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Get a Quote

Our main focus is on providing Stop Loss coverage for self-funded employer groups, although we also underwrite Life and AD&D.

Our insurance carriers, Pan American Life Insurance Company and Gerber Life Insurance Company use the following guidelines as minimum requirements for coverage:

Coverage Guide
* Subject to minimum state regulations.
  Pan American Life Insurance Company Gerber Life Insurance Company
Minimum size case (ees) * 25 25
Minimum Specific $20,000 $20,000
Maximum Commission 15% 15%
States Available All except ME, NH, NY, RI and VT. All
Specific Advance Funding Yes - no charge Yes - no charge
Monthly Aggregate Yes - $1.50 PEPM Yes - $1.50 PEPM
Agg. Terminal Liability Yes - $1.50 PEPM Yes - $1.50 PEPM
Participation % Minimum 75% 75%
Life and AD&D Yes NO

Get a Quote

If you meet the guidelines above, we would be pleased to provide you with a no-obligation quote on your comprehensive Stop-Loss coverage. Please contact us prepared to provide the following information:

General Information
Company Name, Industry Type (SIC Code), Location(s), Number of Employees (S/F), Desired Specific Deductible(s), Contract Basis, Commissions Required, Effective Date, Aggregate Coverage Required and what benefits, and any Miscellaneous request.
Census
DOB or Age, Sex, Single/Family Medical Coverage, Zip Codes if more than one location.
Itemization of Shock Claims
Individuals with claims in excess of the lowest Specific Deductible over the past three policy periods (minimum two years required).
The most recent policy period should also include information on individuals with the potential to exceed the lowest Specific Deductible.
The most recent policy period should include claim details – diagnosis, prognosis, and future treatment.
Plan Document or Schedule of Current and Proposed Benefits
Current / Proposed PPO Information is vital
Aggregate Quote (if required)
At least the most recent NINE months of MONTHLY paid claims and corresponding enrollment figures, PLUS
The PRIOR 12 months of MONTHLY paid claims and corresponding enrollment figures.
Fully Insured Cases moving to Self-Funded
ECU also provides quotes on cases that are currently Fully Insured with limited information. Please contact ECU for details or click here.
101 N. Pine Street, Suite 210
Spartanburg SC 29302
Phone: (864) 542-1565

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