Services and Products
specific and aggregate stop loss coverages • creative specific/aggregate combinations • flexible deductibles based on client needs and carrier requirements • max individual lifetime limit of up to $5M available • aggregate protection of up to $2M in reimbursable benefits • risk corridors as low as 20% • can include health benefits such as dental, vision, freestanding prescription drugs, even short-term disability under aggregate coverages • tiered deductible options • aggregated deductibles • plan design assessment

Strengths
proprietary authority to evaluate and underwrite risks • partnership with industry-leading domestic and overseas insurance carriers who have delegated to us the “power of the pen” • proud industry reputation • inhouse healthcare practitioners for underwriting support • contracts issued by TRU in all 50 states • stable, fully credentialed, professional underwriting staff averaging more than a dozen years of experience

Advantages to our TPA/Broker Partners
same-day & emergency response to underwriting requests • access to broad base of conventional & non-standard coverages • contract comparison & financial analysis • no bureaucratic intrusion into client relationships • flexible commission structure • commissions remitted twice each month • premiums remitted net of commissions • joint sales & service calls

Advantages to our Clients
same-day response to coverage needs • custom designed prices & products • analysis of optional approaches • responsive, plain-English communications • right price up front • creative underwriting of known claims • specific advanced funding • carrier licensing approval coordination • actively-at-work waivers with full disclosure

TRU Services, LLC
100 Cummings Center, Suite 220G • Beverly, MA 01915
Phone: 978-564-0200 • Fax: 978-564-0201