We are a progressive, full-service Managing General Underwriter (MGU), that specializes in navigating the complexities of Medical Stop-Loss programs including:
Traditional
Designed for employers who self-fund their health plans and want to limit their risk on a per-claim basis.
Level-Funded
Combines the cost savings and customization of self-insurance with the financial safety and predictability of traditional fully insured plans.
Captive
Involves a self-insured employer joining or creating a Captive insurance company to share risk with other employers.
Expert-Driven Healthcare Solutions for Employer Stability
At Innovative Stop Loss Solutions, we take a comprehensive approach to underwriting and thrive in unique underwriting terrains. With combined precision, expediency, and creativity, we develop tailored strategies that provide sustainable stability in an otherwise volatile industry.
Affordability
Affordability
Delivering affordable solutions has to be our first priority, but we refuse to compromise on quality.
Precision
Precision
We live in the details from day one, putting us in a position to offer leaner premiums and loftier savings.
Our Core Values
Stability
Stability
Our Stop-Loss solutions stand firm against market volatility and deliver peace of mind for our partners and clients.
Innovation
Innovation
It’s not just in our name – it’s the bedrock of our platform that is designed to tackle the complexities of today’s healthcare landscape.
Sustainability
Sustainability
We’re in it for the long haul with our partners by providing solutions that are built to support long-term financial health.
Disruptive
Disruptive
We embrace disruption to challenge the status quo and bring about positive change, enabling us to offer solutions that stand out in the market.
Why We’re Here
We see the volatile trajectory of healthcare, but we also see fleeting moments of success; those moments are our foundation for change.
We confront the stigmas of Stop-Loss MGUs — unwarranted denials, sluggish response times, and convoluted processes — with transparency, agility, and streamlined, tech-forward solutions.
We fix what’s fixable and innovate where others have stalled.
Who We Serve
Third Party Administrators
As your trusted partner, we help you navigate the complexities of a rapidly evolving marketplace. We work alongside you to tailor stop-loss solutions that match the unique services and solutions that you offer your clients. We uphold client trust with undeniable stability, optimized value, and substantial cost savings.
Program Managers
Recognizing the uniqueness of your program is where it starts – we will analyze and appreciate every detail before any assessment begins. We focus on you, so you can focus on your clients and the evolution of your programs. Your programs’ solutions and strategies are confidential and will never be shared outside of our partnership. Together, we tailor stop-loss solutions that enhance your programs’ value, ensuring unwavering stability, significant cost savings, and reliable delivery.
Benefit Advisors
As your partner, we co-design comprehensive stop-loss strategies that deliver undeniable stability and cost savings to your clients, enhancing the value of your benefit strategies. Given the ever-changing stop-loss sector, we infuse insights and recommendations into your customized solution. This enables you to fulfill commitments and meet your clients’ needs with unwavering assurance.
Who is ISLS?
We are a team of expert underwriters who specialize in mitigating high-cost claims with precision-tailored risk management strategies. We combine cutting-edge technology with deep industry expertise to safeguard your financial stability.