Companion Group
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This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified current official website and a newer official producer/compliance manual than the one provided. Companion Life presents itself as a nationwide carrier focused on group and voluntary products that complement medical coverage, with a strong emphasis on employer groups, self-funded employers, and broker/GA/MGU distribution. Public product guidance highlights: (1) Stop Loss for self-insured employers, including specific stop loss, aggregate stop loss, and level self-funded options; (2) Accident & Health products including limited benefit indemnity plans for small and larger employers, short term medical, group supplemental expense coverage, and employer group waiver plans for retirees age 65+ supplementing Medicare Part D; and (3) Employee benefits/ancillary offerings referenced across the site, including disability and other group benefits. Geographic note: Companion states that Companion Life and affiliates are licensed in all 50 states and DC, but sales are state-specific and products/forms/rates must be confirmed approved in the applicable state before offering. Submission/compliance requirements for producers are explicit: producers must be properly licensed in each state; appointment is required within 15 days of a completed employer group application where just-in-time appointment is allowed, otherwise before solicitation/sale; no product may be offered without Compliance confirmation that the form/rate is approved in that state; sales to trusts and associations are prohibited unless the company gives explicit approval; proof of policy/certificate delivery must be retained in the producer/partner file and produced on request; failure to follow delivery practices may result in loss of commission and repeated failures can lead to disciplinary action/termination. Broker/producer operating instructions include use of only approved forms and rates, no alteration of filed forms beyond DOI/company-permitted parameters, and advance Compliance approval for any marketing materials not supplied by Companion. The current manual also requires business partners to submit quarterly complaint and advertising logs unless they qualify for and submit a one-time notification that the requirement is not applicable. Practical appetite take: preferred publicly described business is employer-oriented group/voluntary health-adjacent business and stop loss for self-funded employers; restricted/declined items that are expressly stated include unapproved state forms/rates, unauthorized trust/association sales, and unapproved producer-created marketing. No detailed public class-of-business decline list or stop-loss risk class grid was found on verified official pages.