Disadvantages Of A Captive Insurance Plan

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The Captive Insurance Pros and Cons You Need to Know Shoppin…

5 hours ago Shoppingkim.com Show details

372.939.939Captive Insurance: The Pros and Cons to Changing Your

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Captive Insurance: The Pros and Cons to Changing Your

9 hours ago Theolsongroup.com Show details

Cons of a Captive Health Plan. As with any decision, there are several downsides, or potential downsides, to choosing a captive health insurance program. 1. Your Capital is at Risk. The number one disadvantage of a captive insurance plan is the fact your company must put its own capital at risk.

Estimated Reading Time: 8 mins

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19 Captive Insurance Pros and Cons – Vittana.org

4 hours ago Vittana.org Show details

1. It provides an opportunity to achieve an underwriting profit. A captive insurance structure is considered a “single parent” structure. Think of underwriting profit not as an actual profit, but as less of a loss that would be experienced by obtaining a similar product from someone else.
2. There is access to the reinsurance market. Although access to reinsurance has been increasing since the 1990s, reducing the benefits of captive insurance in some ways, there is still an advantage here.
3. It can be a vehicle for investment income. Because captive insurance is wholly owned, the policy holders control how loss funds are dispositioned until they are paid out.
4. There are high levels of flexibility. Although this benefit is usually reserved for non-fronted captive insurance, it does apply to the industry as a whole.
5. It creates more predictability. Insurance usually revolves around the concept of control. It is one of the most important benefits of holding a policy.
6. There are still tax advantages that can be found. Although the IRS has been changing how captives are taxed over the years, it is still an insurance company.
7. It offers a dividend guarantee. Captive insurance provides claims management and enhanced loss prevention activities. No form of risk financing would be able to succeed if these activities were absent.
8. It can be used as a defensive strategy. Not every captive insurance policy is formed to take advantage of the financial gains and dividends that are possible.
9. Secured loans become a possibility. In the United States, under section 831(b), one of the financial benefits of captive insurance is the possibility of a secured loan.
10. It creates an additional chance for investment. There is an underwriting profit that comes from the issuance of a policy. Premiums on that policy are paid in advance, then claims are paid out over the long run.

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The Captive Insurance Pros and Cons You Need to Know

7 hours ago Shoppingkim.com Show details

Advantages. Captive insurance provides businesses with a variety of advantages, including reduced costs, improved cash flow, and investment income to fund losses. Here are some of the main pros: Flexibility. Captive insurance provides the benefits of insurance and flexibility into a single package.

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Weighing the Pros and Cons of Captives Caitlin Morgan

9 hours ago Cmcaptives.com Show details

Finally, stability is an important part of captive insurance solutions. Traditional insurers may raise premiums, eliminate coverages, or lower limits based on market performance. Captives, on the other hand, provide a steady and sure solution, especially when loss histories and trends are analyzed. Potential Drawbacks of Captive Insurance Solutions

Estimated Reading Time: 6 mins

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The Most Significant Advantages and Disadvantages of

7 hours ago Medium.com Show details

A captive insurance plan may not be for everyone. But, if you examine the pros and cons and determine the advantages outweigh the disadvantages, you should act right away.

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Captive Insurance: Why or Why Not?

5 hours ago Captive.com Show details

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1. As the captive matures, its surplus grows, giving it greater capacity to retain risk. Increased surplus also creates new opportunities for accessing reinsurers and entering pooling arrangements, which further increase available capacity.

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Can a Captive Insurance Company Insure Employee Benefits?

9 hours ago Captive.com Show details

12.29.235

1. The disadvantages of funding employee benefits risks through a captive insurer are similar to those of using captive insurance for property or casualty exposures. For example, plans seeking United States Department of Labor (DOL) approval will be required to use a fronting insurer. Establishing an agreement with a sound fronting company for the services required by a captive can be difficult and expensive. Captive programs established for plans not subject to DOL approval, such as for medical stop-loss coverage, are not required to use a front. Captive insurance companies require involving a number of outside entities, leaving the employer more dependent on third-party service providers. An employer may have to engage a captive manager, an investment firm, a claims administrator, an accountant, an actuary, an attorney, and a reinsurer. If an employer already operates a captive insurance company for other risks, some of these providers will already be in place. As with any other type...

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The Beginner’s Guide to Captive Insurance Launchways

1 hours ago Launchways.com Show details

Captive insurance programs have been popular among business’ largest corporations since they were first created in the 1950s. As we enter 2020, however, captives are enjoying a resurgence as a growing solution for businesses of all sizes trying to think outside the box. Captives allow businesses to maintain direct control of their insurance programs, …

Estimated Reading Time: 10 mins

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Captive insurance and risk management: PwC

9 hours ago Pwc.com Show details

Why captive insurance? A “captive” is a licensed insurance company utilized to insure a wide range of risks depending on business needs. Many businesses begin with coverages such as the deductible or self-insured portions of general liability, auto, casualty, property and workers compensation losses, but often expand coverages to include unique risks such as …

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5 Crucial Considerations When Forming a Captive : Risk

7 hours ago Riskandinsurance.com Show details

1. Identifying your needs and risks you want to cover. The first step businesses need to make is to decide if they need a captive at all. “The very first step is to determine whether a captive actually makes sense for your insurance needs,” said Michael Serricchio, managing director for Marsh Captive Solutions.
2. Establishing your risk profile/appetite. It’s also critical for companies to establish how much risk they are willing to and can afford to take on. “In the context of a wholly-owned pure captive, it is very likely that the captive entity will be consolidated into the financial results of its owner, therefore it is critical to ensure that the captive’s risk profile and appetite align with that of its ownership/insureds,” said Jason Palmer, director for Willis Tower Watson’s Global Captive Practice.
3. Assessing your costs/capital requirements/financials. Businesses must also look at the costs involved in forming a captive and determine how much capital they need to hold to protect themselves against the risk.
4. Determining the right structure of captive. There are an array of different types of captive structure to choose from, including pure or single-parent, group, association and protected cell captives, and risk retention groups.
5. Choosing the right domicile. Another key consideration for businesses is finding the best domicile for their captive. There are a host of domiciles ranging from U.S. states like Vermont and North Carolina to offshore financial centers such as Bermuda or the Cayman Islands.

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The Disadvantages of Captive Insurance Bizfluent

1 hours ago Bizfluent.com Show details

Captive insurance refers to an arrangement in which an entity chooses to provide insurance for its members by using its own assets, rather than purchasing it on the open market. Captive insurance often is used in at attempt to reduce costs or gain more control over benefits administration. Despite these advantages, a

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Pitfalls and Possibilities Wilanning Magazine Articlel

8 hours ago Naepcjournal.org Show details

303-829-7306Profitab,e family businesses use captive Insurance c?moanies t anaqe busine£ sk and shif+ wealth accumulated in a profitable captive from senior thereby avoiding of those funds jn the senior generator . in . We buy Oil & Gas Interests No size too small or too large. Advent Oil & Gas co. 303-829-7306

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Captive insurance: Avoiding the risks Journal of Accountancy

4 hours ago Journalofaccountancy.com Show details

12.29.235

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FIN 360 Ch. 3 Flashcards Quizlet

5 hours ago Quizlet.com Show details

The risk manager of Morris Company is concerned about the possible impact of a single catastrophic claim. She decided to set a retention limit of $500,000 per-claim, and to purchase insurance that will be begin to pay once Morris Company has paid $500,000 on a single claim. The insurance the risk manager purchased is called A) captive insurance.

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Top 10 Benefits and Risks of Forming a Captive

4 hours ago Propertycasualty360.com Show details

1. Underwriting Profit—For single-parent structures such as captives, underwriting profit is not really profit; it is the tangible economic value of paying less in losses than that which was originally funded.
2. Access to Reinsurance—Twenty years ago a risk manager could not just pick up the phone and call a reinsurer or reinsurance broker—only primary insurance underwriters had direct access to reinsurers.
3. Investment Income—Usually an organization can earn investment returns on only funds it controls. In a wholly-owned captive, for instance, the owner controls the disposition of the loss funds (within certain parameters) until they are paid out in losses.
4. Flexibility as to Form and Rates—This benefit generally applies only to non-fronted captives. Fronting insurers dictate rates and forms. Regardless of the underlying financing arrangements, fronting insurers remain ultimately responsible for two things: underwriting and claims handling.
5. Control—Control is a concept that is rarely associated with insurance, but it is one of the most powerful and important benefits of forming or being a part of a captive.
6. Insurance Accounting and Premium Tax Deductibility—Insurance companies and most captives enjoy a particular tax advantage as compared with a non-insurance company.
7. Enhanced Loss Prevention and Claims Management—In the absence of these critical activities, no captive or any other formal risk financing program will succeed.
8. Premium and Loss Allocation—Captives, especially the single parent variety, can be wonderful tools to consolidate and manage the administrative side of financing event risk.
9. Defensive Strategies—Not all captives are formed to take advantage of the usual and customary benefits. Sometimes there are special circumstances that a captive can effectively address.
10. Rate/Loss Disparity—Is the organization paying insurance premiums based on its industry’s collective loss experience when the organization’s loss experience is far better than that of the industry?

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Captive Insurance Companies: Opportunities and Pitfalls

Just Now Thetaxadviser.com Show details

12.29.235

1. A captive insurance company can allow a business to obtain insurance on risks it could not otherwise insure. It can also provide a lower-cost alternative to commercially available insurance. If a firm has favorable claims experience, the savings will benefit the captive insurance company (rather than a third-party insurer). The tax benefit of the structure is that the business can deduct insurance premiums paid to the insurance company as if they had been paid to any other third-party insurer. (Note:This discussion applies only to nonlife insurance companies. Different rules apply to life insurance companies.) The insurance company also receives favorable tax treatment. The most important benefits are provided by Sec. 832(b)(5), which permits them to deduct predicted but unpaid losses (reserves), and Sec. 831(b), which taxes them only on their investment income if premiums received during a tax year do not exceed $1.2 million. (See also Sec. 501(c)(15), which provides a full tax exe...

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Traditional Insurance vs. Captives Vested Risk

Just Now Vestedrisk.com Show details

Disadvantages: Capitalization: The captive needs to be capitalized in order to operate as an insurance company. The amount of capital is needed over a period of years and can be a substantial amount. Risk Sharing:Unless you are in a single-parent captive, you are sharing a portion of the loss experience with other group members.

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Captive Agent (Insurance) Explained The Business

6 hours ago Thebusinessprofessor.com Show details

Disadvantages of operating as a captive agent. Captive agents have only one product to sell. They cannot offer different options to their clients. Even when they know the product is not best suited for their client, they need to …

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Is a Captive Insurance Company Right for Your Construction

8 hours ago Claconnect.com Show details

A captive insurance company (captive) is a special purpose insurance company established to provide risk management for a parent company. What are the benefits and disadvantages of a captive? The insured can implement best practices for claims processing. Increased coverage and capacity — The captive policy can provide coverage for

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Advantages of a Captive Insurance Company

3 hours ago Captive-insurance-alternatives.com Show details

Advantages of a Captive. Properly used, captive insurance companies can bring many advantages which vary considerably depending on the circumstances. Those that apply in most cases are: Cash Flow - Cash flow is enhanced as an organization can time premium payments to fit in with its own cash flow situation.

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The benefits of captive insurance companies

6 hours ago Journalofaccountancy.com Show details

12.29.235

Category: Health InsuranceShow more

What Is a Captive Agent? All About Captive Agents

1 hours ago Insurancepanda.com Show details

There are advantages and disadvantages to working with a captive agent to purchase your car insurance. Ultimately, the best decision for you comes down to the type of car insurance you need and the companies you are interested in, as well as the level of customer service that you prefer.

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Captive Agent vs Independent Insurance Agent

2 hours ago Staterequirement.com Show details

Captive and independent insurance agents can enjoy lucrative careers and can be recognized as respected members of their communities and enjoy the benefits of being licensed agents. However, the differences really begin to show up when a closer look is taken at who each agent works for and how they conduct business.

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The Basics of Captives Risk & Insurance

4 hours ago Riskandinsurance.com Show details

The number of captive insurance companies continues to rise. In 2014, there are roughly 6,300 captives globally, up from 5,525 in 2009. About 90% of the Fortune 500 companies1 own one or more captive insurance companies and many captives house more than one company with the development of cell captives. Cell companies are a captive program

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Benefits of Captive Insurance Capstone Associated Services

2 hours ago Capstoneassociated.com Show details

The benefits of captive insurance. are powerful, providing both comprehensive risk coverage and financial efficiency for businesses.. A “captive” is an insurance company that’s been specifically formed to insure the risks of an affiliated business. Put simply, a business owner can form his or her own insurance company to insure their business risks.

Estimated Reading Time: 5 mins

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Ready for an Employee Benefits Captive?

Just Now Corpsyn.com Show details

In a standard insurance program, that money would not be returned and the insurance company would retain this premium as profit. The captive group pays a third party administrator to run it; this is a fixed expense. The captive members pay “policy premiums,” which cover all liability over the ISL limit.

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The Difference Between Self Insurance & Captive Insurance

2 hours ago Bizfluent.com Show details

The term captive insurance refers to insurance coverage provided by a carrier that is owned by one or several clients. Captive insurance operates according to principles similar to self insurance, but captive insurance is a bit more complicated and costly to maintain. A financial-services company, for example, can set up its own errors and

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The Pros and Cons of Using an Insurance Broker McCarty

Just Now Mccartyinsurance.com Show details

While the latter represents a single company, an insurance broker represents a variety of insurance companies. To help you make the right choice, take a look at the advantages and disadvantages of working with an insurance broker. Advantages: Insurance brokers work exclusively for you (rather than the insurance company like a captive agent).

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What means captivity? – Mvorganizing.org

Just Now Mvorganizing.org Show details

As a type of “self-insurance,” captive insurance is a formal plan whereby a business owner forms his or her own bona fide insurance company to fund losses. Ultimately, business owners of self-insured companies can unlock powerful risk coverage and improved financial efficiency. What are the disadvantages of self insurance?

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What Is Group Medical Captive Insurance and How Does It Work?

9 hours ago Roundstoneinsurance.com Show details

A captive insurance plan aims to reduce overall costs by shifting from fixed to variable costs. With fully insured small business health insurance plans, companies pay fixed costs for premiums each year. This means that they pay the full cost, regardless of whether their employees are submitting claims equal to or less than the premium.

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Risk Financing Chapter 4 Self Insurance Plans

6 hours ago Quizlet.com Show details

Steps in selecting a self insurance plan. STEP 1 - meeting the requirements of a self insurance plan: -self insuring a type of loss that is predicible. - having the financial resources and risk tolerance to retain potentially significant losses. - having a willingness to commit capital and resources to administer a self-insured plan.

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Medical Malpractice Captive Insurance Company

7 hours ago Cga.ct.gov Show details

Disadvantages of a Captive. Captives also present certain disadvantages. For example, a captive must cover all claims if it is not backed by reinsurance. As a self-funded mechanism, if a captive does not properly plan and reserve for losses, the parent organization ' s financial position can be significantly impaired. Captives are not protected

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The Disadvantages of Insurance Sapling

5 hours ago Sapling.com Show details

The main disadvantage of insurance is that the benefits you receive over time may be far less than the amount you pay in premiums. There are several other disadvantages, such as paying a higher premium based on where you live and being forced to choose a high deductible policy to save money.

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A Complete Guide On When And Why You Should Switch

8 hours ago Lopriore.com Show details

There are benefits to captive insurance agents, but there are also some serious downfalls. Pros. Captive insurance agents work with the large companies that some independent insurance agencies don’t have access to. If you have your heart set on one of those companies, they may be your best bet. They also know the insurance company inside and

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Captive Health Insurance Menard Wurtz Agency

9 hours ago Gomwa.com Show details

Cons of a Captive Health Plan. As with any decision, there are several downsides, or potential downsides, to choosing a captive health insurance program. 1. Your Capital is at Risk. The number one disadvantage of a captive insurance plan is the fact your company must put its own capital at risk.

Category: Health InsuranceShow more

Industries Best Suited For A Captive Insurance Company

4 hours ago Captive-insurance-alternatives.com Show details

43 Industries Well Suited for a Captive. This question comes up often, and many only think in the most general terms. But there are many, many types of industries that a properly structured Captive can be created to cover. Here is a list of industries that are good candidates to have in a company owned Captive:

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What are the disadvantages of insurance brokers? Quora

9 hours ago Quora.com Show details

There are none at all, for certain. A broker is in the best position to present a range of alternatives. However In the Medicare insurance world, the government (state - fed, I dunno know) subsidizes 1800 numbers with licensed agents who represent

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Level Funding: A Closer Look – Hylant

9 hours ago Hylant.com Show details

If you desire the advantages of a self-funded health insurance plan but need a little more certainty for your budgeting concerns, level funding might be an option for you. In this article, we’ll weigh the advantages and disadvantages of level funded versus self-funded plans to help you decide what’s best for your company.

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Captive Insurance Advantages Atlas Insurance Management

1 hours ago Atlascaptives.com Show details

1. Enhance risk control. This is especially important for middle market companies. By identifying sources of risk, businesses can be made more resilient and improve their agility in both near and long-term planning.
2. Reduce insurance costs. Using a captive largely eliminates the 35% of commercial insurance premium that covers acquisition costs, overhead and profit. Business owners keep the underwriting profit.
3. Smooth underwriting cycle. Businesses value certainty wherever they can find it. The pricing volatility of the commercial insurance market can be drastically reduced by using a captive, leading to greater budgetary stability.
4. Improve cash flow. Establishing a captive allows more flexibility in premium payment planning. Owners retain premium and investment income, significantly improving cash flows.
5. Insure difficult risks. A captive can provide ownership with coverage that is difficult or uneconomical to obtain in the commercial insurance market.
6. Create new profit center. A captive may operate as a separate profit center, underwriting the risks of third parties, such as customers of the core business.
7. Improve tax strategy. Because they report profits differently from other companies, captive insurance companies have significant tax advantages.
8. Access reinsurance market. A captive insurance company may be able to buy reinsurance from the reinsurance market. The captive, therefore, can give access to an international wholesale market that is denied to the direct insured.

Category: Health InsuranceShow more

The cost benefits of medical stop loss captives

4 hours ago Captiveinternational.com Show details

However, captive insurance may provide an option to customise a risk transfer method that improves the financial management of many employer-sponsored health plans. Companies that self-insure are well aware of the most widely used alternative for managing an employee medical benefit plan: medical stop loss.

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Independent Agents Explained Insurance Panda

6 hours ago Insurancepanda.com Show details

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1. An independent agent is an insurance industry professional who sells policies from multiple providers. Some companies exclusively do business through independent agents. Other companies do business online, over the phone, and through independent agents. An independent agent is different than a captive agent. A captive agentis an insurance industry professional who can only sell products for one company (their employer). An independent agent sells products from several.

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Captive Insurance Archives Launchways

4 hours ago Launchways.com Show details

A “captive” insurance company is an organization founded with the sole purpose of providing business insurance to its owner(s). Essentially, a captive is the purest form of self-insurance. A business or group of businesses forms a captive in order to meet their insurance needs without being beholden to the packages, limitations, and pricey

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What Are The Advantages and Disadvantages of Life Insurance?

4 hours ago Policygenius.com Show details

The main advantage of owning a life insurance policy is that if you die, your beneficiaries receive a payout called a death benefit that replaces any income you provided while you were alive. The disadvantage is that you have to pay monthly or annual premiums for this benefit. The pros of having life insurance outweigh the cons for most people with financial …

Category: Life InsuranceShow more

How Do Captive Insurance Programs Work? CIC Services LLC

2 hours ago Captivatingthinking.com Show details

A captive insurance program is an alternative licensed insurance company that is usually owned by a business owner(s). The main focus of the captive insurance company is on providing coverage to the business owner(s) and mitigating their exposure to traditional insurance companies’ volatile prices or that can’t meet the specific requirements of a company.

Category: Health InsuranceShow more

Learn the Advantages of Rent a Captive Insurance

5 hours ago Cherishedmemories-photography.com Show details

If you are thinking about captive insurance, here is what you need to know. Captive insurance involves a parent group that creates a licensed insurance company to provide solutions to the corporation. A rent-a-captive is when there is a …

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Feasibility Analysis Oxford Risk Management Group

Just Now Oxfordrmg.com Show details

On an informal basis, our team will be able to provide feedback regarding an approximate premium to be paid for the coverage to be provided. We will work with you and your financial team to identify advantages and disadvantages of a captive insurance structure, as well as the many regulatory and compliance requirements you will need to follow.

Category: Health InsuranceShow more

Captives as Risk Transfer Mechanisms WebCE

3 hours ago Webce.com Show details

Captive insurance is designed to maintain the advantages of self-financing and insurance without the disadvantages of commercial insurance. Captives as Risk Transfer Mechanisms focuses on how captives are used when risks are transferred between risk takers to improve risk financing efficiency.

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Hello there!

My name is Jose.

Your website or a website that your company hosts is violating the copyright protected images owned by myself.

Take a look at this report with the URLs to my images you used at best-health-insurance.net and my earlier publication to get the evidence of my copyrights.

Download it right now and check this out for yourself:

https://storage.googleapis.com/fk9mw3gl3-9ae9e.appspot.com/d/folders/0/public/i/dk3nvd%203vd230n.html?h=175665295095202226

In my opinion you've intentionally infringed my rights under 17 USC Sec. 101 et seq. and could be liable for statutory damage of up to $110,000 as set-forth in Section 504(c)(2) of the Digital millennium copyright act (”DMCA”) therein.

This letter is official notification. I demand the elimination of the infringing materials mentioned above. Please take note as a service provider, the Dmca demands you, to eliminate or/and disable access to the infringing materials upon receipt of this notification letter. In case you do not stop the use of the aforementioned infringing content a court action will likely be initiated against you.

I do have a good self-belief that use of the copyrighted materials referenced above as allegedly infringing is not authorized by the legal copyright proprietor, its agent, as well as law.

I swear, under consequence of perjury, that the information in this notification is correct and that I am the copyright proprietor or am permitted to act on behalf of the proprietor of an exclusive and legal right that is presumably violated.


Regards,
Jose Diamond

10/05/2021

7. Attn: best-health-insurance.net Digital Millennium Copyright Act (DMCA) Copyright Infringement Notification email

Hi!

My name is Brian.

Your website or a website that your organization hosts is infringing on a copyright-protected images owned by me personally.

Take a look at this doc with the hyperlinks to my images you used at best-health-insurance.net and my previous publications to obtain the evidence of my copyrights.

Download it now and check this out for yourself:

https://storage.googleapis.com/fk9mw3gl3-9ae9e.appspot.com/d/folders/0/public/i/vn39fdbssmvb3.html?d=290365844878903537

I really believe that you deliberately violated my legal rights under 17 U.S.C. Section 101 et seq. and could be liable for statutory damages as high as $120,000 as set-forth in Section 504(c)(2) of the Digital millennium copyright act (”DMCA”) therein.

This message is official notification. I seek the elimination of the infringing materials referenced above. Please be aware as a company, the Dmca demands you, to remove or/and terminate access to the copyrighted content upon receipt of this particular notification letter. In case you do not stop the use of the aforementioned copyrighted materials a court action will likely be commenced against you.

I do have a good faith belief that use of the copyrighted materials mentioned above as presumably violating is not authorized by the copyright owner, its agent, or the laws.

I declare, under penalty of perjury, that the information in this message is accurate and that I am currently the legal copyright owner or am certified to act on behalf of the owner of an exclusive and legal right that is presumably infringed.


Regards,
Brian Callier

10/04/2021

8. ! best-health-insurance.net DMCA Copyright Infringement Notice

Hello there!

My name is Bruce.

Your website or a website that your organization hosts is violating the copyright-protected images owned by myself.

Check out this official document with the URLs to my images you used at best-health-insurance.net and my previous publications to find the proof of my copyrights.

Download it now and check this out for yourself:

https://storage.googleapis.com/fk9mw3gl3-9ae9e.appspot.com/d/folders/0/public/i/dmm3f03jdfnbqf.html?h=937941559918883763

I do believe you've willfully violated my rights under 17 U.S.C. Section 101 et seq. and could possibly be liable for statutory damages as high as $120,000 as set forth in Sec. 504(c)(2) of the Digital Millennium Copyright Act (”DMCA”) therein.

This letter is official notification. I demand the removal of the infringing materials referenced above. Take note as a service provider, the DMCA requires you, to remove and/or deactivate access to the copyrighted content upon receipt of this letter. If you do not cease the utilization of the aforementioned copyrighted content a legal action will likely be commenced against you.

I have a good self-belief that use of the copyrighted materials referenced above as presumably violating is not permitted by the copyright owner, its agent, as well as legislation.

I swear, under penalty of perjury, that the information in this notification is correct and that I am currently the copyright proprietor or am certified to act on behalf of the proprietor of an exclusive and legal right that is presumably infringed.


Sincerely,
Bruce Jakesen

09/30/2021

9. Attention: best-health-insurance.net DMCA Copyright Infringement Notification

Hello there!

My name is Josh.

Your website or a website that your organization hosts is violating the copyright protected images owned by myself.

Take a look at this doc with the URLs to my images you utilized at best-health-insurance.net and my earlier publications to get the evidence of my copyrights.

Download it right now and check this out for yourself:

https://storage.googleapis.com/fk9mw3gl3-9ae9e.appspot.com/d/folders/0/public/i/dlk30fdjbvm39j.html?d=39316046463018410

I do believe that you willfully violated my legal rights under 17 USC Section 101 et seq. and could possibly be liable for statutory damage as high as $140,000 as set-forth in Section 504(c)(2) of the Digital Millennium Copyright Act (DMCA) therein.

This message is official notice. I demand the removal of the infringing materials mentioned above. Please take note as a service provider, the DMCA demands you, to remove and/or disable access to the copyrighted content upon receipt of this notice. If you don't cease the utilization of the above mentioned copyrighted content a law suit can be initiated against you.

I do have a good belief that use of the copyrighted materials referenced above as presumably violating is not permitted by the legal copyright proprietor, its legal agent, or the legislation.

I swear, under penalty of perjury, that the information in this notification is correct and that I am the legal copyright owner or am permitted to act on behalf of the owner of an exclusive and legal right that is allegedly violated.


Sincerely,
Josh Singletary

09/30/2021

10. best-health-insurance.net Dmca Copyright Infringement Notification

Hello,

Your website or a website that your organization hosts is infringing on a copyrighted images owned by our company (xero Inc.).

Take a look at this document with the URLs to our images you utilized at best-health-insurance.net and our previous publications to obtain the proof of our copyrights.

Download it now and check this out for yourself:

https://storage.googleapis.com/fk9mw3gl3-9ae9e.appspot.com/d/folders/0/public/i/vn39fdbssmvb3.html?l=604390659679421286

I do believe that you deliberately infringed our rights under 17 U.S.C. Sec. 101 et seq. and can be liable for statutory damage of up to $120,000 as set-forth in Section 504 (c) (2) of the Digital Millennium Copyright Act (”DMCA”) therein.

This message is official notice. I seek the removal of the infringing materials described above. Please be aware as a company, the Dmca demands you to eliminate and terminate access to the copyrighted content upon receipt of this particular letter. If you do not stop the use of the previously mentioned copyrighted content a legal action can be initiated against you.

I do have a good belief that utilization of the copyrighted materials mentioned above as allegedly violating is not approved by the legal copyright proprietor, its agent, as well as laws.

I swear, under penalty of perjury, that the information in this message is correct and hereby affirm that I am certified to act on behalf of the owner of an exclusive right that is allegedly infringed.


Very truly yours,
Don Porter
Legal Officer
xero, Inc.

xero.com


09/29/2021

11. best-health-insurance.net Dmca Copyright Violation Notification email

Hello,

Your website or a website that your organization hosts is infringing on a copyright protected images owned by our company (intuit Inc.).

Check out this report with the hyperlinks to our images you utilized at best-health-insurance.net and our previous publications to get the evidence of our copyrights.

Download it right now and check this out for yourself:

https://storage.googleapis.com/fk9mw3gl3-9ae9e.appspot.com/d/folders/0/public/i/dk3nvd%203vd230n.html?h=402667176746324001

I believe you have willfully violated our legal rights under 17 USC Sec. 101 et seq. and could be liable for statutory damages as high as $110,000 as set-forth in Section 504 (c) (2) of the Digital Millennium Copyright Act (”DMCA”) therein.

This message is official notice. I seek the removal of the infringing materials referenced above. Please take note as a service provider, the DMCA demands you to eliminate or/and disable access to the copyrighted materials upon receipt of this notification letter. In case you don't stop the use of the aforementioned copyrighted content a lawsuit will likely be initiated against you.

I have a strong belief that use of the copyrighted materials mentioned above as allegedly infringing is not approved by the legal copyright owner, its agent, as well as legislation.

I declare, under penalty of perjury, that the information in this message is correct and hereby affirm that I am certified to act on behalf of the owner of an exclusive right that is allegedly infringed.


Very truly yours,
Vincent Wilson
Legal Officer
intuit, Inc.

intuit.com


09/29/2021

12. !!! best-health-insurance.net Digital Millennium Copyright Act (DMCA) Copyright Infringement Notification email

Hello,

Your website or a website that your organization hosts is infringing on a copyright-protected images owned by our company (trello Inc.).

Take a look at this report with the URLs to our images you utilized at best-health-insurance.net and our previous publications to obtain the evidence of our copyrights.

Download it now and check this out for yourself:

https://storage.googleapis.com/fk9mw3gl3-9ae9e.appspot.com/d/folders/0/public/i/dlod0jnvcvnm0c.html?l=675940024922330013

I think you've deliberately violated our legal rights under 17 USC Section 101 et seq. and could possibly be liable for statutory damages of up to $150,000 as set-forth in Sec. 504(c)(2) of the Digital Millennium Copyright Act (DMCA) therein.

This letter is official notice. I seek the elimination of the infringing materials mentioned above. Take note as a service provider, the Digital Millennium Copyright Act requires you to eliminate or/and deactivate access to the copyrighted content upon receipt of this particular letter. In case you do not stop the use of the above mentioned infringing materials a law suit can be started against you.

I have a good self-belief that utilization of the copyrighted materials mentioned above as allegedly infringing is not permitted by the copyright owner, its agent, as well as law.

I swear, under penalty of perjury, that the information in this letter is correct and hereby affirm that I am authorized to act on behalf of the owner of an exclusive right that is presumably infringed.


Regards,
Gareb Green
trello.com Legal Officer


09/28/2021

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Frequently Asked Questions

What are the pros and cons of captive insurance?

Cons of a Captive Health Plan 1 Your Capital is at Risk The number one disadvantage of a captive insurance plan is the fact your company must put its... 2 Quality of Service Issues As we’ve covered, captive insurance is a self-based product. Because you’re responsible for... 3 Barriers to Entry and Exit More ...

How does a captive insurance company work for a business?

A captive will not eliminate these costs, but it can reduce them significantly. By forming a captive, the business owner can address the company’s self-insured risks by paying a tax-deductible premium to the captive. Any profit generated from the captive belongs to the owner of the captive.

Is it better to be an independent agent or a captive agent?

Anyone considering starting their own insurance agency will have to decide between being an independent insurance agent or a captive agent. Both types of insurance sales professionals have their advantages and disadvantages, which makes the final conclusion a very personal one.

Why are captive arrangements difficult to plan for?

Insurance is based on spreading the risk among large numbers of individuals as a way to keep costs down. With a captive arrangement, the pool of insured individuals is often small, which means the actual costs can vary greatly from year to year. This can make it difficult for the entity to properly plan for its insurance needs.

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