Self-funding is the most efficient financial arrangement for both large and small companies to offer benefit plans to their employees. We offer a full-range of products needed to properly reinsure a self-funded plan. Below are some of the products we offer with A Rated carriers.
Products & Services
Product Offerings:
Specific Stop Loss
Insurance protection for claims on an individual which exceeds a predetermined deductible.
- Deductibles from $25,000 to $500,000+
- Any Contract Basis: 12/12, 12/15, 15/12, 24/12, Paid, etc…
- Specific Advancement
- Terminal Liability
Aggregate Stop Loss
Insurance protection for unlikely claims on an individual which exceeds a predetermined deductible.
- Any Contract Basis: 12/12, 12/15, 15/12, 24/12, Paid, etc…
- Aggregate Accomodation
- Terminal Liability
Customized Risk Products
Our risk partners have the ability to bind coverage on non-traditional products that serve our clients.
- Captive Reinsurance
- Excess Loss Coverage
- Additional Aggregate Coverage
- Transitional Contract Basis
Items Needed for Competitive Proposal:
General Employer and Plan Information
- Employer address and industry
- Current Plan Arrangement
- Current Rates/Factors
- Current Schedule of Benefits
- Employee Census (includes DOB, Sex, Zip Code, Family Status)
Claim Experience
- Monthly Enrollment
- Monthly Claims
- Large Claimant Diagnosis/Prognosis
Preferably at least three years of history.