Underwriting done in-house.

Vault runs its own managing general underwriter. Pricing decisions are made by people who can see how the plan is administered and how its claims are managed.

Request a quote How Vault works

What is an MGU?

The underwriter that prices the risk.

A managing general underwriter (MGU) evaluates and prices risk, including stop-loss coverage that protects self-funded plans from large claims. Most plans buy this from an outside company that has little view of how the plan is run. Vault's MGU sits alongside our administration and care teams.

What that means for you

Pricing based on how the plan actually runs.

A more coordinated approach to risk makes costs more predictable year to year.

Quotes and stop-loss coverage from one team
Underwriters who work alongside our administration and care teams
Coverage that fits each client's needs