Our team of underwriters specialize in all elements of self-funding, including:
- Risk evaluation
- Industry regulations
- Market conditions
- Medical and scientific advances
Their expertise enables us to assist our partners in pricing risks fairly and accurately. Our team brings a wealth of knowledge and history to our consultative underwriting process.
Request for submission should include:
- Legal name of the employer
- Location of the group (city, state, ZIP)
- Effective date
- Due date
- Specific deductible (current and proposed)
- Contract type (current and proposed)
- Commission level
- Current census (including year of birth, sex and type of coverage – designate Cobra, retirees and disabled)
- If the employer has multiple locations, include the number of employees in each location with corresponding ZIP code
- Nature of business and/or SIC code
- Schedule of current and proposed benefits, if different. Note which coverages are to be included under the specific and aggregate contracts
- Monthly paid claims and enrollment
- Current and/or renewal rates
- If fully insured with no paid claims experience, provide current and renewal fully insured rates on groups up to 250 lives
- Shock claims in excess of 50% of the current deductible and any serious ongoing condition including diagnosis/prognosis
- Network and UR facility (if multiple networks, please specify by location)
- Note the current PPO network if different than the proposed
- Ancillary coverages requested (e.g. Aggregate Accommodation, Terminal Liability or Aggregating Specific)