Employer Stop-Loss Insurance

Stop-loss insurance (or excess medical insurance) protects an employer’s self-funded employee benefit plan from catastrophic and unknown claims. IAT’s expert underwriters understand that there are no one-size-fits-all solutions when it comes to stop-loss insurance. Our team takes great pride in putting their extensive knowledge and experience to work to create customized, effective solutions for each client and producer.

Why Choose IAT?

  • Minimum specific deductible: $10,000
  • Minimum number of lives: 25
  • Flexible contract terms
  • Dollar-for-dollar aggregated specific options
  • 90-day lock-in
  • Turnaround time based on need-by dates
  • Competitive quotes on current fully insured business
  • Carrier partners rated A and A- by AM Best
  • Aggregate only product available

For more information, download our flyer.

Key Contact

Brandon Baisden


Get a Quote

Send submissions to quotes@iatmgu.com.

Submission Requirements

  • Complete Census: Including year of birth, single/family status, gender, zip codes, COBRA, and retiree information.
  • Benefit Plan Information: Current and proposed benefit plans.
  • Specific Deductible Information: Current and proposed deductible amounts as well as information on any lasered individuals currently on the plan.
  • Managed Care Information: Current and proposed networks.
  • Paid Claim and Enrollment Information: Month-by-month information for three years (if possible).
  • Shock Claims Information: Including dollar amount, diagnosis, and prognosis.
  • Detailed Description of Business: Including SIC code (if possible).
  • Current Rates, Factors, and Funding Mechanism: If currently fully insured, please provide current and renewal rates.

File a Claim

For detailed claim information, click here