vitality to be made within a Broker Vitality Year will be communicated to your firm at least 42 days before the changes take effect, unless this is made impossible by factors outside our control. PruHealth is not prevented from applying changes to the terms of Broker Vitality for each new Broker Vitality Year.
12. PruHealth shall be entitled, at its sole discretion, to withdraw any reward or to suspend or cancel Broker Vitality in its entirety in respect of firms generally either:
         - at the end of any Broker Vitality Year by notifying firms in advance of the end of that year that Broker Vitality will not be renewed the following year; or
         - during a Broker Vitality Year, upon written notice to the registered firms.
13. PruHealth shall be entitled to withdraw any reward or to suspend or cancel Broker Vitality in respect of your firm in the event that:
         - your firm goes into liquidation, enters into a composition with creditors, has an administrative order made against it, threatens or ceases to pay its debts, or has an administrative receiver or similar official appointed over it or its assets;
         - your firm, or any registered individual of your firm, fails to comply with any of the conditions set out in Broker Vitality 2011
         - either PruHealth or your firm has any licence or regulatory permission or registration withdrawn, suspended or cancelled;
         - the continuation of Broker Vitality or the provision of rewards to your firm or any Beneficiary would prevent PruHealth from complying with any law, regulation or requirement imposed upon it by a regulatory authority of competent jurisdiction;
         - the Broker Terms between PruHealth and your firm are terminated or expire;
    PruHealth has reasonable grounds to suspect that a claim for rewards by your firm or any Beneficiary is related to fraudulent activity; or
         - the continuation of Broker Vitality or the provision of rewards to your firm or any Beneficiary would, in PruHealth's absolute opinion, be likely to result in harm to PruHealth's brand, trademarks or Intellectual Property ('IP') or the IP of PruHealth's parent companies or the members of their groups of companies.
14. In the circumstances described in clauses 12 or 13 above, PruHealth shall cease to be liable to your firm for the continued provision of rewards under Broker Vitality and these terms and conditions shall be deemed to have terminated.
15. Subject to compliance with the conditions described in each reward, PruHealth will make payment to your firm where applicable within 60 days of receipt by PruHealth of a proper invoice.
16. PruHealth reserves the right to amend or withdraw these terms and conditions at any time.
17. The laws of England and Wales govern these terms and conditions and the parties submit to the exclusive jurisdiction of the English Courts.