Medical Stop Loss Underwriting Guidelines


IOA Re prides itself in being both creative, as well as flexible, in order to help you sell and retain more business. As the following summary demonstrates, IOA Re has built a great deal of flexibility into the underwriting guidelines so as to be the one place you can turn to for all your prospects.

Minimum specific deductible:$10,000 (Lower deductibles may be accommodated on a case-by-case basis)
Minimum group size:No minimum group size
Available maximum limits:UNLIMITED for specific coverage
$2,000,000 for aggregate coverage
Ancillary Riders:Aggregate Accommodation
Advance Funding (Specific claims)
Terminal Liability - Aggregate
Terminal Liability - Specific
Contracts available:12/12, 12/15, 12/18, 12/24, 15/12, 18/12, 24/12
Carriers represented:United States Fire Insurance Company, Rated A by A.M. Best
American National Insurance Company, Rated A by A.M. Best
Everest Reinsurance Company, Rated A+ by A.M. Best
Companion Life, Rated A+ by A.M. Best