Frequently Asked Questions

Get expert answers to your stop-loss insurance questions. From the basics of self-funding to advanced underwriting topics, find the guidance you need to serve your clients with confidence.

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Stop-Loss Insurance Basics

Tools & Calculators

Working with XL Benefits

Technical & Advanced Topics

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Frequently Asked Questions

Stop-Loss Insurance Basics

What is stop-loss insurance?

When should my clients consider stop-loss coverage?

What's the difference between specific and aggregate stop-loss?

How is stop-loss different from traditional health insurance?

What is a stop-loss attachment point?

Who needs stop-loss insurance?

Tools & Calculators

How does the Fully Insured Equivalent Rate Calculator work?

What factors determine the right stop-loss deductible?

How do I know if my client is ready for self-funding?

What is the Aggregating Specific Calculator used for?

How accurate are your online calculators?

Working with XL Benefits

How much does it cost to work with XL Benefits?

What makes XL Benefits different from other MGAs?

How quickly can I get a stop-loss quote?

What kind of support do you provide after placement?

Can I access your tools without becoming a client?

Technical & Advanced Topics

What should I look for in a stop-loss carrier?

How does the lasering process work?

What are common stop-loss exclusions?

How do I explain stop-loss to a fully-insured client?

What's the typical underwriting timeline?

Still Have Questions?