ClearCaptive provides solutions for 50-500+ life companies seeking control and transparency provided via partial self-funding.  A-rated stop-loss policy combined with a risk-sharing group captive structure proven to smooth renewals and lower employer medical spend. 

Medical Captive Underwriters (MCU) performs more services than just quote and renew.  We offer bespoke medical risk mitigation solutions, timely and consistent financial reporting, and no hidden charges.   Medical Captive Underwriters is transparent about our revenue generation.  No handcuffs, employers can leave ClearCaptive while receiving all distributions and collateral available; no financial penalties.  The Transparency Effect is the combination of all these attributes.  

ClearCaptive sponsored MCU smooths renewals, acts transparently and provides actual control to employers.  Put the Law of Large numbers on your side via our alternative risk transfer solutions. We support and work through advisors and claims administrators. We have proven risk transfer and risk management solutions.  Medical Captive Underwriters provides stop-loss and captive program management solutions proven to lower medical trend and healthcare spend.  Medical Captive Underwriters provides bespoke captive solutions, group and single parent, for employee benefits, property and casualty and voluntary benefits insurance coverage.  Our expertise is tailored to suit your needs.  We run your insurance program, you manage your company operations.  

Medical Captive Underwriters brand pillars are Transparent, Trusted, and Experienced.    Bring your captive to us, or we can arrange a captive for you.  If captive ownership is the privilege you seek, let us help you create your bespoke solution. 

ClearCaptive is our 50 state open access employee benefit group captive program.  Launched on January 1, 2015, ClearCaptive is proven to lower the employer medical spend and the impact of medical inflation on employer profitability.

Medical Captive Underwriters

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