Programs designed for cash flow protection, financial stability, and catastrophic loss coverage.
Whether you're an MGA building a program, a broker placing a complex group, or an employer evaluating self-funding, Benefit Re's licensed paper backs the structures other carriers won't.
Specific stop-loss
Protects employers against any single large claim that exceeds a set threshold. Underwritten directly by Benefit Re: licensed paper, in-house actuarial review, and claims professionals on retainer. Custom attachment points · Direct carrier paper · Fast quote turnaround
Four more structures we underwrite and back.
Discuss your program
Aggregate stop-loss
Caps total plan exposure when overall claims for the period exceed expected. Pairs with specific stop-loss for full-spectrum protection.
Captive program backing
Custom captive structures (including 831(a) and 831(b) elections) designed in collaboration with Benefit Risk Advisors.
Deferred premium programs
Cash flow management structures that align premium timing with employer financial cycles.
Fully funded ASO programs
Employer funds the plan; Benefit Re provides the framework and stop-loss backstop. Self-funding economics with capped exposure.
Lines of business backed by licensed professionals.
Our underwriters and claims professionals carry direct experience across the lines we write, not generalists working from a script. 7 active risk lines.
Medical claims
Stop-loss
Workers compensation
Statutory & excess
Auto liability
Commercial fleets
Auto physical damage
Asset protection
Medical malpractice
Professional liability
Warranty claims
Extended coverage
General liability
Casualty programs
MGAs, brokers, TPAs, and the employers behind them.
We help design and maintain schedules of benefits, specific or aggregate deductibles, or fully custom captive structures.
MGAs
Build programs on licensed paper. Reinsurance support and risk-sharing structures available.
Brokers
Place complex groups other carriers decline. Responsive underwriting with clear answers: yes, no, or what we'd need to make it work.
Employers
Self-funding economics with the financial backstop of a regulated carrier.
Ready to design a program?
Plan documents, quoting, and responsive underwriting on request.