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... a focused placement option for Individual Health Insurance for New Jersey res...ble outside of New Jersey?No. This individual health insurance program is excl...

...e This program is ideal for: Individual tax preparers Small to mid-size accounti...r accounting, consulting, financial planning, notary public, fiduciary, invest...

...nsured, with younger, healthier individuals having a smaller initial single pr... also be rigid, with the potential for tax penalties, owed income taxes, and policy surrender charges for early withdrawal based on applicable tax rules.

...oyee) is generally free from income tax. Note: If the death proceeds ... favorable, but different business and tax results. In a reverse split-dollar...

Surplus Lines Tax Filing has never become easier! With o...er need to hunt down rules, documents, tax rates, fee restrictions, or state c...

Medical Stop Loss Insurance from Alexander J. Wayne & Associates, Inc. Alexander J. Wayne & Associates, Inc. places hard-to-find Medical Stop Loss programs for both fully insured and self-funded employer groups. We offer broad market access — including top U.S. carriers and Lloyd’s of London — so you can access admitted and non-admitted excess medical capacity depending on the client’s state and needs. Whether you’re placing groups as small as 50 lives or much larger employers, we help design flexible stop loss structures that balance protection and cost. Ideal Accounts and Appetite Our stop loss solutions are targeted to brokers and agents who work with mid-sized to large employers seeking to manage catastrophic medical risk. Typical fits include: Employer groups with 50+ lives Employers newly moving from fully insured to self-funded arrangements Groups seeking creative alternatives to standard health plan buyouts Accounts with known high-cost exposures (transplants, oncology, catastrophic claims) We welcome challenging placements — high claims volatility, prior large claims, and unique exposures are often exactly the business our markets will consider. We’ll analyze your client’s experience and recommend appropriate specific deductibles, corridor options, and contract features. Coverage Highlights and Ancillary Services In addition to standard specific and aggregate stop loss, our capabilities include a range of ancillary and specialty coverages to complete a self-funded program: Transplant-specific stop loss Group Life Insurance Dread Disease Insurance Travel Accident programs Medical Indemnity coverage Medicare Supplement options Provider Excess Insurance Benefit Captives (South Carolina) We also help connect you with experienced TPAs, actuaries, utilization review vendors, and provider network partners to support plan design, pricing, and administration. Underwriting Flexibility and Program Details Our underwriters are pragmatic and creative. We’ll structure retention levels, corridor and aggregate features, and commission arrangements to match a client’s budget and risk tolerance. Expect a hands-on underwriting review that looks at current claims trend, large claim history, stop loss attachment preferences, and any clinical exposures that may require tailored language or sublimits. Available Markets and Territories We place business with a select group of major U.S. carriers and Lloyd’s of London (domestic and London open market). Solutions may be offered on an admitted basis in some states and as non-admitted placements in others to secure competitive capacity. Our reach includes all 50 states and Washington, D.C., with capability in major markets such as CA, FL, IL, NY, and TX as well as traditionally harder-to-place states. Why Partner with Alexander J. Wayne & Associates As a wholesale broker focused on stop loss, Alexander J. Wayne & Associates brings deep market relationships and decades of experience placing complex excess medical risk. We provide prompt quoting, problem-solving underwriting, and access to specialty solutions that many brokers cannot obtain directly. Our goal is to help you win and retain business by delivering competitive terms and practical implementation support. Call us today and ask how Alexander J. Wayne & Associates can help you place hard-to-place Medical Stop Loss Insurance accounts. Frequently Asked Questions What types of accounts are a good fit for this Medical Stop Loss program?Our program fits employer groups with 50 or more lives that are self-insured or transitioning from fully insured plans. We also place high-risk or claims-volatile groups that need customized stop loss structures. Do you offer additional services beyond stop loss coverage?Yes. We can connect you with TPAs, actuaries, provider networks, and utilization review partners, and we place ancillary coverages such as transplant, group life, and dread disease insurance. What carriers do you work with for Medical Stop Loss?We work with a select group of major U.S. carriers and Lloyd’s of London, providing admitted and non-admitted options depending on the state and client requirements. Can you help with small groups under 100 employees?Yes. We can assist with groups as small as 50 lives and will tailor structures to the group’s risk profile and funding goals. In which states is this program available?We can place Medical Stop Loss nationwide, including all 50 states and Washington, D.C.; admitted availability varies by carrier and state. Need help placing an account? Connect with a market specialist.

...mid-size professional firms and individual consultants. Typical appetites incl...ice providers—consultants, bookkeepers/tax preparers, TPAs, collection agencie...

...start as low as $1,000 plus fee and tax, depending on exposure and state filin...low as $1,000 plus applicable fees and tax; final pricing is determined at quo...

...ible. Each risk is underwritten individually based on its merits. Is Cyber Lia...

Vacant Building Insurance Solutions from The Distel Group Joseph Distel & Co. Inc., operating as The Distel Group, offers a flexible Vacant Building Insurance program for commercial and residential properties that are temporarily unoccupied. Whether a property is being held for resale, between tenants, or undergoing light renovations, this program provides targeted property and liability coverages to help manage the unique risks of vacancy. Program Overview The Vacant Building Insurance program is available on a monoline or package basis. Property and General Liability coverages are configurable based on the property's use, condition, and level of renovation activity. We accommodate vacant commercial buildings (with or without incidental renovations) and vacant residential dwellings; monoline liability for residential risks is also available. Agents can obtain quick online comparative quotes through our STAR rating platform: http://mgastar.com. Ideal Accounts and Appetite This program is designed for: Vacant commercial buildings with light or no renovation activity Residential properties between tenants or awaiting sale Idle properties due to foreclosure, estate transfer, or delayed development Not a fit: properties undergoing major structural renovations, locations with significant code violations, unresolved safety hazards, or extensive deferred maintenance. Example scenarios: You might have a client who owns a former retail space that is vacant while they search for a new tenant, or a homeowner in probate with an unoccupied single-family home—both are strong candidates for this program. Coverage Highlights Property coverage options: Building and Business Personal Property Basic, Broad, or Special form options Replacement Cost (RC) or Actual Cash Value (ACV) General Liability highlights: Primary limits up to $3 million occurrence/aggregate Medical payments — $5,000 included Additional interests — included Coverage limited to designated premises Excess/umbrella capacity up to $25 million No deductible is required for this program. Underwriting Notes and Premiums Minimum premium starts at $750. Underwriting focuses on structure condition, vacancy history, security measures, and planned future use. Both new submissions and renewals are accepted. The Distel Group supports fast turnarounds via the STAR system for eligible risks. Available States This program is currently available in the following states: Connecticut (CT) Maine (ME) Massachusetts (MA) New Hampshire (NH) Rhode Island (RI) Vermont (VT) Why Partner with The Distel Group? As a Managing General Agency and Excess & Surplus Lines Broker, The Distel Group provides deep market access and underwriting expertise for vacant property risks. We place business with multiple E&S carriers, offer flexible terms for hard-to-place accounts, and give agents a streamlined quoting experience to move business quickly. Let The Distel Group be your go-to resource for placing Vacant Building Insurance with confidence and speed. Frequently Asked Questions What types of accounts are a good fit for this program?We target vacant commercial buildings with minimal renovations and vacant residential properties—single-family homes or multi-unit buildings awaiting sale or new tenants. Is this program available in all states?No. The program is currently offered in CT, ME, MA, NH, RI, and VT. Can I get a quote online?Yes. Agents can obtain comparative quotes quickly through our STAR platform at http://mgastar.com. What is the minimum premium for this program?The minimum premium starts at $750, subject to the risk profile and chosen coverages. Are policies written on an admitted or non-admitted basis?Most available markets are non-admitted, which provides greater flexibility in underwriting and terms. Need help placing an account? Connect with a market specialist.