Underwriting Management Experts (UME) is a full-service Managing General Underwriter of employer stop-loss coverage. UME provides a multitude of flexible, innovative products and solutions, crucial to creating success in an ever-evolving marketplace. Our product offerings include: traditional employer Stop-Loss, Maximum Advantage, Student Medical, MEC offerings, RBP options, and Life products, as well as Captive ownership, cell rental, reinsurance, underwriting and backroom support services for carriers and partners.