Broker products to meet your diverse client needs.

About HCC Life
For more than 30 years, HCC Life Insurance Company has been leading the way in stop loss insurance for employers who self-fund their employee benefit plans. HCC Life Insurance Company’s products, including Medical Stop Loss, HMO Reinsurance, Medical Excess and Group Term Life Insurance, are backed by the financial stability of their parent company, HCC Insurance Holdings, Inc. (NYSE: HCC), and hold a rating of A+ (Superior) for financial strength awarded by A.M. Best Company ratings services.

Headquartered in Atlanta, GA and with offices in Dallas, TX, Minneapolis, MN, Scottsdale, AZ, and Boston, MA, HCC Life Insurance Company delivers competitive coverage through exceptional customer service. Their team of underwriters, claim specialists, actuaries and medical professionals provides personal service and professional expertise to a network of producers and third party administrators (TPAs) across the United States. Their top priority is serving your medical stop loss, group term life and AD&D insurance needs.

Financial Strength
HCC Life’s Accident & Health division provides coverage for more than 10 million lives nationwide, which drives us to consistently maintain one of the strongest reputations in the industry for outstanding financial strength and stability.

  • A+ (Superior) by A.M. Best Company
  • AA (Very Strong) by Standard & Poor’s
  • AA (Very Strong) by Fitch

Medical Stop Loss*
HCC Life’s medical stop loss products and services allow their underwriters to customize coverage to meet the diverse needs of their clients.

  • Specific (individual) coverage
  • Aggregate (group) coverage
  • Flexible contract terms (e.g. 12/12, 12/15, incurred specific)
  • Simultaneous funding
  • Early lock-in
  • Guaranteed “no laser” renewals/ Contract Advantage Plan (CAP)
  • Split-funded aggregate
  • Terminal aggregate coverage
  • Terminal specific liability benefit
  • Straight-forward contract that incorporates the employer’s plan document
  • Commitment to prompt, responsible claims service
  • Expert medical management resources

*Products may vary by state

The Parent Company is HCC Insurance Holdings, Inc.
HCC Insurance Holdings, Inc. (NYSE: HCC) is a leading international Specialty Insurance group dedicated to helping businesses and individuals take on opportunities with confidence. Backed by the insurance industry’s highest available financial ratings, HCC participates in more than 100 classes of Specialty Insurance. Every day from offices across the United States and in the United Kingdom, Spain and Ireland, their 2,000 employees apply a unique understanding of risk and passion for underwriting. Their name for this smarter practice of insurance: Mind over risk.

To learn more about HCC Life Insurance Company, please contact your BenefitMall Self-Funded Division Team.



A. M. Best

Additional Medical & Non-Medical Products

  • Specific Stop Loss
  • Aggregate Stop Loss