Your Sidekick for Stop-Loss Success
Expert guidance and interactive tools designed exclusively for insurance brokers navigating stop-loss challenges.
Why Brokers Choose XL Benefits
When your clients need stop-loss solutions, you need a partner who understands the complexities you face every day. XL Benefits brings deep carrier relationships, meticulous RFP management, and genuine expertise to every placement—from straightforward renewals to the most challenging cases.
We don't just find coverage. We help you present solutions with confidence.
Your Complete Stop-Loss Toolkit
Interactive tools built for brokers who need accurate answers fast
TrueCost: Fully Insured Equivalent Calculator
Q1 2026Accurately project fully insured equivalent rates for self-funded groups with state-specific compliance considerations. Get calculations you can confidently share with clients.
Stop-Loss Deductible Analyzer
Q1 2026Compare specific and aggregate deductible structures to identify optimal cost-savings strategies. Make data-driven recommendations for every client scenario.
Aggregating Specific Calculator
Q2 2026Analyze the ROI potential of aggregating specific deductibles versus traditional structures. Discover opportunities your clients might be missing.
What Brokers Are Saying
"I believe that XL Benefits would be an excellent partner with any group client and their benefits."
Gina Cuttone
President, Barthuli & Associates Insurance Services, Inc.
"The XL Benefits team has exceeded our expectations, setting a new standard for stop loss marketing."
Regional Sales Manager
Third-Party Administrator (Northern California)
"We consider XL Benefits an extension of our team. Their help is invaluable to our overall success."
Vice President, Benefits
Regional Firm (Fresno, CA)
Meet Our Expert Team
Daron Pitts
President, Founder | CSFS
Daron is the founder of XL Benefits and a problem solver at heart. With over 12 years of specialized experience in self-funding, he holds the Certified Self-Funding Specialist (CSFS) designation. He works primarily in the medical stop-loss field serving brokers and TPAs nationwide, bringing deep carrier relationships and creative problem-solving to every placement, from straightforward renewals to the most challenging cases.
Jennifer Baird
Stop Loss Sales Consultant
Jennifer has over 20 years of experience in self-funding, having worked as a TPA professional, employee benefits broker, and now as a stop loss consultant. Her diverse background gives her unique insights into all sides of the self-funding equation, serving as a trusted partner to brokers and TPAs on the East Coast since joining XL Benefits in May 2023.
Steve Caler
Stop Loss Sales Consultant | CSFS
Steve brings over 20 years of management and personal development experience to XL Benefits, including extensive background in relationship building and strategic problem-solving. He holds the Certified Self-Funding Specialist (CSFS) designation and focuses on expanding broker partnerships across the Southwest and South regions, helping brokers understand how stop-loss solutions fit into their overall benefits strategy.
Samuel Edwards
Stop Loss Sales Consultant
Sam brings a unique combination of technical expertise and industry knowledge to XL Benefits, with extensive experience in both technology and stop-loss consulting. He helps brokers leverage innovative solutions while providing expert guidance on complex self-funding scenarios, specializing in the Mountain, Plains, and Midwest regions where he assists brokers navigate unique regulatory and market conditions across diverse states.
How We Work With You
XL Benefits handles the complexity so you can focus on your client relationships. Our 40-point inspection process ensures nothing gets overlooked—from gathering clean data to presenting competitive options with complete transparency.
Whether you're managing a straightforward renewal or navigating a challenging placement, we provide the expertise and carrier access you need to deliver exceptional results.
Learn About Our ProcessReady to tackle your next stop-loss challenge?
Connect with our team to discuss your specific situation.
Schedule a Conversation