Stop-Loss Underwriting

Expert-led underwriting, risk management and consultation services for level-funded and traditional self-funded plans.  

High-cost exposures require high-touch risk management.

When it comes to complex specialties like medical stop loss, sophisticated underwriting could be the difference between keeping the lights on and closing the doors. At Amwins Group Benefits, our decisions are rooted in people. By serving up customized, thoroughly researched medical stop-loss solutions, we're able to help companies free up more dollars to invest in what matters.

With the cost and frequency of catastrophic claims on the rise, quality medical stop loss underwriting is more important than ever. With a rich, 20+ year history in medical stop-loss underwriting and a focus on the future, Amwins Accident & Health Underwriters are experts who provide companies of all sizes with full-service capabilities, including the below.




Stop-loss underwriting capabilities

Actuarial rating


In-force policy management

Excess claims adjudication

Excess claims cost management 

Financial reconciliation


How are we different?

As a specialty MGU, we’ve earned the trust of our carrier partners and therefore are able to offer more creativity and customization in everything we do. Looking for expert insights on speed dial? Give us a ring. In need of cost-containment solutions? We’ve got you covered. In other words, we’ve got a proven track record of identifying unique exposures that put employer groups at risk and crafting plans that fit, both from a carrier and an employer group perspective. 

Here's an example:

A client came to us with a stop-loss program that was experiencing a $10M loss. We consulted with the trustees and asked the right questions, which helped them better manage their health plan and pivot to profitability in just a few years.

Frequently Asked Questions


white check icon

What is our product availability? 

We are authorized to bind stop-loss business in all 50 states. 

white check icon

What are the ratings of carriers you work with?  

Every carrier we work with is rated “A” or better through AM Best.


Underwriting Capabilities Documents

Get in touch

Interested in learning more but not sure where to start? We make it easy. Simply fill out the form below and one of our relationship managers will personally follow up.





Recent Group Benefits Headlines