Stop loss

Capping health plan risk

Our team can help your clients successfully navigate and protect their self-funded plans through even the most complex situations.

We have a long history of partnering with third-party administrators, brokers and consultants to help make self-funding successful. Whether your clients are new to self-funding or considering a change at renewal, we’re here to help with dependable, cost-effective coverage backed by industry expertise.

Compelling features to empower your customers

Best-in-class policy that mirrors the employer’s plan document

Our policy mirrors your plan document without any conflicting limitations or definitions.


Cost-containment assistance

We’re committed to delivering claim payments as expected, while finding opportunities to help control costs without sacrificing quality of care. Our strategic partnerships with cost-containment vendors help claims administrators maximize successful outcomes and savings on medical and pharmaceutical claims.


Underwriting as a partnership

  • Working together, we can deliver the right stop loss policy for your clients at the right price.
  • Referenced-based pricing with single and dual option capabilities.
  • No individual health questionnaires.
  • No signed disclosure statements required on new business or renewals.
  • Access to Peer Group Benchmark metrics.
  • Maximum renewal rate cap guarantees.1
  • No new or increased lasers at renewal.1
  • No declined renewals due to poor claims experience.
  • Limited general exclusions: Worker's compensation claims and administrative fees.

Fast and fair claims practices

We pay claims quickly. Catastrophic claims are reviewed within 24 hours and processed within 48 hours through our Preferred ASO Claim Advance Program.


Online administration

Every Symetra policyholder has access to Group Online (GO), our administration portal, which provides convenient, 24/7 access to manage policy information, view claim details, make electronic payments, print explanations of reimbursements and more.


Dedicated account management

Each group is assigned a dedicated account manager who provides an exceptional implementation experience and ongoing support and service throughout the year, including policy activity monitoring, midpoint reviews and collaboration with your Symetra sales representative to make the renewal process as simple as possible.


Online Administration

Administration is easy with our Group Online (GO) tool.

Access your account

Want to learn more? Contact your Symetra representative today.

1 Subject to underwriting approval.

Stop loss policies are insured by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004. Base policy is ELC-24000 7/19.