WHAT WE DO

WE are a managing general underwriter (MGU) specializing is stop loss insurance for self-funded employer-employee benefit medical plans. We underwrite specific and aggregate stop loss coverage for various types of groups. Some of the types are as follows:

• Larger Employer Groups (>250 employees)

• Unions (True Unions)

• Associations

• PEO’S

• Schools

• Municipalities

• Medical Providers (Hospitals, Clinics, Doctor Groups)

HOW WE DO IT

• We have one of the most sophisticated state-of-the-art software systems that tracks, processes, and produces quotes, proposals, and business booking. This enables our staff to apply the art and science of underwriting in order to meet the needs of the client and broker.

• This same system enables us to process premium, pay commission and keep accurate accounting records of our accounts

• Our claim department is able to process and track claims which allows them to be responsive to the contract and the needs of the client

• The resultant management reports accurately depict:

  CLOSING RATIO
  LOSS RATIO
  TRIANGULATIONS
  RESERVING

WHO WE DO IT WITH

Carriers: We currently represent one of the largest carriers in the Business, Lloyd's of London

Reinsurers: Our carriers are currently reinsured by financially strong A+ re-insurers

Brokers: Our network of brokers offer sophisticated advice and service in the placement of stop-loss coverage

TPA’S: The TPA's with which our brokers place business are the best in the country. They offer accurate and timely claim adjudication, accurate and thorough reports, and quality service.

WHO WE DO IT FOR

To strengthen the self-funded industry
To increase the market share of self-funded accounts
To enable the self-funded accounts to maintain the freedom of designing a medical plan that fits their needs above those of the state (mandated benefits)
To help clients maintain the appropriate and favorable tax treatment for their benefit plan