{"id":53997,"date":"2024-04-11T00:00:04","date_gmt":"2024-04-11T04:00:04","guid":{"rendered":"https:\/\/roundstoneinsurance.com\/?p=53997"},"modified":"2024-07-29T11:46:04","modified_gmt":"2024-07-29T15:46:04","slug":"if-you-know-only-one-captive-why-roundstone-should-be-the-one","status":"publish","type":"post","link":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/if-you-know-only-one-captive-why-roundstone-should-be-the-pne\/","title":{"rendered":"\u201cIf You Know Only One Captive&#8230;\u201d Why Roundstone Should be the One"},"content":{"rendered":"<p><strong>Highlights<\/strong><\/p>\n<ul style=\"font-weight: 400;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Because group stop-loss captives differ dramatically in collateral, cash distributions, and flexibility, many advisors prefer a single captive they recommend exclusively to clients.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Roundstone offers many advantages over other captives \u2013 lower collateral, lower fixed costs, and cash distributions returned to employers.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Faced with escalating healthcare costs, more employers are demanding solutions like stop-loss captives because the current model is unsustainable.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<p><span data-contrast=\"none\">As Roundstone\u2019s Executive Vice President of Sales, Rob Hamilton has clocked his fair share of time on the road. He\u2019s tried the free breakfast of nearly every hotel chain and knows all the best sushi joints and steakhouses scattered across America. Along the way, he\u2019s gathered some valuable truth nuggets regarding self-funding, sayings that <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/group-captive\/\"><span data-contrast=\"none\">describe the group captive experience in a nutshell<\/span><\/a><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">One of his favorites is this: \u201cIf you know one captive, you only know one captive.\u201d He first heard this from an advisor who vetted several <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/group-stop-loss-captives\/\"><span data-contrast=\"none\">group medical captives<\/span><\/a><span data-contrast=\"none\"> before finally deciding on Roundstone.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<blockquote><p><strong><em>\u201cSelf-funding in and of itself can be complicated, especially to a midsize employer that\u2019s been fully insured since inception,\u201d Rob said. \u201cOnce you\u2019ve added the captive component, you\u2019ve jumped into the deep end of the pool.&#8221;\u00a0\u00a0<\/em><\/strong><\/p><\/blockquote>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Sure, as an advisor, you\u2019ll <a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/self-funding-in-3-easy-pieces-self-funding-101\/\">shop and compare features of various stop-loss captives<\/a> before recommending one to clients. You <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/how-to-find-the-best-stop-loss-captive-for-your-employee-health-plan\/\"><span data-contrast=\"none\">might consider the cost\u00a0of collateral, the size of the captive loss or return fund, or whether the captive pays cash distributions<\/span><\/a><span data-contrast=\"none\"> or returns unused claims funding\u00a0back to captive members.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Like shopping for a car, you\u2019ll weigh various metrics of different models on the lot, but it\u2019s unnecessary to be an expert on each. It helps to be an informed shopper \u2013 but you don\u2019t need to be an automotive engineer.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<blockquote><p><strong><em>\u201cIt\u2019s virtually impossible for an advisor to be a true expert on two to three different captives,\u201d Rob explained. \u201cThey\u2019ll weigh the pros and cons and pick one \u2013 and they\u2019ll recommend that captive almost exclusively to their clients.\u201d\u00a0<\/em><\/strong><\/p><\/blockquote>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Why That One Captive Should be Roundstone<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Rob would be the first to admit he\u2019s a little biased, but he has several tried-and-true reasons why Roundstone should be your choice of captive to <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/how-to-switch-to-self-funded-insurance\/\"><span data-contrast=\"none\">know for a self-funded health insurance solution<\/span><\/a><span data-contrast=\"none\">.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">First, Roundstone has the lowest fixed costs of any captive in the industry \u2013 30%. Most captives\u2019 fixed costs range anywhere from 35% to 45%. Your fixed costs include your operational costs, reinsurance, and taxes. Your variable costs include your claims. Naturally, you <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/fixed-vs-variable-group-captive-health-insurance-costs\/\"><span data-contrast=\"none\">want a low fixed cost, high variable cost ratio<\/span><\/a><span data-contrast=\"none\"> because it allows for better returns on stop loss premiums\u00a0when claims are lower than expected.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<blockquote><p><strong><em>\u201cIf you take any employer\u2019s claims, put them in one captive and put the same claims with Roundstone, they\u2019ll get more money back with us, every time,\u201d Rob said. \u201cThat\u2019s because of our lower fixed costs. It\u2019s simply a more cost-efficient model.\u201d\u00a0<\/em><\/strong><\/p><\/blockquote>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Roundstone maintains the lowest fixed costs of any other captive in the industry because of our size and because we\u2019ve negotiated with partners like fronting carriers and reinsurers to lower those costs. We always pass those savings on to the employers. We haven\u2019t changed our underwriting or management fees since our early beginnings. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Second, <\/span><a href=\"https:\/\/youtu.be\/GdspLRLOxAA?si=JXdtrmH4DZphHinx\"><span data-contrast=\"none\">Roundstone prioritizes employer alignment<\/span><\/a><span data-contrast=\"none\"> \u2013 everything we do is in the best interests of the employer and their employees. We have an open platform with a pass-through approach that passes all savings onto the employer. We never earn commissions from TPAs, PBMs, or other solution partners. Every recommendation we make is purely designed to deliver better outcomes for captive members.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Roundstone returns all savings to\u00a0the employer \u2013 <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/pharmacy-benefit-managers-your-self-funded-plans-secret-weapon\/\"><span data-contrast=\"none\">pharmacy rebates, cost saving solutions, reduced healthcare costs<\/span><\/a><span data-contrast=\"none\"> \u2013 the employer benefits from every dime. Our end game is always happy and satisfied clients. We <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/roundstone-announces-another-year-of-remarkable-growth\/\"><span data-contrast=\"none\">earn our bread and butter through steady growth<\/span><\/a><span data-contrast=\"none\"> and consistent renewals.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Part of our alignment vision comes from the fact that <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/about-roundstone\/\"><span data-contrast=\"none\">Roundstone is a family-owned, privately-held stop-loss captive<\/span><\/a><span data-contrast=\"none\"> \u2013 unlike other captives on the market owned by private equity firms. We\u2019re not beholden to a board; we\u2019re not motivated by stock price. Everything we do is in the best interest of the employer.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Third, Roundstone always provides transparency \u2013 not just on your claims data, but on the actual performance of the captive. Unlike other captives on the market, Roundstone provides quarterly captive performance reports, so you always know how not only your company but the captive overall is performing. That way you can keep a pretty good tally on your expected distribution return throughout the year.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Of course, captive performance is a moot point for most captives because they don\u2019t return distributions \u2013 or they use it as a credit for next year or count it as collateral. They prefer to keep your money for themselves.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">We\u2019re different. We understand that money is yours. You deserve to have it back. Roundstone always <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/roundstone-reports-8-million-distributed-back-to-its-group-captive-participants\/\"><span data-contrast=\"none\">returns any unused claims spend, pro-rata, back to captive members at the end of the year<\/span><\/a><span data-contrast=\"none\">. We pay this distribution in cash, about six to seven months after the policy year concludes.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">As an advisor, that\u2019s a check you get to deliver personally to your clients \u2013 the perfect opportunity to be their hero in winning the benefits game.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Roundstone Offers a Turnkey Solution\u00a0<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">At Roundstone, we like to keep things under one roof. There\u2019s less friction and it\u2019s easier to meet the needs of employers quickly and proactively.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<blockquote><p><strong><em>\u201cRoundstone is the only captive that offers a completely integrated, turnkey operation,\u201d Rob said.\u00a0<\/em><\/strong><\/p><\/blockquote>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Roundstone is a managing general underwriter (MGU) \u2013 we <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/why-in-house-underwriting-is-invaluable-to-a-self-funded-insurance-plan\/\"><span data-contrast=\"none\">underwrite all our risk in-house<\/span><\/a><span data-contrast=\"none\">. As an advisor, you have personal access to our in-house underwriters. You can tap into their expertise and insight, enabling a deeper understanding of whether a policy suits your client\u2019s needs. Moreover, it provides the opportunity to tailor the policy more effectively to address the specific healthcare concerns of your client.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">In-house underwriting also allows us to price policies by the book. We can take a more disciplined approach to bringing on risk compared to the fully insured market, even when claims information is often not readily available. We never shadow-price \u2013 naming a price just to match what a competitor is offering \u2013 or use maximum allowable discretionary discounts just to write business. This leads to more consistent, stable renewals, so your clients don\u2019t need to shop for a new policy every year. Roundstone delivers consistent business, which is great for both maintaining and growing your book.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Roundstone also <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/understanding-stop-loss-insurance\/\"><span data-contrast=\"none\">issues our own stop-loss policy<\/span><\/a><span data-contrast=\"none\">. We adjudicate all our claims in-house. That allows us quicker turnaround, more direct communication, and the ability to clear up confusion promptly. We\u2019re more in control \u2013 and that\u2019s a great benefit to you and your clients. We can meet your needs more efficiently because we don\u2019t need to rely on third parties. We can get faster turnaround time on issuing policies as well as renewals.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Our in-house approach also <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/cost-savings-investigators\/\"><span data-contrast=\"none\">applies to your data and cost containment<\/span><\/a><span data-contrast=\"none\">. We have our own <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/roundstone-csi-dashboard\/\"><span data-contrast=\"none\">Cost Containment Investigators (CSI)<\/span><\/a><span data-contrast=\"none\"> \u2013 data specialists who comb through your data to <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/csi-team-helped-one-employer-save-40000\/\"><span data-contrast=\"none\">offer cost savings recommendations to further improve the savings<\/span><\/a><span data-contrast=\"none\"> of your self-funded health plan. These recommendations are only suggestions. We never mandate cost saving solutions. It\u2019s your plan. You\u2019re free to design it as you\u2019d like.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Roundstone also <\/span><a href=\"https:\/\/choosebywater.com\/\"><span data-contrast=\"none\">offers its own in-house TPA, Bywater<\/span><\/a><span data-contrast=\"none\">, which specializes in captive funding. You have the option to work with other approved TPAs, or we can also make recommendations from a selection of our preferred\u00a0TPAs.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Why Roundstone is Great for Advisors<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/advisors\/\"><span data-contrast=\"none\">As an advisor<\/span><\/a><span data-contrast=\"none\">, you\u2019re driven by three things:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p style=\"padding-left: 40px;\"><span data-contrast=\"none\">1. Growing your business.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:220,&quot;335559739&quot;:220,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p style=\"padding-left: 40px;\"><span data-contrast=\"none\">2. Retaining your book of business.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:220,&quot;335559739&quot;:220,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p style=\"padding-left: 40px;\"><span data-contrast=\"none\">3. Differentiating your value proposition.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:220,&quot;335559739&quot;:220,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span data-contrast=\"none\">Roundstone can help with all three.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\"><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/podcast-taking-control-of-healthcare-benefits\/\">Employers are cash-strapped by escalating renewals<\/a>. We can help you help them get off the escalator of increasingly high premiums. It\u2019s more than just a sales pitch. <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/05\/The-Roundstone-Guarantee-Handout_may2024-1.pdf\"><span data-contrast=\"none\">It\u2019s the Roundstone Guarantee<\/span><\/a><span data-contrast=\"none\">. We promise your clients will save money over five years compared to a traditional plan, or we\u2019ll refund them the difference.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">In fact, two-thirds of Roundstone clients save enough in their first four years to completely pay for their fifth year of claims. And 100% save money, full stop.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Roundstone has a high retention rate of 90% to 95%. Our renewals are consistent and easy.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">We offer the best-performing captive for the reasons stated above. We help you differentiate your value proposition by offering clients a viable solution to out-of-control healthcare benefits. Your clients deserve affordable benefits \u2014 their employees demand great care. Roundstone delivers both.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/cost-savings-calculator\/\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-53718\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Cost-Savings-Calculator-Blog-CTA_800x225-300x84.webp\" alt=\"Cost-Savings Calculator Blog CTA_800x225\" width=\"1382\" height=\"387\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Cost-Savings-Calculator-Blog-CTA_800x225-300x84.webp 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Cost-Savings-Calculator-Blog-CTA_800x225-768x216.webp 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/03\/Cost-Savings-Calculator-Blog-CTA_800x225-jpg.webp 800w\" sizes=\"(max-width: 1382px) 100vw, 1382px\" \/><\/a><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Why Roundstone is Great for Employers<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Roundstone benefits employers through a transparent approach to their data. Unlike fully insured or level funded, our Captive provides intricate, HIPPA-compliant access to your claims data. We like to say that the data drives the strategy.<br \/>\n<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><br \/>\n&nbsp;<\/p>\n<blockquote><p><strong><em>\u201cYou can do a root cause analysis with your data,\u201d Rob said. \u201cWe gather the data, team you up with smart data specialists who can help you figure out what the problem is. Then we formulate a strategy to fix the problems. This results in cost savings that directly benefit the employer.\u201d\u00a0<\/em><\/strong><\/p><\/blockquote>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Roundstone also delivers a flexible, open platform. Employers can make alterations to their plan mid-year to save money and improve care. It\u2019s their plan. They are in the driver\u2019s seat.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">With Roundstone, employers also pay the lowest collateral than any other captive \u2013 7%, paid once upon entry to the captive. Most captives charge collateral between 11% and 15%, though sometimes it can be as high as 25%. And some require stacked collateral \u2013 meaning you have to pay two years in a row.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">What is collateral? It\u2019s a percentage of the stop-loss premium, essentially your price of admission into the captive. Collateral provides a safety net \u2013 it\u2019s the amount you pay to protect yourself in case the healthcare costs of your employees go way above what you expected. It covers any unexpected costs that might be more than the amount the captive has received as premium. However, in a well-established captive like Roundstone, the likelihood of having to dip into the collateral is exceedingly rare.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/self-funded-captive-vs-level-funded-insurance\/\"><span data-contrast=\"none\">Most captives or level-funded plans<\/span><\/a><span data-contrast=\"none\"> keep a portion or all of the collateral if you leave the plan. Roundstone is different. If you leave the captive, any unused collateral is refunded back to you 100%. We don\u2019t believe in handcuffs.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Cash-strapped Employers Demand Better Care<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">The <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/3-macrotrends-that-drive-more-employers-to-self-funded-stop-loss-captives\/\"><span data-contrast=\"none\">market for alternative health insurance solutions has grown<\/span><\/a><span data-contrast=\"none\">.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<blockquote><p><em><strong>\u201cIt&#8217;s growing so dramatically because of high demand,\u201d Rob said. \u201cThere&#8217;s so much pain in the marketplace. The current model is unsustainable. You get a 20% to 40% increase every year, and in four years your costs are going to double. Employers used to shift those costs to employees, but they can\u2019t do it anymore. Costs are just too high.\u201d\u00a0<\/strong><\/em><\/p><\/blockquote>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">The growing popularity of captives is one reason Roundstone has maintained a consistent 30% growth rate over the last several years. People are catching on, Rob said.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<blockquote><p><strong><em>\u201cTen years ago, our sales reps\u00a0would get asked, \u2018Hey, tell me about this captive thing,\u2019\u201d Rob said. \u201cNow people are asking, \u2018Why is your captive different from the others?\u2019 The word has spread. Employers are telling their advisors they need a better alternative.\u201d\u00a0<\/em><\/strong><\/p><\/blockquote>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/top-employer-health-insurance-options\/\"><span data-contrast=\"none\">Your clients want you to do your homework<\/span><\/a><span data-contrast=\"none\">. Crunch your options. Run the numbers. Talk to other advisors. We promise Roundstone will stand out.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/how-to-submit-an-rfp\/\"><span data-contrast=\"none\">Send us the RFPs<\/span><\/a><span data-contrast=\"none\"> for the groups you\u2019re working on. Let\u2019s see how we can help your clients start saving money.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/contact-us\/\"><img decoding=\"async\" class=\"alignnone wp-image-47316\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/05\/Blog-CTA-Contact-Us-2.png\" alt=\"Blog-CTA-Contact-Us-2\" width=\"1384\" height=\"395\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p class=\"excerpt\">Highlights Because group stop-loss captives differ dramatically in collateral, cash distributions, and flexibility, many advisors prefer a single captive they recommend exclusively to clients.\u00a0 Roundstone offers many advantages over other captives \u2013 lower collateral, lower fixed costs, and cash distributions returned to employers.\u00a0 Faced with escalating healthcare costs, more employers are demanding solutions like stop-loss [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":53999,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3334,1827],"tags":[],"class_list":["post-53997","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advisors","category-employers"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v25.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why Roundstone is the One Captive Advisors Should Know<\/title>\n<meta name=\"description\" content=\"Employers demand better healthcare solutions from their advisors. 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