A Full-Service Medical Stop Loss MGU
Employee Benefit Trusts:
Spectrum Underwriting Managers, Inc. is a full-service managing general underwriter of Specific, Aggregate and Integrated Stop Loss Insurance. Founded in 1990, Spectrum is a leading provider of a comprehensive line of stop loss products and services for employers as small as 15 employee lives. Spectrum’s products are available through a nationwide network of select Third Party Administrators.
Spectrum proudly represents Zurich American Insurance Company and Companion Life Insurance Company, both rated “A+ (Superior)” by A.M. Best, and Pan-American Life Insurance Company, rated “A (Excellent)” by A.M. Best. Spectrum is an active member of the Self-Insurance Institute of America, the Society of Professional Benefit Administrators and the Health Care Administrators Association.
Spectrum is your one-stop small-group stop loss resource for over 25 years.
Stability, experience, dependability, longevity & focus – make Spectrum’s qualities your assets.
Spectrum’s Medical Stop Loss Products
Spectrum offers a variety of Medical Stop Loss Insurance products for single employer groups with as few as 15 employee lives.
Specific Stop Loss: Protection against the financial risk of a catastrophic claim in excess of an individual specific retention applicable to each plan participant.
Aggregate Stop Loss: Protection against the financial risk of a large accumulation of claims that fall below the specific retention and are in excess of an annual aggregate retention on the plan as a whole.
Integrated Stop Loss: Protection against the financial risk of claims in excess of an accumulating monthly integrated aggregate retention applicable to the plan as a whole.