The APEX Employer Stop Loss Underwriting Guidelines are designed to assist the underwriter in evaluating characteristics and setting the appropriate parameters for each stop-loss case to determine acceptable risks for your company. These guidelines are intended to provide the underwriter with a documented, consistent process for evaluating each employer group. The guidelines offer general information such as specific deductible ranges based on group size and credibility tables, as well as more complicated concepts like calculating an accurate aggregate attachment point. 

The APEX Employer Stop Loss Underwriting Guidelines can be used to support the launch of a new stop-loss product or to enhance an already established one. The guidelines are an important tool to ensure that your product has the appropriate set of underwriting policies and procedures to support it.