Underwriting Management Experts (UME) is a full service MGU.  We provide flexible, innovative stop-loss, captives and life products that meet the unique needs of our partners.

UME offers professional expertise, personalized service and creative solutions to an ever-changing market place.

UME is a managing general underwriter of employer stop-loss coverage. We provide a full range of services including underwriting, policy binding, contract issuance, premium collection and claims payment. We also offer captive solutions and student medical.

UME is known for its excellent customer service and responsiveness. We are flexible and accommodating, and our main goal is to meet the needs of our partners.

Our home office is in Lansdale, PA.

With Satellite offices in:

  • Pittsburgh, PA
  • Philadelphia, PA
  • Avalon, New Jersey
  • Lewes, Delaware
  • Atlanta, Georgia
  • Tampa, FL

Our product features include…

  • Maximum Advantage Funding
  • Specific Advance (at no additional charge)
  • Aggregate Monthly Accommodation
  • Aggregating Specific Deductibles
  • Specific and Aggregate Terminal Liability Options
  • Multiple Contract Terms (ranging from paid contracts to
    short-term incurred and paid contracts)
  • Minimum Case Size of 25 lives
  • Minimum Specific Deductible of $15,000
  • Group Term Life and AD & D Insurance
  • No Laser Options