{"id":53717,"date":"2024-04-04T00:00:32","date_gmt":"2024-04-04T04:00:32","guid":{"rendered":"https:\/\/roundstoneinsurance.com\/?p=53717"},"modified":"2024-07-29T11:46:33","modified_gmt":"2024-07-29T15:46:33","slug":"why-in-house-underwriting-is-invaluable-to-a-self-funded-insurance-plan","status":"publish","type":"post","link":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/why-in-house-underwriting-is-invaluable-to-a-self-funded-insurance-plan\/","title":{"rendered":"Why In-House Underwriting is Invaluable to a Self-Funded Insurance Plan"},"content":{"rendered":"<p><strong>Highlights<\/strong><\/p>\n<ul style=\"font-weight: 400;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Roundstone\u2019s in-house underwriters provide personalized access to the risk assessment of a self-funded health insurance plan \u2013 advisors and employers can benefit from their wisdom and experience.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Underwriting its own policies in-house allows Roundstone to take a more disciplined approach to underwriting, ensuring stable, more consistent renewals.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<hr \/>\n<p><span data-contrast=\"none\">Whether you\u2019re an advisor or employer, there\u2019s something special about having personal, one-on-one access to your insurance policy\u2019s underwriter, keeping them on speed dial, so to speak.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">At Roundstone, you always have a close connection to the in-house underwriters of your policy.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">You gain personal access, which means you benefit from their wisdom and experience. You can better understand whether a policy is right for you \u2013 and you <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/how-self-funded-health-insurance-works\/\"><span data-contrast=\"none\">can better custom design that policy<\/span><\/a><span data-contrast=\"none\"> so it better meets the unique healthcare needs of your people.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">In-house underwriting <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/how-to-find-the-best-stop-loss-captive-for-your-employee-health-plan\/\"><span data-contrast=\"none\">sets Roundstone apart when it comes to stop-loss captives<\/span><\/a><span data-contrast=\"none\">. It offers both advisors and employers rare access that can be invaluable when it comes to <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/self-funded-insurance\/\"><span data-contrast=\"none\">crafting that perfect self-funded health plan to meet their needs<\/span><\/a><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<blockquote><p><em><strong>\u201cWe tend to have probably three to four times our normal close rate when we involve underwriters early in the sales conversation,\u201d said Bruce Dunham, Underwriting Manager for Roundstone. \u201cIt helps us better evaluate the risk. The group will often disclose helpful information about what is driving their thought process to look at certain options. That helps us tailor the solution better so we can customize a plan closer to what they are looking for.\u201d\u00a0<\/strong><\/em><\/p><\/blockquote>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Underwriting by the Book \u2013 Self-Funding You Can Bank On<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Underwriting all policies in-house also allows Roundstone to price policies by the book \u2013 it allows us to take a more disciplined approach to bringing on risk <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/self-insured-vs-fully-insured\/\"><span data-contrast=\"none\">compared to the fully insured market<\/span><\/a><span data-contrast=\"none\">, even when claims information is often not readily available.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">We don\u2019t shadow-price \u2013 naming a price just to match what a competitor is offering \u2013 or use maximum allowable discretionary discounts just to write business. This <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/keep-premiums-affordable\/\"><span data-contrast=\"none\">leads to a much more stable renewal long-term<\/span><\/a><span data-contrast=\"none\">, which can be advantageous to both advisors and employers because they don\u2019t need to be continually shopping policies year after year.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<blockquote><p><strong><em>\u201cOne thing that separates us in the stop-loss captive market is we\u2019re not just looking for a one-year profit,\u201d Dunham said. \u201cWe\u2019re in it for long-term success. That\u2019s our focus bringing them into the fold the first year, and then just giving them consistent, stable renewals moving forward that are easier to predict and budget.\u201d\u00a0<\/em><\/strong><\/p><\/blockquote>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">That\u2019s <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/05\/The-Roundstone-Guarantee-Handout_may2024.pdf\"><span data-contrast=\"none\">why Roundstone stands behind our five-year guarantee<\/span><\/a><span data-contrast=\"none\"> \u2013 you\u2019ll save money over five years with Roundstone, compared to a traditional fully insured plan, or we\u2019ll make up the difference. That\u2019s a promise that honestly gave our finance department jitters at first \u2013 until they reviewed the numbers in detail and realized why it was a confident choice.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">In fact, two-thirds of Roundstone customers save enough in their first four years to entirely pay for their fifth year of claims. And 100% save money, full stop.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\"><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/cost-savings-calculator\/\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-53718\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Cost-Savings-Calculator-Blog-CTA_800x225-300x84.webp\" alt=\"Cost-Savings Calculator Blog CTA_800x225\" width=\"1386\" height=\"388\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Cost-Savings-Calculator-Blog-CTA_800x225-300x84.webp 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Cost-Savings-Calculator-Blog-CTA_800x225-768x216.webp 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Cost-Savings-Calculator-Blog-CTA_800x225-jpg.webp 800w\" sizes=\"(max-width: 1386px) 100vw, 1386px\" \/><\/a><\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Value Alignment: Savings Stay in the Employer\u2019s Pocket<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">In-house underwriting is inherently cheaper. At Roundstone, <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/fixed-vs-variable-group-captive-health-insurance-costs\/\"><span data-contrast=\"none\">those savings are passed onto the employer<\/span><\/a><span data-contrast=\"none\">, resulting in a lower expense load and a higher return of unused healthcare spend at the end of the year. We <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/roundstone-reports-8-million-distributed-back-to-its-group-captive-participants\/\"><span data-contrast=\"none\">like to pay our distributions in cash<\/span><\/a><span data-contrast=\"none\">, six to seven months after the policy year concludes, faster than any other captive on the market \u2013 if they even refund distributions at all. Many don\u2019t or simply add it to the pool for next year. We believe it\u2019s your money \u2013 you should keep it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">In-house underwriting also allows us to underwrite in a way that <\/span><a href=\"https:\/\/youtu.be\/GdspLRLOxAA?si=ND-Yb7xfMzv8a5AF\"><span data-contrast=\"none\">better serves our values and alignment<\/span><\/a><span data-contrast=\"none\"> \u2013 what\u2019s ultimately good and in the best interest of the employer and employees, rather than a pure profit play.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Over time, we\u2019ve learned how to negotiate better expenses, such as a lower fronting fee with carriers. These savings aren\u2019t pocketed by Roundstone but are instead passed onto the employers in the form of additional savings.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">That kind of alignment is why Roundstone doesn\u2019t take overrides or kickbacks from vendors, TPAs, or PBMs. Any cost-saving solution, TPA, or PBM is recommended purely in the employer&#8217;s or employees&#8217; best interest.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<blockquote><p><strong><em>\u201cIt\u2019s a different kind of mindset \u2013 one that differentiates us in the captive space,\u201d Dunham said. \u201cIt\u2019s helped us be able to return savings consistently, which is something not every MGU or captive can say.\u201d\u00a0<\/em><\/strong><\/p><\/blockquote>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">What is Collateral? Why Roundstone Has the Lowest Collateral in the Industry<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Lower fronting fees allowed us to lower our collateral to the lowest rates in the industry \u2013 7%, whereas most captives charge 11% to 15%, and sometimes as high as 25%. Many captives also require stacked collateral, meaning you must pay two years in a row, essentially twice the collateral. Roundstone is a one-time fee, paid upon entry to the captive.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">And if you should leave Roundstone, your unused collateral is fully refunded to you in the form of cash. We don\u2019t believe in handcuffs \u2013 forcing you to stick with a plan or risk losing your collateral or return of unused premium. Your primary incentive for renewal is it\u2019s a good plan that saves you money and provides high-quality care.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/what-is-self-funded-insurance\/\"><span data-contrast=\"none\">What is collateral<\/span><\/a><span data-contrast=\"none\">? It\u2019s essentially the price of admission into the captive. Collateral is a percentage of stop-loss premium. It provides a safety net and is paid by members in case healthcare costs go way above expected. Collateral covers any unexpected costs that might be more than the captive has received as premium.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">But if you\u2019re joining a large, well-established captive like Roundstone, the likelihood of having to dip into the collateral is exceedingly rare. Younger, less established captives are more subject to volatility because they don\u2019t have the reserves to take a few bad hits. <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/micro-captives-vs-group-captives\/\"><span data-contrast=\"none\">A sizable stop-loss captive provides stability in numbers<\/span><\/a><span data-contrast=\"none\"> \u2013 you don\u2019t have to do self-funding alone. Risk is spread out and shared across the entire pool.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Currently, Roundstone\u2019s Captive protects nearly 1000 employers and almost 200,000 lives. Members of the Captive gain the same risk predictability as a Fortune 500 company, even if they only have 25 employees.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Consistent Renewals When Self-Funding in a Stop-Loss Captive<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">In addition to risk protection, <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/keep-premiums-affordable\/\"><span data-contrast=\"none\">Captive members are also able to get off the escalator of increasingly high premiums<\/span><\/a><span data-contrast=\"none\">, which have become all too common <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/why-is-health-insurance-expensive\/\"><span data-contrast=\"none\">in an era of expensive healthcare<\/span><\/a><span data-contrast=\"none\">. Rather than unpredictable increases that are common in the fully funded insurance market, Captive members tend to see increases around 2% to 5% two to three years into their self-funding journey. This leads to an easier renewal process, which advisors love.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<blockquote><p><strong><em>\u201cOnce they\u2019ve gotten off the fully insured merry-go-round and start to see the results, they realize we practice what we preach,\u201d Dunham said.\u00a0 <\/em><\/strong><strong><em>\u201cThese advisors become converted \u2013 they become cheerleaders of the stop-loss captive. Fourth quarters become a breeze because they don\u2019t have to fight the battle of renewal season every year. Renewals start to run like clockwork because their clients are successful, save a ton of money, and can afford to provide quality healthcare to their employees.\u201d\u00a0<\/em><\/strong><\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-53729\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/discussing-consistent-renewals-from-a-self-funded-stop-loss-captive-300x200.webp\" alt=\"discussing-consistent-renewals-of-a-stop-loss-captive-under-a-self-funded-plan-with a-client_Roundstone insurance\" width=\"1373\" height=\"914\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/discussing-consistent-renewals-from-a-self-funded-stop-loss-captive-300x200.webp 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/discussing-consistent-renewals-from-a-self-funded-stop-loss-captive-1024x683.webp 1024w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/discussing-consistent-renewals-from-a-self-funded-stop-loss-captive-768x512.webp 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/discussing-consistent-renewals-from-a-self-funded-stop-loss-captive-1536x1024.webp 1536w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/discussing-consistent-renewals-from-a-self-funded-stop-loss-captive.webp 1800w\" sizes=\"(max-width: 1373px) 100vw, 1373px\" \/><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">The Advantage of Lightning-Fast Bindable Proposals<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Another advantage to in-house underwriting is you don\u2019t have as many middlemen, which means Roundstone <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/how-to-submit-an-rfp\/\"><span data-contrast=\"none\">can be lightning-fast at getting out proposals<\/span><\/a><span data-contrast=\"none\">. This can be invaluable to advisors during the rush of busy season.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<blockquote><p><strong><em>\u201cI would be surprised if we are not hands-down the fastest in the market at getting out proposals,\u201d Dunham said. He estimates Roundstone can turn around a proposal in around 2.4 days, while most Captives are lucky to get it out the door in 10 days.\u00a0<\/em><\/strong><\/p><\/blockquote>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">And since Roundstone\u2019s in-house underwriters trust their own math, our quotes are close to being bindable, assuming there are no changes in plan design or metrics on the part of the employer. Many other captives are practically Monty Python about their proposals: \u201cDon\u2019t you want to haggle?\u201d<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">A Family-Owned Company That Prioritizes Quality Healthcare<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">In an era where private equity practically owns the world, <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/about-roundstone\/\"><span data-contrast=\"none\">Roundstone\u2019s family ownership is refreshing<\/span><\/a><span data-contrast=\"none\">. There\u2019s a different incentive when private equity is involved \u2014 you tend to take kickbacks and fees to satisfy the shareholders, often at the expense of captive members. At Roundstone, our primary motivation is the best interest of the employer, not a board of directors.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<blockquote><p><strong><em>\u201c(Roundstone\u2019s President and Founder) Mike (Schroeder) is more interested in building Roundstone as a legacy than selling the company out to a private equity firm for profit,\u201d Dunham said. \u201cWe have a mission and a mission statement that prioritizes the employer and their employees. That\u2019s what drives every decision we make \u2013 and what sets us apart from many other captives on the market.\u201d\u00a0<\/em><\/strong><\/p><\/blockquote>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\"><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/group-stop-loss-captives\/\">Roundstone stands ahead of other captives<\/a> because of our in-house underwriting, our low expense load, and our alignment to the best interests of the employer and their employees. Our mission is to provide you affordable, quality healthcare that can be an attractive lure to any job posting \u2013 benefits that keep your people committed and doing the hard work to ensure your company succeeds. It\u2019s a different mindset. Ready to see what it\u2019s all about?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/contact-us\/\"><span data-contrast=\"none\">Contact us<\/span><\/a><span data-contrast=\"none\"> today to see how we can make a difference to your benefits plan.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/contact-us\/\"><img decoding=\"async\" class=\"alignnone wp-image-47316\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/05\/Blog-CTA-Contact-Us-2.png\" alt=\"Blog-CTA-Contact-Us-2\" width=\"1393\" height=\"342\" \/><\/a><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p class=\"excerpt\">Highlights Roundstone\u2019s in-house underwriters provide personalized access to the risk assessment of a self-funded health insurance plan \u2013 advisors and employers can benefit from their wisdom and experience.\u00a0 Underwriting its own policies in-house allows Roundstone to take a more disciplined approach to underwriting, ensuring stable, more consistent renewals.\u00a0 &nbsp; Whether you\u2019re an advisor or employer, [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":53752,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3334,1827],"tags":[],"class_list":["post-53717","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advisors","category-employers"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v25.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Advantage of In-house Underwriting to a Stop-Loss Captive<\/title>\n<meta name=\"description\" content=\"Roundstone underwrites its policies in-house. 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