A captive insurance company is the premier risk‐management and business‐planning tool for businesses and their owners. Simply put, a captive is a small insurance company that is owned by one or more business owners to provide insurance for the business. A captive is an insurance company, not an insurance product. It insures the risks of its parent company by issuing policies, collecting premiums and paying claims similar to a conventional insurer.  A captive provides a number of advantages for a business, including:

In recent years, smaller, closely held businesses have also learned that the captive insurance entities can provide them significant benefits. These include the attractive risk management elements long appreciated by the larger companies, as well as some attractive tax planning opportunities.  A properly structured and managed captive insurance company can minimize insurance cost, control risk, improve cash flow and have a big impact on wealth accumulation.

The ideal candidates for captives are businesses with $10 million or more in gross annual revenue, and have substantial self-insured or uninsured business risk.

M3 Advisors does not provide captive management services or administration, however based on our client’s need and interest, we have developed relationships with many of the largest Captive Managers in the world.  Our role is to assist the implementation, manage the Captive reserves and efficiently integrate the captive with the business and owner’s strategic vision.

Fee-Based Planning offered through M3 Advisors, a State Registered Investment Advisor. Third Party Money Management offered through ValMark Advisers, Inc., an SEC Registered Investment Advisor. Securities Offered through ValMark Securities, Inc. Member FINRA, SIPC, 130 Springside Drive, Suite 300 Akron, Ohio 44333-2431*, 1-800-765-5201. Martin Financial Group, LLC and M3 Advisors are separate entities from ValMark Securities, Inc. and ValMark Advisers, Inc.

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