How We Help Independent Agents Win with Captives

Partnering with Captive Coalition is quick and designed to help you start introducing captives to your clients right away.

1. Online Application Start by visiting the Get Appointed page. If approved, you’ll gain immediate access to all our agent tools, resources, and training materials—plus access to our Captivate membership site.

2. Attend a Group Training Session: Once appointed, you’ll be invited to live group training sessions where we walk through captive strategies, objection handling, and how to position captives effectively with your clients.

3. Presubmit Client Opportunities Immediately: No need to wait—right after joining, you can start presubmitting client opportunities. Our team will guide you through the evaluation process and help determine the best captive fit for your clients.

 No — getting appointed with Captive Coalition is completely free for agents.
You also get access to our Captivate membership site, which includes free tools, guides, and training to help you start introducing captives to your clients.

No, Captive Coalition does not require exclusivity—agents are free to work with other captive managers at any time.

However, what sets us apart is our commitment to independent agents. Unlike many captive managers who work directly with businesses (sometimes bypassing agents), Captive Coalition is built specifically to support you.

By partnering with us, you’ll have:

• Full control over your client relationships—no BOR surprises.
• Agent-first support, ensuring you get the tools and resources to succeed.
• A trusted, transparent process, so you never have to worry about losing a client to a captive manager.

You can explore captives with confidence while keeping your independence.

Captive Coalition provides comprehensive training and business development resources to help agents understand captives, sell effectively, and guide clients through the process with confidence.

Our training includes:

• On-Demand Resources – Access to step-by-step guides, scripts, case studies, and financial modeling tools.
• Live Group Training – Interactive sessions covering captive fundamentals, handling objections, and positioning captives as a client retention tool.
• Webinars & Workshops – Regular deep dives into key topics, featuring expert insights, real-world case studies, and Q&A sessions.
• Business Development Resources – Sales strategies, marketing templates, and client outreach tools designed to help you identify captive opportunities and close more deals.
• Ongoing Support – Continued access to industry updates, coaching sessions, and direct assistance with client opportunities.

Our goal is to equip you with the knowledge, tools, and business strategies to confidently introduce captives to your best clients and grow your book of business.

Captive Coalition provides a full suite of resources to help you confidently communicate the value of captives to your best clients. These include:

• Captive Assessment Tool – Helps you determine which clients are a good fit for captives.
• Pricing Calculator – A financial modeling tool that demonstrates potential savings, profit-sharing, and premium stability.
• Client-Facing Materials – Ready-to-use presentations, case studies, and educational guides designed to simplify captives for your clients.
• Objection Handling Guide – Answers to the most common client concerns, so you can address their hesitation with clarity and confidence.

Beyond resources, we actively support you in client conversations. We’ll join you as a partner to help explain captives, answer client questions, and ensure they fully understand their options.

At Captive Coalition, we operate under The Five Rules, ensuring:

• Your clients always remain your clients.
• We never compete with independent agents.
• We are here to help you grow your book of business, not take it from you.

With Captive Coalition, you have a dedicated partner helping you introduce captives, strengthen client relationships, and retain your best accounts.

Determining whether a captive is the right fit for your client starts with evaluating key factors like premium size, risk management practices, and financial stability.

• Captive Assessment Checklist – This tool helps agents quickly assess if a client meets the foundational criteria for a captive.
• Prequalification Process – Agents can submit client details for review and receive guidance on whether a captive makes sense for them.

For a deeper understanding of what makes a strong captive candidate, check out these resources:

• Prequalification Checklist – Learn what characteristics make a business an ideal fit for a captive.
• Savings Assessment – Use these questions to prequalify your clients and determine if they’re ready to move forward.

If you’re still unsure, you can pre-submit a client, and our team will help you determine the best next steps.

The onboarding process varies depending on the client’s specific needs, but from initial assessment to full implementation, it typically takes 60-90 days.

Key phases include:

• Pre-qualification – Evaluating the client’s eligibility and captive fit.
• 5-5-5 - Gathering the necessary data from your client's previous five years.
• C.L.E.A.R. – Running numbers to determine potential savings and benefits.
• S.T.E.P. – Reviewing safety, training, and risk management processes. (More 
• R.E.A.P – Onboarding the client into their captive structure and ensuring a smooth transition.

Here is a PDF overview of our process together.

Captive insurance offers a strong earning potential for independent agents, with both immediate compensation and long-term recurring revenue.

• You set your own fees – Unlike traditional insurance, there are no commission caps or restrictions. Your earnings are based on the value you provide.
• Recurring revenue model – Since most clients remain in captives for 9-10 years or longer, agents benefit from ongoing income.
• Quarterly commission payments – Instead of waiting for an annual commission, you receive payments every quarter, creating a more frequent and predictable cash flow.
• Additional income opportunities – Even after placing a client in a captive, you can continue earning through:
  • Risk management consulting
  • Loss control strategies
  • Captive administration support

Captive insurance not only helps retain your best clients, but it also creates a stable, long-term income stream for your business.

Captive Coalition is built exclusively for independent agents, providing the tools, resources, and support to help you confidently introduce captives and grow your book of business—without the risk of losing your clients.

Here’s what sets us apart:

• We only work with independent agents – No direct writers, no national brokers. Your clients stay yours.
• No hidden BOR transfers – We provide full transparency, so you never have to worry about a captive manager taking your client.
• Comprehensive education & training – We equip you with on-demand resources, live group training, and webinars to ensure you understand captives and can sell them effectively.
• Business development resources – From sales strategies to client outreach tools, pricing calculators, and marketing materials, we help you position captives as a competitive advantage in your agency.
• Long-term agent support – We stay involved beyond the setup phase, assisting with renewals, underwriting, risk management, and ongoing captive success.
• We don’t compete with agents – If a business approaches us directly, we refer them to our agent partners.

With Captive Coalition, you get more than just a captive solution—you get a partner committed to helping you retain your best clients and grow your agency for the long term.

NEXT STEPS:
1. If you still have questions and want to talk to someone on our team, you can schedule a call here.

2. If you think you'd be right for our program, quickly get appointed here.