Brokers and Consultants

ACE works with you and for you, maximizing the value you bring to your clients, expanding your offerings and streamlining your workflow. Our team takes ownership of the benefits process, start to finish. We provide comprehensive Stop Loss, Life and Disability services that include initial marketing, carrier negotiations, analysis, recommendations, implementation, ongoing renewal management, premium processing and Medical Stop Loss claims management.


What We Do:
Benefits:


Marketing and Analysis
Utilize the ACE Team's expertise and industry knowledge on various product portfolios, underwriting guidelines, and contract provisions. We understand the value of Stop Loss, Life and Disability benefits, the underlying contract details and why they are important. Negotiations are not specific to rate alone. We work with industry leading carriers, analyze their contract value, value added services and the specific needs of your client to ensure that we are delivering the best available benefits package for you to present.
 

  • Take advantage of the ACE Team's proven sales and negotiating skills.

  • RFP is unique to each client and will focus on the current contract details to ensure no gaps in coverage.

  • Detailed write up and in depth analysis that includes our recommendation and the reasoning behind it.  

  • Spreadsheet specific to your client addresses any proposed benefit changes from their current plans with a detailed analysis of the benefits and their importance.

  • No disruption with your current carrier representative. At ACE we are an extension of you, we work with your team and partner with your Sales Representative.



Placement and Implementation
ACE takes ownership of the benefit placement process, including disclosure management for Medical Stop Loss. Prior to final contract approval, we provide a thorough contract review to ensure all negotiated contract features, rates and rate guarantees are included.
 

  • Minimize mistakes, contract gaps and potential future claim liability.

  • Applications and required documentation for new coverage submitted to the carrier accurately and on time.

  • Confidence and peace of mind that you have provided your client superior benefits with no potential gaps in coverage.



Renewal Management
ACE provides ongoing renewal Management for all of our mutual clients . We are committed to beginning the renewal process at least 180 days in advance for Life and Disability and 120 days for Medical Stop Loss.
 

  • Analyze initial data and negotiate with current carrier.

  • Provide you with a detailed renewal package to take to your client.



Administrative Services
ACE offers consolidated billing on all ACE related benefits as well as Medical Stop Loss Claims monitoring, facilitation and management.
 

  • Saves your client administrative time and hassle.

  • Ensures on time premium payments and accuracy for your clients.

  • Medical Stop Loss claims management improves the overall efficiency of the process and expedites claim reimbursement.



Maximize your Value
ACE will provide a thorough review of your book of business and advise you on how to bring more value to your clients while increasing your revenue.
 

  • Free up time to focus on expanding your book of business and other critical projects.

  • Decrease costs by streamlining processes.

  • Provide value added solutions and education to your clients by taking advantage of the ACE Teams proven negotiating skills and unparalleled Industry knowledge.

  • Security of knowing you are providing your client with the best benefits and service they deserve.