Our Distinguished Family of Companies

ELMC Risk Solutions has assembled synergistic, high-performance Managing General Underwriting companies and industry consultants to deliver innovation and value through stop loss and reinsurance services. Our member companies are characterized by:

  • Sophisticated solutions
  • Outstanding analytics
  • Strong industry relationships
  • Superior level of claims management


IOA RE is among the nation’s leading MGU and stop loss services company, with over forty years of experience and successful client relationships.


RxReins is the leading MGU specializing in prescriptions drug stop loss services.

ELMCRx Solutions

ELMCRx Solutions is a nationally recognized industry thought leader in pharmacy benefits consulting.

AST Risk

AST Risk is the industry’s leading MGU for TPA - based, small group Level - Funded programs.


Sequoia delivers risk solutions to the US health reinsurance market, with a focus on HMO reinsurance, provider excess, medical excess, captive reinsurance, and specialized employer stop-loss.