Does a Group Health Captive Save You Up to 15%?

From Joel Geddes, Jr.

At ERMIS, we operate a Captive consulting practice with extensive experience regarding this question.

Actually, there are several other benefits in addition to at least a typical 15% long term cost savings . You can also become partially self insured, regulated by ERISA — not Obamacare! — design your own benefits and coverages and engender a healthier workforce with corresponding lower long-term health costs, worker’s compensation costs and increased productivity.

However, without some specific background on your company such as number of employees, historical claims experience etc., it’s difficult to simply give you a yes/no answer if a Captive approach would be a fit for you...

Alternative Market Risk Management:

The Feasibility Study

By Joel Geddes, Jr.

Times have changed and AMRM facilities are now right sized to attract the largest number of prospective Middle Market entrants over the long history of Captive development.  Specifically, for Middle Market Businesses the barriers of capital, access, and premium thresholds to enter the ARM world of possibilities have been coming down.

So how does this affect the ARM Community, you ask?  There’s a lot more activity in the field of play and many more inexperienced candidates. Retail insurance agents/brokers as well as ARM Captive Consultants are generating an increasing number of prospect inquiries from individual business owners, accountants and especially estate and tax planning attorneys...