Stop-loss coverage is one of the most important yet misunderstood elements of a benefits plan. Whether it’s called large amount pooling or extended health risk management, too many advisors treat it like a checkbox instead of the strategic tool it is.
In this session, we’ll break down the mechanics of stop-loss coverage, clarify common misconceptions, and give you the right questions to ask so you can protect your clients and elevate your positioning as a trusted advisor.
You’ll learn:
● What stop-loss (large amount pooling) covers and what it doesn’t
● How different pricing models impact client risk
● What to watch for in pre-existing condition clauses
● The five must-ask questions to include in your RFPs
● How to explain stop-loss to clients in plain language
You’ll leave this session with spec-ready language and a stronger understanding of how to make stop-loss part of a complete benefits strategy, not an afterthought.
