Expect the Best

About UME

We are an MGU of employer stop-loss coverage — we provide flexible, innovative stop-loss, captives, and life products that meet the unique needs of our partners.

Simply put, UME offers professional expertise, personalized service, and creative solutions to an ever-changing marketplace.

Meet the Team

Anne Marie Chapman

Managing Principal

Hello! My name is Anne Marie Chapman. I am the Managing Principal of Underwriting Management Experts. I have been working in the insurance industry since 1990, developing products and services that will best meet the needs of a rapidly changing marketplace. Through my years of experience, I have gained extensive knowledge of stop-loss, captives, and all things related to self-funded plans. I have met many wonderful partners that I can now call my friends. I am thrilled to lead such a talented team and look forward to UME’s continued growth and success. Please do not hesitate to call or email me directly with any questions or concerns you may have.


Chief Executive Officer

Samantha Gallagher, otherwise known as Sam, is the CEO. Sam has been in the insurance industry since 2004, and her motto has always been “work hard and play hard.” In her role, she enjoys getting to know partners to provide a personalized experience. Sam focuses on three fundamental pillars for her strategic vision for UME: professional expertise, personalized service, and creative solutions to an ever-changing marketplace. She is most excited for UME’s future as we heighten our possibilities by enhancing our product suite. If there is anything she can do to make your experience a better one, please reach out and let her know!



Jack McCarthy is the President of UME. His focus is on the execution of strategic growth, product development, cost containment, and finance. Previously, Jack has worked on both the carrier and broker side in accident and health benefits. He received a Bachelor of Science degree in Business Administration from Drexel University, with concentrations in Finance and Health Services Administration. Please reach out to Jack at any time if he can be of service.


Chief Operating Officer

Robert Glorioso, also known as Bobby, is the Chief Operating Officer here at UME. Robert joined UME in 2014 with a promotion to his current role in 2018. As COO, Robert keeps UME functioning like the well-oiled machine it is. He is always available for his peers and thoroughly enjoys speaking with existing and new clients alike. Should you need anything, he is happy to assist you at any time.


Chief Underwriter

Kim Schmidt is the Chief Underwriting Officer of UME. She has been in the self-funded industry since 2011. With the ever-evolving changes that occur within the market, she enjoys conjuring up creative resolutions to get her clients what they need. She is always more than happy to assist, so please feel free to reach out with any questions you may have.


Chief Financial Officer

Costas Reamensnyder is the Chief Financial Officer at UME. Before UME, he performed financial auditing for self-insured health plans and then ran a TPA for over 5 years. Formally, Costas has degrees in Business Administration, Finance, Technology, and a minor in Industrial Psychology. As UME’s CFO, he ensures the finance department continues to run smoothly. UME’s financial division manages premiums received, claim payments to policyholders, commission payments, and other related tasks. In his free time, Costas also enjoys real estate development and architectural design. If you ever have any relative questions, please feel free to contact Costas directly.


Chief Revenue Officer

Jeff Diekema is the Chief Revenue Officer here at UME. Jeff has been in the benefits administration and financing industry for over 30 years, in roles ranging from benefits consulting, sales and sales/marketing management, cost containment strategies, and underwriting, to Third Party Administration operations and product development.


Where We Are

Home office in Pennsylvania and Florida

Satellite offices in:
  • Delaware
  • Kansas
  • Tennessee
  • Georgia
  • Florida
  • New York
  • Indiana
  • Texas
  • Ohio



Download our Overview Brochure for more information on what you can expect from UME or contact us today for a quote.