Insurance Mass Marketing Systems, Inc. (IMMS) has represented Certain Underwriters at Lloyds, London for medical stop loss coverage for more than 20 years. IMMS underwrites stop loss risks in all states where Lloyds is permitted to write coverage.

IMMS selectively “partners” with high-quality TPAs whose business philosophy and practices demonstrate concern for claim costs and the welfare of the reinsurer. Consequently, we achieve much better than average results through these partnerships.

IMMS writes both specific and aggregate coverages, with specific deductibles down to $25,000. The minimum required premium for specific is $60,000 and $6,000 for aggregate. We are most competitive with larger sized cases, and our primary focus is in the 100+ employee group market.