At Disability RMS we offer flexible solutions to meet your unique needs. Our disability reinsurance products and services are available on a turnkey basis. Customized offerings can be implemented as part of an administrative services or consulting agreement.

Reinsurance and Insurance Services

We offer a wide variety of reinsurance options.  We will work with you to determine which options will help you best meet your goals. Below we have outlined a few of our standard services. Whether it’s any or all of these services or a customized solution, we will partner with you to deliver solutions that meet your needs.

We also offer Risk Services that include claims management, underwriting, actuarial and policy administration.

Claim Services

Our Claim Services are unsurpassed in the ancillary group insurance industry. Ranging from full service claims management to select claim functions, we help insurance carriers with the complex components of claims management.


Group Ancillary Insurance experts are available to help you develop and execute on a wide range of strategies and tactics.  From Actuarial support and Claims management, to renewal and new business pricing strategies, we can help you build a winning formula in today’s complex marketplace.

Life Waiver of Premium Services

Disability RMS has the experienced resources to adjudicate your LWOP claims. This service is available with or without reinsurance of your Life Insurance business.


Disability RMS resources are available to educate your employees on Underwriting and Claim techniques that have proven successful in the competitive Ancillary Insurance marketplace.

Product Development & Compliance Services

Our experiences compliance team will work with you to develop products that are tailored to your needs. With expertise on the recent Compact requirements for Life and Disability they will guide you through the process. In addition, our strong relationship with state insurance departments will aid you in state specific direct filings.

Claim Buyouts

Providing capital relief and allowing your specialized resources to focus on growing your business, Disability RMS will assume your disabled life and LWOP reserves.

Risk Services

Our unparalleled underwriting, claims management, actuarial, and compliance services may be right for you.