Specific Stop Loss Coverage

Specific stop loss is available for 50 or more covered employees.  It is offered as a stand-alone product, or in addition to our carriers’ aggregate stop loss coverage. 

We also offer a range of deductible levels – from $20,000 to $500,000.

Specific Advancement

Specific Advancement is included in all quotes.  Claims in excess of the specific deductible will be advanced by the insurer – you will not have to fund the claim dollars over the specific deductible level and wait for reimbursement.

Aggregate Stop Loss Coverage

While specific stop loss insurance protects you against individual catastrophic claims, aggregate stop loss insurance limits the overall annual claims liability for the self-funded plan as a whole.  This protects you against fluctuations in claims frequency or severity.

We offer aggregate corridors of 120%, 125%, and 130% of expected claims.

Aggregate Advancement

Your aggregate liability is capped on a year-to-date basis – this helps to protect your cash flow, allowing the monthly allocation for claims to be efficiently budgeted.

Ancillary Coverage

In addition to our stop loss coverage, we work with premier carriers of Basic Life/ Accidental Death and Dismemberment (AD&D), Supplemental Life, Dependent Life, and Short and/or Long Term Disability coverage.

We also offer unique risk products, such as:

Limited Benefit Group Health Plans

Organ and Tissue Transplant

Travel Assistance

Retiree Carve-Out Medical

Single Premium Paid-Up Life

Kidnap and Ransom

Business and Travel Accident

Long Term Care