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Partner with an MGU You Can Trust

Take Your Stop-Loss & Risk Strategy Further This 1/1

Find Your Solution
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Approach 1/1 Renewals with More Direction

As 1/1 renewals get closer, preparation becomes the difference between steady execution and unnecessary friction.

RMTS works alongside you to ensure your cases are positioned correctly from the start. That includes aligning data, anticipating underwriting concerns, and helping you guide the process instead of reacting to it.

With the right structure in place early, you're able to:

  • Maintain control of the renewal timeline
  • Present a clearer, more compelling case to carrier
  • Navigate challenges without losing momentum
Meet Your Team

Our Services

Bringing together industry expertise and a strategic approach to meet your goals.

There is no one size-fits-all approach in today's stop-loss environment. It takes thoughtful structuring, strong underwriting alignment, and a clear understanding of each client's risk profile.


RMTS acts as that strategic partner, helping you build solutions that are both competitive today and sustainable over time.

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Medical Stop-Loss

We offer a full range of medical stop-loss insurance designed to perform in a more disciplined underwriting environment. With access to A+ rated carriers and deep internal underwriting expertise, we help ensure your program is structured with both immediate needs and long-term stability in mind.

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Captive Reinsurance

We provide reinsurance solutions for single-employer captives that support smarter risk management and greater financial control. Through tailored program design, we help create long-term strategies that align with your clients' goals while improving consistency and cost predictability.

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The RMTS Difference

At RMTS, we’ve been working to build trusted relationships through dependable service for four decades. We understand what renewals mean to you—and we’re ready to make sure you end up on top.

Providing medical stop-loss solutions and risk management isn’t simply a transaction to us. We establish partnerships you can depend on, all backed by industry experts with a deep commitment to our profession. That means that even when the case is tough, we’re still prepared to tackle it—and win.

As your dedicated partner, our first priority is you and your success. Ensuring that you make the wins you need to grow your business is a natural step for us in the relationship we build with you. With our deep expertise and track record in the industry, we’re well equipped to help you makes those wins, too.

Understanding the nuances of building strategic plans for self-funded and captive employers has been our sole mission from the beginning. All of our services are rendered in-house by an expert team of underwriters, claims examiners and account professionals— all dedicated to bringing creative solutions to the table that fit you and your business.

Equipped to fully support you and your clients, we serve as a best-in-class extension of your own office, working hard to build a stable relationship that ensures an ease of certainty. With RMTS, you’ve got a partner you can rely on, ready to help pave the way forward. Backed by our expert underwriting services, let us help you grow your business with time-efficient, tailored solutions.

With our team of industry experts, collaborating with third-party administrators (TPAs) is the cornerstone of our business. We work hard to build stable, flexible relationships with TPAs like you, so you can depend on expert risk management services and medical stop-loss solutions for your clients.

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Our Expert Team

Meet our team of champions, here to support you through renewals and beyond!

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Tommy Maher

Senior Vice President of Sales

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carmine

Carmine Franca

Senior Vice President of Underwriting

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Hear From Our Clients

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“RMTS’s support has allowed us to deliver on the needs of our clients. Not just in year one of the relationship, but also during the subsequent renewals. Our retention with RMTS is nearly 100%. This is not only the result of RMTS taking a steady approach to renewal underwriting, but is also reflective of the service they provide in all aspects of the client relationship.”

- Managing Director,
Global Brokerage Firm

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“Working with RMTS has brought tremendous value to our stop-loss strategy. Their access to underwriter expertise has helped us design smarter, more strategic contracts that align perfectly with our clients’ needs. What sets them apart is their collaborative approach — it truly feels like a partnership rather than a transaction.”

- Vice President,
Global Brokerage Firm

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“RMTS understood what we sought to accomplish with our groups and in turn led to us being able to provide the best policy, with a win win win scenario for [all]. RMTS was willing to work with us on a new vendor solution that other markets didn’t understand. This was huge and we commend them on being the first to take the leap with us.” I can’t say enough great things about Tommy and the team.”

- President, BenefitsDNA

Let’s Connect!

At RMTS, we've spent decades building relationships grounded in consistency, expertise, and follow-through. We understand what's at stake during renewals, and how much preparation and positioning can impact the outcome. For 1/1, that matters more than ever.

Get in touch and discover how RMTS can support your 1/1 strategy. Fill out the form below or email @tmaher@rmts.net to learn more.