The Benefit Captive Solutions team helps multinational organizations finance employee benefits and pension risks through their captive insurance companies.
We work at the intersection of employee benefits, risk management, actuarial and finance, supporting organizations to design, implement, and optimize captive strategies that deliver measurable value.
Our team includes specialist captive advisors, actuaries, underwriters, and global benefits experts, working alongside colleagues across broking, analytics, and risk advisory.
Our employee benefit captive services
We support organizations at every stage of their captive journey.
How can benefit captives create value?
A well-designed employee benefit captive can provide:
- Cost efficiency: Reduction of frictional insurer costs, retention of underwriting profit, and investment income
- Improved control: Enhanced governance, funding visibility, and data transparency
- Global consistency: Coordinated benefit financing across countries
- Capital optimization: More efficient use of corporate capital
- Enhanced risk insight: Advanced medical claims analytics and real-time data
- Strategic flexibility: Captives are increasingly being used not only for group life, disability, and employee healthcare, but also for:
- Defined benefit pensions
- Pension longevity risk
- US ERISA benefits
- Retiree medical
- Stop-loss protection for U.K. trust-based medical plans
- U.S. medical stop-loss on U.S. self-insured medical plans
Is a captive strategy right for your organization?
You may wish to explore a captive strategy if you:
- Spend significant amounts on insured employee benefits globally
- Want greater visibility and control over benefits costs
- Want to support your company's People agenda with more tailored benefit provision
- Already operate a captive and are considering expanding its use
- Are reviewing pension risk transfer options
- Seek a more coordinated global benefits financing approach
- Want to integrate benefits risk into your broader enterprise risk framework
Our captive advisory approach
We provide transparent, technically rigorous advice grounded in deep market experience.
Our work is supported by proprietary research and benchmarking, including global medical trend analysis, multinational pooling research, and captive network capability studies.
We combine actuarial modeling, underwriting experience, regulatory expertise, and global benefits insight to ensure solutions are commercially robust and operationally practical.
