R. Curtis Hebeler

Worked to help Dual enter the Employer Stop Loss Business.

Developed Polices and Procedures for Underwriting Guidelines and Claim Approval.

• Managed a book of $350 million book of Employer Stop Loss business written through 15 Managing General Underwriters.
• Responsible for referral underwriting approvals, large claim approvals which are outside the MGU's authority.
• Worked with outside counsel on resolving claim disputes.
• Oversaw compliance audits of the MGU's and worked with the MGU's to resolve any deficiencies.
• Perform due diligence when onboarding new MGU's
• Worked with Finance Department on annual budgeting for premium targets and daily operations.
• Worked with brokers and other insurance companies to secure reinsurance on the on the block of business.

Managed various MGU's that wrote Employer Stop Loss business.

Underwrote a block of Employer Stop Loss business directly for the Home office.

Worked with Finance to project loss ratios

Performed on site underwriting audits of underperforming MGU's

and provide feedback on corrective actions.

Worked in the Audit and Finance Department, then transitioned to the Underwriting Department underwriting HMO reinsurance and Employer Stop loss