Jencap A&H Insurance Solutions

What Jencap A&H Insurance Solutions does

Jencap A&H Insurance Solutions is a privately held managing general underwriter (MGU) formed on July 1, 2026 through the combination of International Assurance of Tennessee Inc. and Aran Insurance Underwriters, now operating as a subsidiary of the diversified Jencap Group platform alongside sister companies Eventsured, HRMP, and Minico. The company underwrites three specialty insurance lines: Employer Stop-Loss Insurance (specific, aggregate, and aggregate-only coverage for self-funded employer health plans, with minimum $20,000 specific deductibles, 25-employee minimum group size, and $35,000 minimum annual premium), Inmate Medical Stop-Loss Insurance (catastrophic medical expense coverage for government entities and private facility operators covering inmates treated outside detention walls), and Life Conversion Administration (third-party administration of group life policy conversions including actuarial and multi-state compliance work). The company also operates a Stop-Loss Claims Administration service supporting TPAs and brokers.

The business generates revenue primarily through underwriting spreads on stop-loss premiums (a recurring, subscription-like revenue stream tied to employer group size, deductibles, and coverage levels) and through professional service fees for life conversion administration. GTM operates through three channels: insurance brokers and consultants, third-party administrators (TPAs), and direct-to-employer/Government sales via website-driven quote requests. The company leverages long-standing relationships with AM Best A-Rated carriers to provide paper, and targets national reach with offices in Franklin, Tennessee (headquarters) and Phoenix, Arizona. The leadership team includes President Scott Eastland, CRO Brandon Baisden, CUO Mark Routson, VP Operations Brenda McAfee, and VP Claims Beth Archie. The technology stack consists of underwriting expertise, policy administration systems, and claims processing capabilities rather than a proprietary technology platform; no AI/ML capabilities are referenced.

Name

Jencap A&H Insurance Solutions

Legal name

Jencap A&H Insurance Solutions

Website

https://jencapah.com

Company type

Private

Founded year

2026

Operating status

Operating

Short description

Jencap A&H Insurance Solutions is a managing general underwriter specializing in employer stop-loss insurance, inmate medical stop-loss, and life conversion administration, serving self-funded employers, government entities, brokers, and TPAs across the United States.

Ownership category

akta.pro rank

Product category

Stop-Loss Insurance Underwriting

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Agencies and Brokerages (52421), Insurance and Employee Benefit Funds (5251)

SIC

Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411), Insurance Carriers, Nec (6399)

akta.pro industry

PRIMARYFSAEADAK

Insurance Program Administration & MGA/MGU Services

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

SECONDARYHLAEAAAF

Stop-Loss & Excess Loss Coverage (Employer Sponsored)

Healthcare & Life Sciences/Health Insurance & Managed Care/Commercial (Employer-Sponsored) Health Insurance

SECONDARYFSAIAFAB

Self-Funded (ASO) Group Health Plans & Stop-Loss

Financial & Insurance/Insurance — Life & Health/Group Health Insurance (Employer-Sponsored)

SECONDARYHLAEALAB

Stop-Loss & Reinsurance Administration (Captive/Level-Funded Support)

Healthcare & Life Sciences/Health Insurance & Managed Care/Third-Party Administration (TPA) & Administrative Services Only (ASO)

SECONDARYFSAIADAA

Basic Group Term Life (Employer-Paid)

Financial & Insurance/Insurance — Life & Health/Group Life Insurance (Employer-Sponsored)

Keywords

• Stop-loss insurance
• Managing general underwriter
• Employer stop-loss coverage
• Inmate medical insurance
• Life conversion administration

Headquarters

HQ city

Franklin

HQ country

United States

HQ region

North America

Offices2 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 Underwriting: As a managing general underwriter, Jencap A&H generates revenue by underwriting stop-loss insurance policies for self-funded employers. The company assumes risk and earns underwriting spreads on specific stop-loss, aggregate stop-loss, and aggregate-only stop-loss coverage. Premium revenue is derived from employer contributions based on group size, specific deductibles, and coverage levels.
2. Life Conversion Administration Services: Administrative services for group life conversion, enabling employers to transfer liability and administrative complexity of life conversion to Jencap A&H. Revenue is generated through service fees for managing conversion administration, actuarial tasks, and multi-state compliance.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Jencap A&H Insurance Solutions is a managing general underwriter that underwrites and administers employer stop-loss insurance (Specific, Aggregate, and Aggregate-Only) for self-funded employer health plans, inmate medical stop-loss coverage for government entities and private detention facility operators, and life conversion administration services. Revenue is earned primarily through underwriting premiums on stop-loss policies and administrative service fees for life conversion processing.

Product overview

Jencap A&H Insurance Solutions is a managing general underwriter offering three core insurance products: Employer Stop-Loss Insurance (providing Specific, Aggregate, and Aggregate-Only Stop-Loss coverage to protect self-funded employer plans), Inmate Medical Stop-Loss Insurance (covering catastrophic medical expenses for inmates in custody), and Life Conversion Administration (outsourcing group life policy conversions to eliminate administrative burden). The company also provides Stop-Loss Claims Administration as a supporting service, streamlining reimbursement processes with TPAs and brokers.

Differentiator

Problem solved

Functional benefit

Products and services

• Employer Stop-Loss Insurance Customized employer stop-loss insurance solutions that protect self-funded health benefit plans from catastrophic individual claims (Specific Stop-Loss), unexpectedly high total claims (Aggregate Stop-Loss), or aggregate-only protection. Designed for employer groups with at least 25 employees, a minimum specific deductible of $20,000, and a minimum annual premium of $35,000, with flexible contract terms and a 90-day lock-in period.
• Inmate Medical Stop-Loss Insurance Specialized inmate medical stop-loss solutions for government entities and private correctional facility operators covering inmates, detainees, and others in custody who receive treatment outside a detention facility, including pregnancy, HIV/AIDS, mental health, and substance abuse inpatient care. Minimum of 2 inmates, $1,000 per-inmate deductible, $250,000 per-inmate coverage maximum, and $1M policy aggregate, with 12-month policy periods and rates calculated per inmate per month.
• Life Conversion Administration Third-party administration service that transfers the administrative complexity of group life conversions off employers, including individual policy review, actuarial tasks, and management of multi-state jurisdictional deadlines for notification, disclosure, issuance, and payment.
• Stop-Loss Claims Administration Claims processing and reimbursement services for stop-loss policies, handling specific stop-loss claims and aggregate claim reimbursement requests through electronic funds transfer, with streamlined workflows that coordinate with TPAs and brokers to accelerate payment.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• A-Rated Carriers (AM Best)coreTechnology or IntegrationJencap A&H maintains long-standing relationships with A-Rated carriers (rated by AM Best) to provide market access, financial stability, and confidence. These carrier partnerships enable the company to deliver stop-loss coverage backed by carriers with strong financial ratings.
• Jencap Group PlatformcoreStrategic or Co-development PartnerJencap A&H is part of the Jencap Group platform, a powerful network of companies delivering broad range of specializations, market access, and geographical expertise. Sister companies include Eventsured, HRMP, and Minico.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Symetra Life Insurance Company: Symetra offers stop-loss and group benefits products as part of a wider employee benefits portfolio. It competes with Jencap A&H for self-funded employer stop-loss placements through broker distribution.
• Anthem Stop-Loss (Elevance Health): Anthem (Elevance Health) markets stop-loss coverage to self-funded employer customers within its broader commercial health benefits portfolio. It competes for the same employer stop-loss buyers via similar distribution channels.
• Voya Financial (Stop-Loss): Voya's Employee Benefits business offers stop-loss coverage as part of a broader group benefits portfolio. While not a pure-play MGU, its stop-loss product competes for the same employer customers and broker relationships as Jencap A&H.
• Cigna Group (Stop-Loss): Cigna's Health Care division writes stop-loss coverage alongside broader medical and supplemental products. As a broad incumbent it overlaps with Jencap A&H in the same employer market though on a vastly larger scale.

Emerging players

• Risk Strategies Company: Risk Strategies is a specialty insurance brokerage and program-management firm with employee benefits capabilities. Its MGU-style service offering and emphasis on niche lines are comparable to Jencap A&H's specialty MGU positioning.
• Alliant Insurance Services: Alliant operates MGU/program-administration units in employee benefits including stop-loss-adjacent specialty products. It is comparable in business model (program administrator/MGU) and target buyer (brokers and self-funded employers).

Direct peers

• Sun Life Financial (Stop-Loss): Sun Life's Group Benefits division is a major writer of employer stop-loss coverage in the U.S. self-funded market. It competes head-to-head with Jencap A&H for broker-distributed stop-loss placements with similar employer target customers.
• BCS Financial Corporation: BCS Financial operates a stop-loss MGU serving self-funded employer plans and is comparable in niche specialization. It goes to market through similar broker/TPA channels with analogous specific and aggregate stop-loss products.
• Tokio Marine HCC: Tokio Marine HCC is one of the largest stop-loss MGUs in the U.S., underwriting employer stop-loss coverage through brokers and TPAs. It is a direct competitor to Jencap A&H in the same specific/aggregate stop-loss product category and distribution channel.
• Companion Life Insurance Company: Companion Life is a specialty stop-loss MGU focused on self-funded employer plans, distributed through brokers and TPAs. Its product structure and target customer base closely mirror Jencap A&H's employer stop-loss offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Jencap A&H Insurance Solutions