Form 5500 confirms self-funded status. Broker-office data maps the relationships. Change signals catch the 90-day pre-bind window. Built for stop-loss writers, MGUs, and the producers who place them.
Built for stop-loss GTM
Stop-loss carriers · MGUs · Producers · TPAs with a stop-loss channel
The problem
By the time the broker shops the case, the incumbent has already re-quoted and two competitors are in the file. The accounts you can actually win are the ones you reach before the RFP exists.
The signals that predict a stop-loss bind — TPA changes, broker turnover, plan-design RFPs, large-claim history — show up 90+ days before the quote request. Most lists don't see them.
Funding status doesn't sit in firmographic databases. Hillwinds reads Form 5500 directly to confirm self-funded status, plan size, and incumbent carriers — at every employer in the country.
Specific deductible, aggregate corridor, lasering history, contract basis, large-claim count — none of it surfaces in horizontal sales tools. Hillwinds was built around exactly these fields.
The relationship that matters
Self-funded employer → broker office → incumbent stop-loss carrier → benefits decision-makers. Hillwinds maps the whole chain — so when one node moves, you see it before quote.
Pre-bind change signals
TPA changes, broker turnover, plan-design RFPs, and large-claim trends compound into a 84% probability the case is going to market — months before the request hits your desk.
“The accounts we win are the ones we knew about six months before they shopped.”— Stop-loss producer, recent demo
Smart Filters · stop-loss
Filter by funding status, eligible lives, stop-loss renewal window, incumbent carrier, industry, and large-claim history. Save the filter set, re-run it weekly as new Form 5500s and signals come in, and push the list to your CRM.
Inside the account
Stop-loss terms, large-claim history, incumbent carrier and TPA, broker office, decision team, and the pre-bind signals that put the case in play. Pulled and re-verified weekly.
Activate
The Outbound Engine writes n-of-1 stop-loss outreach using the prospect's actual deductible, claim history, and bind window. Reach the same data through the platform, MCP in Claude or ChatGPT, or the API.
Hi Dana,
Saw that Northwind moved to a $125K specific deductible with Sun Life last cycle, and you've had 3 claims over SD in the last 24 months — one lasered. Given the trend, your effective rate at renewal is going to look very different from the quote on paper.
We've placed two OH manufacturers in your size band this year where unbundling specific from aggregate cut all-in stop-loss spend 8–12% pre-laser. Worth a 20-minute call before Mar 4?
— Sam
› self-funded MFG, OH/MI, 100–500 EE, renewing Jul–Sep
POST /v1/companies/search { industry: "MFG", state: ["OH","MI"], ee: [100,500], funding: "self", renewal_month: ["07","08","09"] }
Ready to talk?
See Hillwinds run on your own book — self-funded employers, sized to your appetite, ranked by bind probability. 25 minutes, no slides.