Would Captive Owners Be Better Off In RRGs?

If you had a captive insurance company writing liability insurance for long-term care facilities in the early years of this decade, you had a good thing going, but because of dramatic changes that have taken place in the marketplace in the past few years, the reverse is true today.

At this point in time, your capital may be frozen, but you continue to pay into the captive for liability insurance protection. To make things worse, the return on your invested assets has sunk to around 2 percent or less.