March 09, 2020

FullscopeRMS enhances employer stop-loss offering for health plan administrators

South Portland, Maine (March 9, 2020) – FullscopeRMS announced today it has enhanced its turnkey stop-loss reinsurance solution. FullscopeRMS is now offering its health insurance partners the option to distribute stop-loss coverage issued by its highly rated insurer, Independence Life and Annuity Company, which now has filed and approved stop-loss policies in several states. Independence Life has a financial strength rating of A- (Excellent) by AM Best.

“By adding Independence Life paper to our stop-loss suite, FullscopeRMS can now give health insurers the option to add a stop-loss product to their existing administrative capabilities without having to invest the significant capital to establish their own underwriting company,” said Renee Shiller, head of Stop-Loss Solutions for FullscopeRMS. “This allows our partners to expand their health plan portfolios and grow their client base.”

Shiller joined FullscopeRMS at the beginning of the year from parent company Sun Life. She has more than 20 years of experience primarily in the insurance industry in actuarial, pricing and data analytics roles across nearly all product lines including Sun Life’s medical stop-loss business, the largest independent U.S. stop-loss provider*. Renee is a member of the American Academy of Actuaries (MAAA) and a Fellow of the Society of Actuaries (FSA). She has a bachelor’s degree from Yale in mathematics and architecture.

“Renee’s deep actuarial and analytic experience, combined with her strategic thinking, makes her the ideal leader for our Stop-Loss Solutions business,” said Scott Beliveau, president of FullscopeRMS. “Our employer stop-loss offering for health plans and insurers has the combined expertise of our full-service, customized offering from product development to claims administration with the financial stability of a long-standing underwriting company and a leader from the top independent stop-loss company in the U.S.”

Insurers that serve as health plan administrators for self-funded employers can market the stop-loss coverage to help protect their employer clients from excessive financial losses caused by high-cost medical claims.

Independence Life, founded in 1945, is part of the Sun Life U.S. group of companies. The employer stop-loss offering is supported by decades of experience in both the traditional and level-funded stop-loss businesses.

In addition to employer stop-loss, the FullscopeRMS portfolio offers turnkey solutions for disability, life, absence management and supplemental health products, with a suite of capabilities and solutions for insurance carriers including, underwriting services, claims administration, product development, actuarial, and policy administration.

*Ranking compiled by Sun Life based on data contained in the 2018 NAIC Accident and Health Experience report. An independent stop-loss carrier is defined as a stop-loss carrier that does not also sell medical claim administrative services.

About FullscopeRMS

FullscopeRMS delivers risk management expertise, performance and brand protection to partners in the insurance industry by helping them bring new products to market and expanding their current business. FullscopeRMS provides its clients – including 25+ insurance carriers and health plans –with the deep knowledge, expert talent and the specialized systems required to offer full disability, absence management, life, stop-loss, and supplemental health to employers.  For more information, please visit

FullscopeRMS is a standalone company in the Sun Life U.S. group of businesses.

Media contact:

Devon Fernald

Street address
110 Thames St.
Portland, ME 04101

Mailing address
P.O. Box 9757
Portland, ME 04104