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Our Captives

Health Benefits Captives

Built for agents, by an agent. You keep the relationship. They keep the savings.



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IDEAL CLIENTS

Do You Already Have Clients Like This?

Health benefits captives aren't for everyone. They work best for employers who:

  • Have 25+ employees on their health plan
  • Are self-funded or open to it
  • Are tired of double-digit renewals despite running a healthy organization
  • Want to see where their money actually goes
  • Think long-term - not chasing a quick fix

If a few names just came to mind, let's talk.
YOU DESERVE BETTER

Some Programs Fix the Client's Problem and Cut You Out

Some captive programs treat agents as an afterthought. Others cut them out entirely.

And the ones that don't? They still play games:

  • Counting collateral refunds as "dividends" to inflate their numbers
  • Steering clients toward vendors who paid to be "preferred"
  • Promising rate caps that don't pencil out - while someone else in the pool pays for it

We don't do any of that.

Here's how we actually work.



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THE CAPTIVE COALITION DIFFERENCE

How We Protect the Relationship

The 5 Rules

  1. We only work with independent agents
  2. No surprise BORs
  3. Every employer must have an agent
  4. We don't compete with you
  5. It's always your client - never ours

What that looks like in practice

  • We join your calls, answer the hard questions, and help you close
  • You get the tools to identify the right clients and the training to talk about the program with confidence
  • No inflated numbers. No hidden fees. No games.

You bring the relationship. We bring the backup.



CLIENT PAIN

Your Clients Are Tired of Paying for Everyone Else's Problems

Every year, the same story. Premiums go up. Your clients ask why. And there's no good answer - because the system isn't built to reward good performance.

Employers who run healthy organizations, manage their workforce well, and do everything right still get hit with double-digit increases. They're paying for other companies' problems. They have zero visibility into where the money goes.

Health benefits captives change that.



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CLIENT BENEFITS

Here's What Changes

 

Control.

They choose the network, the vendors, the strategy. No one locks them into overpriced partners.



Transparency.

They see exactly where every dollar goes. No mystery fees. No hidden costs buried in claims.



Reward.

When the group performs well, the underwriting profit goes back to the employers - not the carrier.

Speed.

Health claims settle quickly. That means potential dividends in 12-18 months, not years.

This is what your best clients have been looking for. A way out of a system that punishes them for everyone else's problems.
PROOF

$3.1 Million Returned. 32% Loss Ratio. No Games.

The results:

  • $3.1 million returned to members since 2020
  • Current captive layer running a 32% loss ratio
  • Actual underwriting profit - not collateral dressed up as a dividend

How we keep it that way:

  • $6 per claim. No per-script fees. No hidden PBM spreads.
  • Mandatory biosimilars. Prior auth at $350 to catch specialty drugs and GLP-1s.
  • Every claim over $1,000 reviewed for errors and duplicates.
  • Specialty drugs managed internally - no third-party disconnect.

When high-cost claimants threaten the pool: We help move them to marketplace coverage through a nonprofit structure. The employer covers 100% of their costs - often better coverage than the group plan - and the pool stays protected.

No smoke and mirrors. We don't inflate numbers. We don't promise things that don't pencil out. We tell you what's actually happening - even when it's uncomfortable.
HOW IT WORKS

How A Health Benefits Captive Works

Self-funded employers pool their health plan premiums with other well-run companies. Each employer keeps full control of their plan design. When the group performs well, the savings stay with the members - not the carrier.

Program basics:

  • Minimum group size: 25 enrolled employees
  • Minimum specific deductible: $25,000+
  • Captive retention: $225,000 (scales with group size)

Program partners:

  • Domicile: Bermuda
  • Captive Manager: SRS
  • MGU/Carrier: Skyward / Great Midwest
  • PBM: TrueScripts

Collateral requirements vary based on group size. We'll walk through all of it when you're ready - no surprises.
Ready to Get Started?

Get Appointed. Keep the Relationship.

We'll help you identify which clients fit, walk you through the program, and back you up on every call.
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