"Indexing [individual stop loss (ISL)] to underlying trend is a recommended strategy to avoid the impact of leveraged trend renewal rate increases. However, when surveyed, only 7% indicate a definitive plan to pursue that strategy. Almost half (49%) will review a range and make a determination. The rest prefer to keep at the current levels.... [R]eflecting the impact of health care reform, unlimited lifetime maximums are commonplace, reported by 97% -- a significant increase from just 13% in 2010. For the 50% of respondents reporting an interim annual limit, amounts at $2 million to $5 million are the most prevalent."  MORE >>