Symetra

Public facts

Medical stop-loss carrier

Symetra Life stop-loss since 1976: specific deductibles from $25,000, unlimited annual/lifetime specific benefits, standard 125% aggregate corridor, and TPA/ASO partnerships.

Visit symetra.com

Overview

Symetra Life Insurance Company (Bellevue, WA; est. 1957) writes employer medical stop-loss (base policy ELC-24000 7/19; older LGC-12000 9/06 also cited). Official employer copy says Symetra helped pioneer stop-loss and issued its first policy in 1976 (50th anniversary in 2026). Specific: deductibles starting at $25,000; unlimited lifetime and annual benefits; aggregating-specific option; advance funding standard on all policies. Aggregate: 125% corridor standard; maximums up to $10 million may be considered; aggregate accommodation by group size. A $5,000 specific step-down may be available when the group also offers Symetra Critical Illness (form ELC-24110 3/24 in most states). New York paper is First Symetra National Life Insurance Company of New York (ELC-24000/NY 7/19). Features vary by state and are not available in U.S. territories.

Why it matters Symetra is a 50-year independent stop-loss specialist with published specific/aggregate menus and standard advance funding.

Target buyer: Self-funded employers and brokers/TPAs placing independent stop-loss, including groups that also want Symetra critical illness.
Pricing model: Quoted excess-loss premium; No public rates. Employer site was Cloudflare-blocked in this pass; facts are from indexed official pages, broker portals, and a January 2026 Business Wire anniversary release.
Availability: National
Research: Last researched 2026-08-23; Public facts category

Key features

Specific stop-loss from $25,000 deductible
Unlimited specific annual and lifetime benefits (vendor)
Advance funding standard
Aggregate stop-loss, 125% standard corridor
Pre-implementation plan-document review and claim-reimbursement guidance (broker admin page)
Optional CI step-down deductible

Integrations

TPAs and ASO carriers (long-history partnership language)
Symetra Critical Illness for step-down endorsement

Overview

Symetra stop-loss is insured by Symetra Life Insurance Company, 777 108th Ave NE, Suite 1200, Bellevue, WA 98004. The company dates stop-loss to 1976 and marked 50 years in January 2026.

Coverage is specific (per person) and/or aggregate (whole group). Broker administration pages describe partnerships with TPAs, ASO carriers, brokers, and consultants; proactive plan-document review; a program to preview how Symetra will reimburse a claim against the plan document; and regional claims examiners including RNs and certified case managers.

The consumer/employer marketing URL returned a Cloudflare block during automated fetch; product facts above are from Symetra’s publicly indexed stop-loss pages and official communications.

Key Capabilities

Specific deductibles from $25,000; aggregating specific available.
Unlimited specific max (vendor).
Advance funding on all policies (vendor).
Aggregate corridor typically 125%; higher/lower may be available; up to $10M aggregate max may be considered.
CI step-down of $5,000 when paired with Symetra Critical Illness.
Claims contacts published for brokers: specific elclms@symetra.com; aggregate grpaud@symetra.com.

Integrations & Ecosystem

TPA/ASO distribution. CI endorsement is a Symetra-to-Symetra add-on, not a generic CI credit.

Pricing

Quote only.

Notes & Limitations

Not available in U.S. territories; state variation applies.
Confirm NY legal entity (First Symetra) on NY paper.
Do not use a single public bid’s deductibles (e.g., a county RFP) as Symetra list prices.

Sources

Tags: stop-loss · Symetra · independent · self-funded