Solving for Today’s Challenges
Our collection of credit-based risk management solutions offers immediate relief from common challenges like unpredictable cash flows and budget uncertainties. But it doesn’t end there. Aegle provides a platform for cutting-edge, cost- and capital-efficient health risk management tools. With Aegle, you’re not just solving today’s problems — you’re preparing for tomorrow.
Accelerated Stop-Loss Reimbursement
Reimbursement for stop-loss claims in as fast as 72 hours with minimal documentation.
Flexible Risk Financing
Access a versatile, unsecured credit line tailored for health claims. Features include a term of up to four years, no prepayment penalties, few operational constraints such as pre-set utilization limits or cash sweeps, and per-head pricing.
Captive Capital Solutions
coming first half of 2024
For both new and existing single-parent and group captives, Aegle RBC Support offers regulatorily compliant capital relief. RBC Support combines advance funding, level funding, and premium financing to replace quota share and provide customers with long-term, lower-cost captive capitalization solutions. RBC Support is in development and slated for release by Q2 2024.
Why Aegle Saves: A Lower Cost of Capital
Understanding the true costs of re/insurance is often a challenge. The various fees and expenses can be obscured, making it difficult for businesses to assess the actual financial implications.
When you analyze all of the details, you might be surprised by both the costs of traditional re/insurance as well as the savings available by leveraging Aegle.
Traditional Stop Loss
The implied cost of capital of re/insurance can be calculated as follows:
On average and over time, credit serves as an actuarially equivalent and cost-effective method for preserving cash compared to traditional reinsurance. A risk-bearing entity can achieve savings by replacing a dollar of reinsurance with a dollar of credit.
West coast law firm with 1,200 employees
This self-insured group had a spec deductible of $300,000 and no aggregate. The group’s cumulative stop-loss ratio was 64% over the 5 full year period from 2018 through 2022. Had they adopted Aegle Specific Financing they would have saved and remained equivalently protected.
Aegle Saves $27 PEPM – $441,000
Over 5 Years vs. Traditional Stop Loss