Underwriting Management Experts

What Underwriting Management Experts does

Underwriting Management Experts (UME) is a privately held Managing General Underwriter (MGU) founded in 2015 by Anne Marie Chapman, specializing in self-funded health insurance solutions for U.S. employers. The company delivers a vertically integrated service stack that includes underwriting, policy binding, contract issuance, premium collection, and claims payment, operating from ten locations nationwide with headquarters in Lansdale, Pennsylvania, and a secondary headquarters in Florida. UME's product portfolio centers on Traditional Stop-Loss (specific and aggregate), the Maximum Advantage program for small employers transitioning to self-funding, captive arrangements structured via fronting carriers and reinsurance, Minimum Essential Coverage (MEC), and Student Medical Plans, complemented by reinsurance brokerage, back-office administrative services, and life and ancillary products.

UME runs a cloud-based, paperless operational infrastructure that enables remote service delivery. Its core technology differentiator is access to Advanced Medical Strategies' Predict Suite, which provides predictive analytics for medical underwriting and risk assessment, supplemented by clinical staff training to support stop-loss decisions. The company has also filed a trademark for Sapient Health, announced as America's first fully transparent employer-owned product.

UME generates revenue through a combination of recurring stop-loss premium commissions, managed-services arrangements for reinsurance brokerage, and professional-services fees for back-office administration. Its go-to-market is sales-led, pairing a dedicated internal sales team with insurance broker and third-party administrator (TPA) channel partnerships that reach self-funded employers. Pricing is quote-based and tailored to each employer's risk profile rather than publicly disclosed. UME is independently owned with no parent company, is led by CEO Anne Marie Chapman alongside Co-Founder and President Samantha Gallagher, and has expanded headcount from 50+ employees in 2020 to a current 101-250 employee range.

Name

Underwriting Management Experts

Legal name

Underwriting Management Experts

Website

https://umexperts.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

Underwriting Management Experts is a U.S. Managing General Underwriter that delivers stop-loss coverage, captive solutions, and back-office services to self-funded employers, brokers, and TPAs across ten locations.

Ownership category

akta.pro rank

Product category

Stop-Loss Insurance / Managing General Underwriting

NAICS

Insurance Agencies and Brokerages (52421), Insurance Carriers (5241)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industries

Eligibility, Coverage Verification & Policy Administration Support (BPAAAFAC), Claims Adjudication & Rules/Edits Configuration Support (BPAAAFAE), Administrative Services Only (ASO) for Employers (HLAEAAAD)

Keywords

• Stop-loss insurance
• Self-funded health plans
• Managing general underwriting
• Captive insurance solutions
• Reinsurance brokerage

Headquarters

HQ city

Lansdale

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Stop-Loss Insurance Products: UME provides Traditional Stop-Loss coverage (specific and aggregate), Maximum Advantage programs for small employers, captive arrangements, MEC, and student medical plans as core insurance products.
2. Reinsurance Solutions: Reinsurance brokerage solutions arranged through fronting carriers, supporting captive arrangements with customized underwriting strategies.
3. Back-Office Services: Full range of administrative services including policy administration, claims handling, premium collection, and contract issuance for self-funded employer plans.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Underwriting Management Experts (UME) is a full-service Managing General Underwriter (MGU) that delivers stop-loss insurance, captive arrangements, Maximum Advantage programs, Minimum Essential Coverage (MEC), student medical plans, reinsurance solutions, and back-office administrative services to brokers, third-party administrators (TPAs), and self-funded employers. The company underwrites, binds policies, issues contracts, collects premiums, and pays claims on behalf of fronting carriers, with ten locations nationwide including headquarters in Pennsylvania and Florida.

Product overview

Underwriting Management Experts (UME) is a full-service Managing General Underwriter (MGU) offering a comprehensive suite of self-funded insurance solutions. The product portfolio includes six core offerings: Traditional Stop-Loss (for specific and aggregate coverage), Maximum Advantage (for small employers transitioning to self-funding), Captives (customized captive arrangements with fronting carrier and reinsurance), Student Medical Plans (for colleges, universities, and employers), and Minimum Essential Coverage (MEC for compliance requirements). These are complemented by back-office services, reinsurance solutions, and life/ancillary products. As a Managing General Underwriter, UME provides underwriting, policy binding, contract issuance, premium collection, and claims payment services.

Differentiator

Problem solved

Functional benefit

Brands

• Sapient Health: America's first fully transparent employer owned trademarked product (announced as upcoming product).

Products and services

• Traditional Stop-Loss Insurance coverage designed for self-funded employers who want to take control of their healthcare expenses. Groups can choose specific coverage or combined specific and aggregate coverage.
• Maximum Advantage UME's unique solution to help small employers become self-funded, allowing small group health plans the comfort of a fixed monthly payment while also reaping the benefits of self-funding.
• Captives Multiple captive insurance solutions for unique needs. UME arranges the fronting carrier and reinsurance while underwriting with a customized strategy for each captive arrangement.
• Student Medical Plans Self-funded health insurance plans offered through colleges, universities, and employers for students, funded directly by the school or through an insurance company.
• Minimum Essential Coverage (MEC) A limited medical plan available to help employers provide basic coverage while meeting compliance requirements, in lieu of major medical coverage. Can include preventive care, immunizations, routine imaging, and laboratory services.
• Back-Office Services Administrative and operational support services for self-funded health plans, including policy administration, claims handling, premium collection, and contract issuance.
• Reinsurance Solutions Reinsurance brokerage solutions arranged through fronting carriers, supporting captive arrangements with customized underwriting strategies.
• Life and Ancillary Products Life insurance and ancillary products designed to meet the unique needs of partners.

Quantifiable outcome

• Shannon Spencer achieved significant savings for Cost Containment unit during tenure at Tokio Marine HCC

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Seven partnerships are on record, tiered core and minor.

• Advanced Medical Strategies (AMS)coreTechnology or Integration · 1 October 2023AME provides UME with their Predict Suite predictive analytics tools, medical underwriting hours, and clinical staff training to support stop loss underwriting decisions and risk assessment capabilities.
• SIIA (Self-Insurance Industry Association)minorOthersProfessional association affiliation supporting the self-insurance and stop-loss industry
• HCAA (H Captive Association)minorOthersProfessional association affiliation for captive insurance industry
• Greater Montgomery County Chamber (GMCC)minorOthersLocal chamber of commerce affiliation supporting regional business community
• Philadelphia Chamber of CommerceminorOthersRegional chamber of commerce affiliation and recognition for business excellence
• SPBA (Society of Professional Benefit Administrators)minorOthersProfessional association for benefit administrators affiliation
• CIAB (Council of Insurance Agents & Brokers)minorOthersProfessional association affiliation for insurance agents and brokers

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Tokio Marine HCC: Major stop-loss insurance carrier/MGU offering specific and aggregate coverage, captive solutions, and medical stop-loss products. UME's newly hired SVP of Claims (Shannon Spencer) previously worked at Tokio Marine HCC's stop loss division, reflecting close competitive overlap.
• Sun Life Financial (Stop-Loss): One of the largest stop-loss insurance providers in the U.S., offering specific, aggregate, and captive solutions to self-funded employers through brokers and TPAs — directly overlapping UME's core product set and distribution model.
• Symetra Life Insurance Company: Symetra's Stop-Loss division provides specific and aggregate stop-loss coverage along with captive and reinsurance solutions for self-funded employer health plans, competing in the same MGU-style distribution channel as UME.
• HM Insurance Group: A leading stop-loss carrier owned by Highmark, providing employer stop-loss coverage, provider excess, and reinsurance solutions — competing with UME for broker and TPA partnerships in the self-funded employer segment.
• Companion Life Insurance: Specialty stop-loss and medical insurance carrier serving self-funded employer plans through brokers and TPAs. Companion's stop-loss products and MGU-style distribution overlap directly with UME's Traditional Stop-Loss and Maximum Advantage offerings.
• Voya Financial Stop-Loss: Voya's Employee Benefits division provides stop-loss insurance for self-funded employer health plans, offering similar specific and aggregate coverage through broker and TPA channels that UME also targets.
• Berkley Accident and Health: Specialty insurer offering stop-loss, medical excess, and group disability products to self-funded employers. Berkley A&H competes with UME in the MGU/wholesale-distributed stop-loss market segment.
• BCS Financial Corporation: Provides stop-loss insurance and captive solutions for self-funded employer health plans, primarily through Blue Cross Blue Shield affiliates. BCS competes for the same broker-driven employer stop-loss placements as UME.

Emerging players

• RPS (Risk Placement Services): Wholesale insurance distributor and MGU platform placing specialty insurance including stop-loss with retail brokers. RPS operates in a similar distribution role to UME for self-funded employer stop-loss coverage.

Broad incumbents

• Cigna Group (Stop-Loss / Evernorth): Cigna/Evernorth offers stop-loss insurance as part of a broad health services portfolio. While UME is a focused MGU, Cigna competes for self-funded employer stop-loss placements with deeper capital and broader product bundling.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/UmExperts

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Underwriting Management Experts