At Cairnstone we offer the following standard products, features and benefits.

Employer Stop Loss
Aggregate & Specific Stop Loss
Group Conversion, Group Life, LTD
OmniRisk - Aggregate only coverage
Specific Advance Provision
Aggregrate Accomodation
Terminal Liability Option

Provider Excess Loss
Specific Stop Loss

HMO Reinsurance
Specific Stop Loss
Extension of coverage in the event of plan insolvency
Group "out-of-area" conversion

Employee Benefits
Group Term Life
AD&D
Short Term Disability
Long Term Disability
Vision
SmartFlex stored-value cards / FSA, HSA and HRA