Stop Loss Captives

If you currently buy medical reinsurance, stop loss, then you've experienced first hand what leveraged trend increases can do to increase your individual retention level, and decrease the amount of sleep you get at night.

With a Stop Loss Captive created and managed by Benefit Captive Re, select the individual retention that fits your budget and your risk tolerance, provided its above the minimum required by law in the state of domicile. Not only do our programs help to stabilize your cash flow and provide positive taxation advantages, our programs also utilize a risk sharing component that allows each company to collateralize their own risk. By collateralizing your group's risk, you gain the opportunity to participate, which means if the captive generates surplus, and your firm contributed to that surplus, then you share in that win on a pro rata basis.

Unlike, some stop loss captives being marketed today, we cap your group's exposure so your group can't drain the entire captive if you should have a bad claim year, or if another participating company has a high claim utilization year, the effect their bad year has can be minimized.

Employers coming together to form Captive Insurance Companies

Untitled Page