Risk Assessment Strategies (RAS) is a Managing General Underwriting firm (MGU) located in South Windsor, CT., just a few miles outside of Hartford, CT. RAS specializes in Employer Medical Stop Loss. Our target market is 150+ lives however we can quote a minimum of 51 lives.

RAS is majority owned by American Independence Corporation (NASDAQ: AMIC), an insurance holding company specializing in Employer Medical stop-loss and Managed Care. AMIC is affiliated with Independence Holding Company (NYSE: IHC). IHC is a holding company with more than $1 billion in assets that is principally engaged in the health and life insurance business.

Why Choose RAS?

We offer professional, prompt, personal service and flexible solutions to your Stop Loss needs. Our expertise in Stop Loss Underwriting, Claim Administration and Premium Accounting allows us to provide you and your clients with the best overall service. Our Claims Administration is among the best in the business.

Who are our producers?

Producers we do business with include TPA's, Independent Agents and Brokers.

Our goal is to create a long lasting successful partnership with you and your clients. We believe our continued vigilance in monitoring and refining our craft is the key ingredient to mutual success. We understand that providing producers with one-on-one attention affords our underwriters an opportunity to gain a much greater understanding of your clients business needs. The end result is a favorable working partnership where all parties
involved stand to gain. Our producers have come to rely on our superior customer service and can rest assured knowing that customer service and satisfaction is our #1 priority.

Who does Risk Assessment Strategies (RAS) represent?

Standard Security Life Insurance Company of New York
(A.M. Best "A-" Excellent Rating*) - New York based carrier. RAS quotes all states with the exception of LA, AL and KY.  *On a scale of A++ to F for operating strength and operating performance.  Ratings current as of 2/15/08.

Monumental Life Insurance Company
(A.M. Best "A+" Superior Rating*) - an Aegon Company located in Cedar Rapids, Iowa. RAS quotes all states with the exception of AL, HI, MS, LA, MT and NY.  *On a scale of A++ to F for operating strength and operating performance.  Ratings current as of 2/15/08.

Independence American Insurance Company
(A.M. Best "A-" Excellent rating)* - domiciled in Delaware, headquartered in New York, and licensed to conduct business in 45 states and the District of Columbia.  *On a scale of A++ to F for operating strength and operating performance.  Ratings current as of 2/15/08.

We have underwriting and claim authority and perform all services related to the marketing of these companies. The industry's leading reinsurers back our carriers.