Minimum Parameters

Minimum Size Group is 50 Employee Lives; Minimum Specific Deductible is $25,000.

Product Features

Specific and Aggregate coverage are offered together or separately. We offer Specific Advance and Aggregate Accommodation for an additional premium. We can include access to URN Transplant network by request.

Quoting Requirements

  • Group Name, location, and nature of business
  • Effective Date and Due Date (note GWI 's standard quote turnaround is 8 business days)
  • Current and Proposed TPA, PPO, Plan of Benefits and Contract Type
  • Census (preferably in 5-yr age brackets) with sex, age, coverage status (single/family) and residential zip codes.
  • Monthly Paid Claims and Employee Lives for the latest 18 months (without gaps). If fully insured, must have latest 2 years of experience and average lives for each period.
  • Individual Large Claim amounts with diagnosis and prognosis for the last two experience periods.
  • Number of Stop Loss Carriers in the last 5 years
  • Broker Commissions percentage

Declination List

Agriculture, including crops, dairy, and meat
Alcoholic Beverage Production
Ammunition Products
Amusement Parks
Asbestos Products
Chemical Manufacturing
Closed Public Bid Situations
Deep-Sea Transportation
Employee Leasing Firms/PEO's
Groups with more than 15% retiree population
Groups with less than 75% participation
Hospital Groups that are reimbursed more than 80% for domestic claims
Hotels/Motels (unless management only)
Law Firms (less than 500 lives)
Long-Haul Trucking
Mining (including oil drilling)
Motor Vehicle Dealers
Multiple Employer Groups (MEWA or Association)
School Districts, unless broker controlled
Taft-Hartley Groups (Unions) unless hours-bank administered by TPA