​Underwriting stop loss is both a science and art. There are 10 important components that can have an impact on the specific rates and aggregate factors produced by carriers quoting employer stop loss insurance.  Influencing the rates and factors developed is the experience of the underwriter who has the ability to modify the rates based on experience and both internal and external factors at the time.  Pat Campola will discuss the components and influencing factors in the rate development process.

Key takeaways:

• Knowledge of the components needed to underwrite employer stop loss insurance.
• Variance each component has on the ultimate rate developed.
• Internal and External factors that can influence rates.