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See all the news storiesA successful stop loss captive requires more than simply sharing risk. It requires the right risk structure, disciplined underwriting, appropriate pricing, and strong alignment among the four key parties: the employer, broker/consultant, captive manager, and stop loss carrier.
At Tokio Marine HCC – A&H Group, we understand our role in that partnership.
TMHCC brings deep experience in underwriting and pricing stop loss captives. Our approach recognizes that a captive is not simply traditional stop loss with an additional layer of risk. Each layer of risk must be evaluated and priced appropriately to create a structure designed for long-term sustainability. Our underwriters understand how risk moves between the employer’s specific deductible, the captive risk layer, and TMHCC’s excess risk layer. We work to establish the appropriate balance of risk and premium across those layers based on the characteristics of the captive and its member employers. That underwriting expertise helps create consistent, sustainable pricing while allowing employers to participate in the potential financial benefits of their captive.
The strongest stop loss captives are built when the four parties work together:
HCC Life as the Carrier – Provides disciplined underwriting, appropriately prices and structures the captive and excess risk layers, and delivers the stop loss protection supporting the program.
Each party has a distinct role. Long-term captive success depends on all four being aligned.
TMHCC doesn't attempt to replace the expertise of the other parties. We focus on performing our role exceptionally well while developing strong working relationships with employers, brokers/consultants, and captive managers. That means open communication, transparency in our underwriting approach, flexibility in captive structure, and a willingness to work collaboratively when circumstances change. Our experienced captive underwriting team works directly with our partners to understand each captive's membership, risk tolerance, historical performance, and long-term objectives. This partnership allows us to develop stop loss structures designed around the captive rather than forcing the captive into a standard stop loss model.
Stop loss captives can give employers greater control over their healthcare dollars while providing protection against claim volatility. A predetermined portion of stop loss premium is ceded to the captive to fund its risk layer, while TMHCC assumes the excess risk above the captive layer. When captive premium exceeds claims, fees, and expenses, participating employers may share in the resulting captive profit. But the value of a captive should be measured over time—not simply by the profit generated in a single year.
TMHCC's combination of captive-specific underwriting expertise, disciplined pricing, flexible risk structures, and strong partnerships with employers, brokers/consultants, and captive managers provides a foundation designed for sustainable, long-term stop loss captive success.
We know our role. We know how to underwrite it. And we know that the best captives succeed when all four partners succeed together.
11100 Wayzata Boulevard, Suite 350
Minnetonka, MN 55305
Protects employers with self-funded health plans against the risk of severe losses.
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Specifically designed and dedicated unit to meet the unique needs of Taft-Hartley union plans.
Fully insured option that coordinates with Medical Stop Loss to protect a self-funded plan from losses due to transplant exposures.
With 4,400 employees worldwide, Tokio Marine HCC (TMHCC) underwrites more than 100 specialty insurance products across over 180 countries and territories, making it one of the world’s leading specialty insurers.
More about us Financial strengthNot all products, coverages, or features may be available in all states. Restrictions, exclusions, limitations, and conditions apply and you should see your agent for more information. Certain products and services are provided through non-admitted insurance carriers and are not subject to certain State Guaranty Funds.
HCC Life Insurance Company operating as Tokio Marine HCC - A&H Group
