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Samuel Edwards | XL Benefits

Your trusted stop-loss sidekick. XL Benefits helps insurance brokers navigate self-funding challenges with expert guidance, market access, and innovative tools, so your clients win.

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About XL Benefits

XL Benefits is a stop-loss insurance specialist dedicated entirely to one thing: making insurance brokers more successful. Founded in 2014 by Daron Pitts, the company has grown into an industry leader in stop-loss negotiation and alternative risk management, with 25+ carrier relationships, deep self-funding expertise, and a broker-first philosophy with zero carrier conflicts. Their team of specialists brings decades of combined experience to every engagement, helping brokers serve self-funded employer groups with better pricing, smarter strategy, and faster execution. Samuel Edwards, Stop Loss Sales Consultant with 20+ years of insurance experience and a decade running his own agency, represents XL Benefits in the Reese Connect community.

“Your sidekick for stop-loss success.”

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How We Collaborate

Core Stop-Loss Services

  • Stop-Loss Marketing & Negotiation — Access to 25+ “A”-rated carriers for competitive quotes and renewals
  • Self-Funding Feasibility Analysis — Determine if self-funding is the right fit for a client
  • Claims Projections & Actuarial Analysis — FIE rates, COBRA calculations, and cost projections
  • Deductible Analysis & Optimization — Find the right specific deductible structure
  • Captive Solutions — Alternative risk management for the right groups
  • PBM Analysis & Cost Containment — Pharmacy benefit strategies for large employers
  • RFP Submission & Renewals — Full marketing support from quote to bound coverage

 

Broker Tools (Free)

  • TrueCost Calculator — Real cost analysis for self-funded clients
  • Deductible Analyzer — Side-by-side deductible optimization
  • Self-Funding Quiz — Feasibility assessment tool
  • Broker Toolkit — Full suite of interactive resources

 

Resources

  • White Papers, Blog, Glossary, Employee Toolkit