THE X FACTOR
SynergiX
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In some cases, the gap between premiums paid and claims paid is astonishing.
Your Captive Might Be Losing Money Without You Realizing It
As a captive manager, we analyze countless captive structures, reinsurance agreements, and bordereau reports. Across these reviews, one pattern consistently stands out: many group reinsurance captives that retrocede excess risk back to the fronting carrier are generally overpaying for that protection.
And nearly every time, the fronting carrier ends up collecting far more in premiums than they pay in claims, keeping substantial underwriting profits that should belong to the captive owners.
In some cases, the gap between premiums paid and claims paid is astonishing.
Synergix was Created to Reclaim Lost Profit
Synergix Mutual Re empowers captive insurance companies! Whether they direct write or reinsure medical stop-loss policies, purchasing an excess coverage from a captive they themselves own heightens the risk/reward motivation. This structure keeps underwriting gains where they belong: with employers who are already committed to proactive risk management and financial discipline.
Captive participating employers are some of the best risk stewards in the industry. They understand the value of mitigation, engagement, and long-term strategy. Synergix Mutual Re allows them to further benefit from their own good performance rather than subsidizing the admitted carrier.
The Captive Success Blueprint
Captives are in the risk business and therefore should strive to manage risk in a manner that is most beneficial to their shareholders!
Synergix will enable a captive to be both a shareholder and a policyholder there is no better position to be in when buying insurance.
Synergix Mutual Re:
Because underwriting profit should go to the people who earned it.