A full service Managing General Underwriter of Medical Stop Loss Insurance

We are a specialty underwriter of Medical Stop Loss coverage for corporate clients and Taft-Hartley Trust Funds across the United States. Medical stop loss provides an added layer of insurance protection to employers who choose to self-fund their health benefit plans. Our stop loss specialists are among the most experienced in the United States with deep expertise in underwriting, policy issuance, and claims management. Our team has full authority to underwrite and manage stop loss business on behalf of some of the nation’s leading insurers.

Under the leadership of an experienced management team, this MGU provides proven underwriting success, quick and accurate claims management, prompt and competitive quotes, A/A+ carrier and reinsurance partners, direct back office stop loss experience, secure PHI and finally, an experienced call center to handle all needs.

Our team has full authority to underwrite and manage stop loss insurance – we are here to help.

Nick Milligan, Managing Director

We have extensive experience and knowledge in the stop loss industry with a record of profitability and success.

Dean O’toole, Managing Director

Underwriting Guidelines

  • Minimum lives: 25
  • Minimum specific deductible: $25,000
  • Minimum gross specific premium: $50,000
  • All groups must have pre-cert and large case management in place
  • Excluded groups include MEWAs, PEOs, Leasing Firms
  • No multi-year rating guarantees
  • No mandatory lasering at renewal
  • All groups must be administered by an approved TPA
  • Maximum producer commissions 15%

We are able to underwrite and issue policies, as well as manage premium billing and collections. Claims Management and adjudication, and carrier and monthly reporting are also part of our offering.