Many insureds face the question of what program structure (Fronted or Direct) is most efficient (Fronted or Direct) as well as compliant with both regulations and contractual requirements.  This can include possible MEWA consequences for employee benefits as well as contractual or profit creation on a P&C program. These structures also have capital efficacy and collateral conversations involved that are integrally important to the overall structure and expected returns.

Following this presentation, audience members will gain an understanding of pros and cons of general fronting vs direct programs, better understand collateral needs and options for multiple types of programs, and should find some takeaways to compare to their current or currently proposed captive program.