Underwriting - Medical Stop Loss & Group Life

Underwriting medical stop loss and group life is an essential and primary function of Perico Life Insurance Company. Our approach to underwriting is both innovative and aggressive, specializing in specific and aggregate excess loss and related group coverages for your self-funded employee benefit plans.

The products we offer are as follows:

• Specific individual retentions from $5,000 to $500,000*
• Employee group size of 15 or greater**
• Life and AD&D coverage available
• Specific Reimbursement Procedure to protect cash flow
• Non-experience rated quotes are available on fully insured cases of 125 lives or less, provided two years of rates are available***
• Discounts available for managed care, pre-cert, LCM, PPO and plan design
• Aggregating Specific options available
• Aggregate Accommodation and Terminal Liability riders are available
• Flexible contract basis:
  • Incurred and Paid - 12/12, 12/15, 12/18, 12/24
  • Paid with a "run in" period - 24/12, 15/12, 14/12, 18/12
  • Paid during contract period, Paid/15 (only offered on Perico Life renewals)
• No dollar limit on run-in period with experience through the current period
• No "hidden" limits or exclusions

Perico Life Insurance Company’s underwriting has two locations: St. Louis, Missouri under the direction of , Vice President, Underwriting and Indianapolis, Indiana under the direction of , Executive Vice President.

We accept quotes, in any format you may use, at the addresses below:

Perico Life Insurance Company 13358 Manchester Road St. Louis, MO 63131 Fax: (314) 965-7054

Perico Life Insurance Company 5170 Commerce Circle Indianapolis, IN 46327 Fax: (317) 888-7145

For questions about underwriting as it relates to a quote, please contact your Regional Marketing Director.

*Subject to state requirements

**New York minimum is 51 lives

***No claims experience is available