HOW WE HELP
Expert stop-loss guidance, market access, and tools to serve your clients better
The difference between a good stop-loss placement and a great one often comes down to the details most people miss. XL Benefits exists to handle that complexity for you—bringing meticulous analysis, deep carrier relationships, and genuine partnership to every case.
Whether you're managing a straightforward renewal or navigating a challenging placement, we provide the expertise and access you need to present confident solutions to your clients.
Our Services
Comprehensive support across every aspect of self-funding
Stop Loss Marketing
Your team is busy and stop loss probably isn't your core business. We simplify the process and provide access to more markets through our streamlined approach.
- Strategic planning
- Data collection & evaluation
- Comprehensive market analysis
- Expert proposal presentation
- Coverage finalization
- Ongoing monitoring
Self-Funded Consulting
Because there's more to self-funding than just stop loss marketing. We provide comprehensive guidance across all aspects of your self-funded programs.
- Fully insured analysis
- Self-funding education
- PBM evaluation
- Claims analysis & oversight
- SPD & contract evaluation
- Cost containment advice
Financial Forecasting
While we haven't found a crystal ball that can predict future claims and costs, we subscribe to actuarial principles that get us close.
- Claim projections
- Fully insured equivalent rates
- COBRA calculations
- Actuarial principle-based analysis
Education & Training
Daron is a nationally recognized educator on stop-loss and self-funding strategy. Whether you're new to self-funding or looking to deepen your team's expertise, we offer flexible training options.
- Live webinars on specific topics
- Multi-day training programs
- In-person & virtual options
- Custom curriculum for your team
- Continuing education credits
Tools & Solutions for Common Challenges
Expert solutions for the stop-loss challenges brokers face every day
"Is my client really ready to self-fund, or am I setting them up for disaster?"
Self-funding isn't right for every group. Cash flow constraints, administrative capacity, claims volatility, and risk tolerance all factor in—but most brokers only evaluate one or two of these.
Transitioning the wrong client to self-funding can damage your reputation and your relationship.
Try the Readiness AssessmentOur Solution:
- Comprehensive 4-section assessment (financial, claims, admin, risk)
- Scored results with clear go/no-go recommendations
- Identifies risks before they become problems
- Customized stop-loss recommendations based on group size
"How do I calculate fully insured equivalent rates accurately?"
Fully insured equivalent rates for self-funded plans are notoriously complex. Coverage tier variations, plan design differences, and monthly adjustments require careful analysis to provide accurate calculations.
Let us help.
Our Solution:
- Rates built on actuarial values and plan design
- Flexible tier structures (2-tier, 3-tier, 4-tier, 5-tier)
- Client-ready PDF reports you can share with confidence
- Automatic COBRA rate calculations included
"How do I find the best specific deductible for my client?"
Finding the optimal specific deductible requires analyzing historical claims data and comparing the impact at different deductible levels. Most brokers don't have time for this complex analysis.
Our tool provides historically-based analysis to help you identify the deductible level that would have worked best for your client's specific claims pattern.
Our Solution:
- Evaluates historical claims data across multiple years
- Compares premium savings at different deductible levels
- Shows historically optimal deductible for your group
"Should my client consider aggregating specific deductibles?"
Aggregating specific deductibles can offer significant cost savings for the right groups. Many brokers don't think to consider the advantages of adding an aggregating specific deductible.
Without proper analysis, you might miss opportunities to save clients thousands—or recommend a structure that costs them more.
Our Solution:
- Analyzes historical claims data
- Shows what you would have saved historically
- Provides clear recommendations and guidance
- Helps identify opportunities you might be missing
Ready to experience the XL Benefits difference?
Let's discuss your next stop-loss challenge.
Schedule a Conversation