Medical Stop Loss
Underwriting Guidelines

IOA Re prides itself in being both creative, as well as flexible, in order to help you sell and retain more business. As the following summary demonstrates, IOA Re has built a great deal of flexibility into the underwriting guidelines so as to be the one place you can turn to for all your prospects.

Minimum specific deductible:

$10,000 (Lower deductibles may be accommodated on a case-by-case basis)

Minimum group size:

No minimum group size

Available maximum limits:
  • UNLIMITED for specific coverage
  • $2,000,000 for aggregate coverage
Ancillary Riders:
  • Aggregate Accommodation
  • Advance Funding (Specific claims)
  • Terminal Liability – Aggregate
  • Terminal Liability – Specific
Contracts available:

12/12, 12/15, 12/18, 12/24, 15/12, 18/12, 24/12

Carriers represented:

United States Fire Insurance Company,

Rated A by A.M. Best

American National Insurance Company,

Rated A by A.M. Best

American National Life Insurance Company of Texas,

Rated A by A.M. Best

Everest Reinsurance Company,

Rated A+ by A.M. Best

 IR&ASPRN