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Program Summary

What is the biggest insurance mega-trend today?

"The big one...the continual movement by organizations into the alternative risk transfer (ART) market, namely through the use of captives, self insurance, risk retention groups and large deductibles."

Dr. Robert Hartwig, President, Insurance Information Institute
"The End of Insurance?" ROUGH NOTES, Mar 30, 2009

THOMCO's Alternative Market Solutions allows partner producers to benefit from this trend and to compete with national brokers by offering creative and effective alternative market mechanisms to their middle market clients. As national brokers migrate into the middle market, a trend well documented in the insurance media, regional producers need to have the tools necessary to compete on an even playing field with the mega firms.

As a result, THOMCO Risk Solutions (TRS), the alternative risk arm of THOMCO, offers the following products:
  • Group Cell Captives
  • Mid-Sized Cell Captives
  • Deductible Reimbursement Policy (DRP) Captives
  • Group Health Cell Captives
For more details on the above plans and the documentation of tax deferability for premiums paid into a segregated cell, please download the marketing materials provided on the right hand side of this page.

Submission Requirements
Most Recent Financial Statement
Copies of Current Policies
5-Year Hard Copy Carrier Loss Runs (plus current policy year)
Employee Census for Group Health
Acord Form Applications

Contact the Managing Director

Omar Cordial
Managing Director, THOMCO Risk Solutions
888-969-8036

Omar.Cordial@thomcoins.com
Presentation Materials
Small-Sized Group Cell Captives
Mid-Sized Group Cell Captives
Deductible Reimbursement Policy (DRP) Cell Captive
Group Health Cell Captive
Tax Factors
Premium Deductibility
Internal Revenue Code Section 831(b)
Revenue Ruling 2002-89
Revenue Ruling 2002-90
Revenue Ruling 2008-08

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