Ryan Specialty

Public facts

Wholesale / MGU benefits and stop-loss

Ryan Specialty Benefits (ACE, AccuRisk, Point6) places stop-loss, captives, and level-funded solutions for retail brokers and TPAs, with delegated underwriting and 48-hour indications.

Visit ryansg.com

Overview

Ryan Specialty (NYSE: RYAN; ryansg.com) is a specialty wholesale broker and managing underwriter. Its benefits division, Ryan Specialty Benefits (rsbenefits.com), assembled medical stop-loss distribution and MGU talent by acquiring ACE Benefit Partners (medical stop-loss GA, Eagle, ID; closed July 2023) and Point6 Healthcare (stop-loss distribution and complex claims; same period), and joining with AccuRisk Solutions (captives/MGU). RSB lists stop-loss, single-parent and group captives, level-funded solutions, TPA services, pharmacy, network/RBP, and ancillary. Retailers can get a 1–5 underwriting score plus illustrative rates in 24–48 hours. Legal entities named in the footer include RSG Specialty, AccuRisk Solutions, Case Management Specialists, Matrix Group Benefits, and Matrix Risk Management Services. Some products are surplus-lines only and state-limited.

Why it matters Ryan Specialty is a major wholesale/MGU benefits platform after ACE/Point6/AccuRisk—stop-loss capacity via partners, not Ryan paper.

Target buyer: Retail brokers, consultants, and TPAs—not a direct-to-employer carrier brand.
Pricing model: Wholesale placement; carrier/MGU premium; surplus-lines where applicable; No public PEPM. Homepage $M+ cost-containment savings and employee counts were not fully numeric in the scrape. Footer: products may be surplus lines and not available in all states.
Availability: National
Research: Last researched 2026-08-23; Public facts category

Key features

Stop-loss placement and MGA/MGU underwriting
Group and single-parent captives
Level-funded solutions
Delegated underwriting and in-house actuarial
48-hour (also described as 24-hour) indication / score
Complex claims, PBM marketing, specialty Rx carve-out, bill negotiation
Integrated Health Solution for SMEs (70+ services claimed)

Integrations

Industry-leading carriers (unnamed public list)
Retail broker RFP process white-labeled to the firm
TPA and network/RBP partners

Overview

Ryan Specialty provides distribution and delegated underwriting for specialty insurance. Ryan Specialty Benefits is the employee-benefits arm launched under John Zern (President & CEO; joined 2021). 2023 deals folded ACE (stop-loss GA), Point6 (stop-loss/PBM/complex claims), and AccuRisk (captive/MGU) into RSB.

The public RSB site is retailer-facing: RFP support, white-labeled marketing, training, and a fast indication process. Customized products explicitly include Stop Loss and Stop Loss MGA/MGU.

Parent site for this directory slug is ryansg.com as specified; product depth lives on rsbenefits.com.

Key Capabilities

Financial: stop-loss placement, captives, level-funded, delegated UW, carrier access, analytics.
Integrated health: medical, pharmacy, care management, complex claim review, networks.
Advisory: CM, pharmacy consulting, claim reimbursement service, ancillary, occupational accident.
Cost-saving services list: PBM marketing, specialty carve-outs, formulary, bill negotiation, fraud monitoring, population health, network management, complex claims.

Integrations & Ecosystem

Carriers are accessed, not owned (except where an RSB entity has delegated authority—AccuRisk/MGU history). Surplus-lines path is disclosed.

Pricing

Indication in 24–48 hours is not a bindable rate. Final premium is carrier/MGU.

Notes & Limitations

Do not treat Ryan Specialty as the issuing stop-loss insurer.
24-hour vs 48-hour indication language both appear on the homepage.
Numeric scale widgets did not scrape as complete figures.

Sources

Tags: stop-loss · MGU · Ryan Specialty · captive · wholesale