Stop loss

Capping your health plan risk

If you self-fund your employee health care plan, stop loss can help protect it against large and catastrophic claims.  See video


When it comes to stop loss, First Symetra delivers flexibility and options most carriers can’t match

No new or increased lasers at renewal.1

No declined renewals due to poor claims experience.

Limited general exclusions.

Terminal liability options.

No exclusions or limitations that conflict with your plan document.

Prescription drug benefits.

Two coverage options

Choose one or both of the following—whichever meets your needs:



Provides large-claim and catastrophic coverage per individual plan participant.

  • Deductibles starting at $25,000.
  • Unlimited lifetime and annual benefits.
  • Aggregating Specific option.  See Video
  • Advance funding standard on all policies.


Provides coverage for the entire group to limit overall claim costs.

  • Flexible corridors—125% is standard; others may be available.
  • Maximums up to $10 million may be considered.
  • Aggregate accommodation is available based on group size.

No surprises

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Best-in-class policy

Our policy mirrors your plan document without any conflicting limitations or definitions.

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Efficient claims processing

We pay claims quickly. And our low documentation requirements mean you won’t be burdened with extra paperwork.


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Predictable reimbursements

Find out in advance how a claim will be reimbursed, through our technical referral assistance program.

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Cost containment

Our specialist works with vendors and Centers of Excellence to negotiate the best possible price for expensive treatments that could affect the plan.

Compliance assistance

Symetra Compliance Solutions provides convenient online assistance in navigating the continuously changing landscape of ERISA, HIPAA and related laws.

Online administration

Administration is easy with Group Online (GO).

Access your account

Already a First Symetra policyholder? Log in to GO.

Next Steps

First Symetra offers a number of solutions to help you stay competitive in today's marketplace. To learn more, contact your benefits representative.


Stop loss policies are insured by First Symetra National Life Insurance Company of New York, New York, NY. Mailing address: P.O. Box 34690, Seattle, WA 98124. Policy form numbers are ELC-24000/NY 7/19 or LGC-12000/NY 9/08, filed as Excess Loss. Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions.

Symetra Compliance Solutions is provided by Enquiron® through Symetra and may not be available in all states. Symetra assumes no responsibility or liability for any resources or content provided by Enquiron®. Enquiron® is not affiliated with First Symetra National Life Insurance Company of New York or any of its affiliates. © 2022 Enquiron. All rights reserved.

1 Standard offering.