Description: 1993 SOA Spring Meeting, San Diego. This session is about stop loss insurance and some of the issues associated with it. Product issues discussed included: 1. Issuance of stop-loss policies with internal limits that don't match up with the underlying plan document. 2. The use of 12/12 renewals under which the stop-loss policy only covers claims incurred and paid in the twelve-month contract period. 3. Offering two-year rate guarantees. 4. Offering of lifetime limits in excess of $1 million.