CRC Group

Public facts

Wholesale MGU (Ethos Underwriting Services)

CRC Group’s Ethos Underwriting Services MGU writes specific and aggregate medical stop-loss for self-funded employers, historically on Nationwide and Fidelity Security Life paper.

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Overview

CRC Group places medical stop-loss through Ethos Underwriting Services, a full-service MGU for companies that self-insure employee health benefits. Ethos works with TPAs, brokers, and consultants. A CRC Ethos overview PDF states Ethos can bind in all 50 states; minimum case size 25 lives (subject to state rules); minimum specific deductible $20,000; run-in, run-out, and incurred-and-paid contracts; specific advance funding included at no extra cost; aggregating-specific options; and paper historically including Nationwide Life (A+) and Fidelity Security Life (A Excellent) as of the PDF’s rating dates. Nationwide announced an Ethos partnership in 2022, describing Ethos as a CRC-owned ~$20 million stop-loss MGU at that time. RFPs: quotes@ethosmgu.com.

Why it matters CRC’s Ethos is a wholesale stop-loss MGU, especially visible on smaller cases (25-life minimum) via TPA channels.

Target buyer: TPAs, brokers, and consultants placing small-to-mid self-funded stop-loss—not employers buying CRC insurance direct.
Pricing model: MGU-quoted premium on carrier paper; No public rates. Carrier names and AM Best dates on the Ethos PDF may be stale—verify on the quote. 2022 Nationwide release is historical partnership context.
Availability: National
Research: Last researched 2026-08-23; Public facts category

Key features

Specific and aggregate medical stop-loss MGU
25-life minimum (state-dependent)
Minimum $20,000 specific deductible
Advance funding included (Ethos overview)
50-state bind claim
TPA/broker/consultant distribution

Integrations

Issuing carriers (Nationwide and Fidelity Security Life named on an Ethos overview PDF; confirm current paper)
TPAs

Overview

CRC Group is a wholesale specialty broker. Medical stop-loss is delivered through Ethos Underwriting Services (crcgroup.com Medical Stop Loss / Ethos pages). Ethos is the underwriting shop; CRC is the corporate parent/distributor.

Contact published: Michael McDonald, Program President (Ethos).

Key Capabilities

Specific and aggregate ESL underwriting.
Multiple contract bases including incurred and paid, run-in/run-out.
Advance funding at no additional cost (overview PDF).
Cost-containment access (overview mentions access; vendors not listed).

Integrations & Ecosystem

Carrier capacity has included Nationwide and Fidelity Security Life per Ethos collateral and a 2022 Nationwide news release. Always confirm the current issuing company.

Pricing

MGU quote.

Notes & Limitations

CRC is not the insurer.
Overview PDF versioning (2023) may predate current filings (EL-115 / M-8005 referenced).
25-life minimum can be raised by state.

Sources

Tags: stop-loss · MGU · CRC · Ethos · wholesale