A member-owned group captive is an insurance company owned and controlled by its members, providing coverage while reducing costs and returning profits to participants. Unlike traditional insurance—where carriers keep the profits—a member-owned group captive allows businesses to share risk, manage claims more effectively, and benefit from financial returns.
The concept of a captive is straightforward:
Pay your insurance premiums into the group.
Use those premiums to cover claims throughout the policy period.
Any remaining funds are returned to you dollar for dollar, plus investment income earned from the captive's investment fund.
A Fund (≈48%-52%) .
B Fund (≈13%-15%) +
Operating Costs (≈36%-39%) +
Administrative Expenses (≈1%-3%) +
= Your Total Premium
What is the Captive Investor’s Fund?
The Captive Investor’s Fund (CIF) has been operating for over 30 years. This is where your cash sits—securely held—until claims arise and throughout the time it takes for them to mature and close. The fund is conservatively managed, targeting 3–6% returns, and holds over $8.9 billion in assets diversified across bonds, equities, and alternatives such as hedge funds, real estate, and infrastructure.
At the end of the day, you’re not only getting your unused premium returned to you, but also earning investment income on those funds while they’re in the CIF.
