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 >


We’ve been in the stop loss business for more than 40 years. In fact, we helped pioneer it.

That means we know the importance of offering contracts with:

No new or increased lasers at renewal.

No declined renewals due to poor claims experience.

Only three 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

Symetra delivers service and options most stop loss carriers can't match.

Best-in-class policy

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

Efficient claims processing

Most claims are processed within five business days.
And our low documentation requirements mean you
won’t be burdened with extra paperwork.

Predictable reimbursements

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

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 our Group Online (GO) tool.

Get to know GO

Access your account

Already a Symetra policyholder? Log in to GO.

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Next steps

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

Download questions to ask your stop loss provider.

Questions to ask a potential stop loss carrier (PDF)
Stop loss, filed as the Excess Loss policy, is insured by Symetra Life Insurance Company, 777 108th Ave NE, Suite 1200, Bellevue, WA 98004, and is not available in any U.S. territory. Our New York subsidiary insures products for New York policyholders.