Elite Underwriting Service (EUS) is one of the country’s leading privately held Managing General Underwriters serving our clients since 1994. With 100 million of stop-loss premium under management, we have partnered with A and A+ rated carriers for our stop loss portfolio, assuring stability and cost effectiveness.
We underwrite specific and aggregate stop-loss coverage, issue policies, bill and collect premiums, manage large catastrophic losses, adjudicate claims and carry check issuing authority. EUS has the experience and knowledge required to provide the highest quality of service with 90% of all clean claims adjudicated and processed within ten (10) business days.
As a full service MGU with check issuing authority, all claims are processed “in-house” with direct client access to our seasoned staff who possess the ability to administer our flexible program features and tailored plans with unparalleled service.
Our financial strength and security along with our diverse product portfolio and strategic partnerships allow us to maintain our position as a leader in the Stop-Loss arena with the ability to offer unique programs and compete in all market places. EUS provides direct access to our staff of knowledgeable and experience professionals, namely sales representatives, underwriting staff, registered nurses, policy issue and claims personnel, and premium collection department. EUS programs are HIPAA and PPACA compliant and designed to assist employers manage risk through a wide range of deductible and contract options.
Program features and product options include:
- Specific & Aggregate Stop-Loss for groups of 25+ lives
- Specific Stop-Loss Deductibles starting at $25,000
- Standard 12 month contract terms, including incurred & paid and run-in and run-out contract options, and the ability to offer non standard policy periods
- Unlimited Specific benefit maximums
- Aggregate benefit maximums to $1,000,000; higher levels may be secured
- Specific & Aggregate Terminal Liability Options (TLO)
- Conversion coverage
- Specific Advancement (included at no additional charge)
- Monthly Aggregate Accommodation
- Early lock-in
- No laser renewals
- Renewal rate cap options
- Aggregating Specific options in exchange for reduced premiums
- EliteCare vendor services program for the management of large catastrophic losses and access to Transplant Centers of Excellence
- Access to Preferred Provider Organizations (PPO’s)
- Programs for Indian Health Service/Contract Health Services plans (Federal programs for American Indians and Alaska natives)
- Fully Insured Takeover product for small employer groups
- Diversity qualified programs through our partner company RLJ Insurance Services
In addition to standard Stop-Loss programs, we offer Reinsurance, Profit Sharing and Captive arrangements for selected partners.
EUS offers innovative Stop-Loss solutions and flexible programs tailored to meet an employer’s level of risk tolerance. We service a diverse client base which is national in scope, and also possesses the authority to write in all 50 states and Puerto Rico.
