90DB Underwriting Program – Quick Reference Guide (2026)

Overview

The 90DB Underwriting (UW) program is administered through Allied (Kansas City) with Fidelity Security as the primary stop-loss carrier. This program is designed for faster processing, flexible funding, and improved underwriting outcomes for small to mid-sized groups.

Core Program Structure

Contract & Funding Design

• Spec/Aggregate stop-loss contracts
• 12/24 contract structure (fully incurred)
  • Up to 15-month contracts available for renewal alignment
• 12-month runout (extended vs. standard 6 months)
• Variable aggregate attachment point
  • Protects against increased costs due to census reduction
• Specific advancement included on all policies
• Weekly aggregate accommodation payments
  • Most processed within the same week

Underwriting Guidelines

• Eligible Group Size: 10 – 150 enrolled lives
• Minimum Participation:
  • 40% of full-time employees (pre-waiver)
  • OR 75% of eligible employees (post valid waivers)

Note: This may be flexible, if there are concerns connect with Rob Flunker.

• No dependent participation requirement
• No lasers (group is either approved or declined)