WHY BROKERS CHOOSE XL BENEFITS
What sets us apart: meticulous process, genuine partnership, and 25+ carrier relationships.
In an industry full of general agents claiming expertise, brokers need to know what actually makes a partner worth working with. Here's what sets XL Benefits apart—and why brokers continue to trust us with their most challenging cases.
RFPs That Carriers Love to Quote
Our RFPs are legendary among carriers and underwriters. Clean data, comprehensive documentation, and organized presentation materials make underwriting easier—which means better quotes for your clients.
What makes our RFPs different:
- Complete claims data properly formatted and analyzed
- All plan documents reviewed and reconciled
- Census data verified and scrubbed for accuracy
- Clear case summary highlighting key opportunities and risks
- Professional presentation that reflects well on you and your practice
The result? Carriers respond faster, quote more competitively, and give your cases the attention they deserve.
"I love your RFPs. The material you send over is so nice… they are like perfect little packages!"
Account Manager
Stop-Loss Carrier
"XL Benefits' thorough understanding of self-funding and stop loss pricing consistently delivers us the detailed information that we need to provide our best quote or best renewal."
Regional Sales Manager
Direct Writing Carrier
25+ Carrier Relationships That Work For You
Access matters. We maintain strong relationships with more than 25 stop-loss carriers—from household names to specialty markets. This breadth gives us options other MGAs can't match.
Our carrier network includes:
- Large national carriers for standard cases
- Regional specialists with competitive appetites
- Niche markets for challenging placements
- Direct relationships with underwriting leadership
We know which carriers excel in specific situations, which have appetite for your client's profile, and how to position cases for success. You get market access without the carrier management headache.
An Extension of Your Team, Not Just a Vendor
We don't disappear after placement. Throughout the year, we're available for plan design questions, claims issues, and strategic planning. Our goal is for you to be more successful—period.
What partnership looks like:
- Proactive renewal planning and timeline management
- Year-round support for client questions and issues
- Educational resources and market intelligence
- Honest recommendations even when it means less from a case for us
"We consider XL Benefits an extension of our team. From the initial marketing to the final presentation their help is invaluable to our overall success. On more than one occasion they've helped us secure new business via broker of record and transition some of our fully insured clients to self-funding."
Vice President, Benefits
Regional Firm (Fresno, CA)
"As a TPA we've been approached by a number of stop loss general agents through the years. Recently we were introduced to the XL Benefits team and they have exceeded our expectations, setting a new standard for stop loss marketing. Their carrier relationships, expertise, responsiveness, and flexibility have freed us up to focus on what we do best – plan administration."
Regional Sales Manager
Third-Party Administrator (Northern California)
Objective Expertise You Can Trust
Sometimes the right answer is "don't self-fund yet." Or "stay with your incumbent." We've walked away from revenue when it was the right thing for the client—and brokers remember that integrity.
Our commitment:
- Honest assessments based on data, not commission potential
- Recommendations that prioritize your client's best interests
- Transparency about market conditions and carrier appetite
- Expertise that helps you make confident decisions
"Another client was seriously considering going self-funded. Daron Pitts provided a detailed analysis with a final recommendation of remaining fully-insured. Daron could have persuaded the client to take the risk of self-insurance but truly believed it was not the right time for them when considering utilization patterns and the success of their fully insured model. The client was grateful for his objective expertise and drawing his conclusion based on what was best for them as our client."
Benefit Consultant
National Firm (San Diego, CA)
"Many general agents claim to know the excess loss business, but none truly know the nuances of stop loss quite like XL Benefit Insurance Services. We have worked with several general agents over the last ten years and the service and expertise from XL is unmatched. The peace of mind we get from XL is business done right."
Jenni Villane, Senior Vice President
Relation Insurance Services
Responsiveness When You Need It
Stop-loss questions don't wait for business hours. Claims issues don't follow a schedule. When you need an answer, we're available—not next week, not when it's convenient, but when you need us.
"There are many reasons why we consider XL Benefits to be a trusted business partner. One of our first encounters was when XL Benefits provided a solution for a complicated stop loss placement. We had recently been named broker for a large employer (1,200 employees) whose stop-loss had expired. Daron Pitts worked tirelessly and was able to obtain competitive pricing. This was a notable achievement considering there was minimal competition within the marketplace and the client did not have any leverage from an incumbent carrier as they were uninsured at the time."
Benefit Consultant
National Firm (San Diego, CA)
Experience what genuine partnership looks like.
Let's discuss your next stop-loss challenge and how we can support your success.
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