Captive and Regulatory Consulting

Effective design and implementation of a captive insurance solution can be a valid and effective component for an effective global benefits solution.  However, this should not be entered into without significant research undertaken to determine whether a captive approach is appropriate for the business.   A captive feasibility study is therefore an essential initial undertaking and our global strategy specialists are highly experienced in this area.


Our in-depth study is designed so that employers can subsequently make an informed decision as to whether a captive insurance solution is appropriate for them, and considers how a captive insurer should be structured, managed, and located.


In-depth captive analyses have proven invaluable to help global businesses make the best use of insurance and re-insurance facilities, risk management facilities, and to provide direct fiscal value to the business, whilst allowing the business to remain focused on its core activities.




Our specialists can support you focusing on possible optimisation of your captives for:


  • Total cost of risk
  • Treasury and refinancing solution
  • Balance sheet release and accelerated claims closure
  • Optimise profit allocation


We work in partnership with our clients to customise the review to fit their specific needs.  This can include:


  • Captive strategic rationale
  • Redefining the risk financing objectives and requirements of the business
  • Captive efficiency
  • Classes of business underwritten
  • Risk retention and reinsurance market integration
  • Domicile options
  • Operational best practice and themes arising from competitor strategies
  • Capital and reserve adequacy analysis
  • Quantitative assessment through discounted cash flow analysis
  • Qualitative assessment through balanced score card methodologies
  • Run-off efficiency, such as the commutation or novation of portfolios and the redomiciliation, amalgamation, liquidation or sale of captives
  • Transition/exit planning and implementation


   Key benefits of such a feasibility study include:


  • Identifying whether a captive insurer is an appropriate and cost effective solution, and laying out the most relevant strategy.
  • Consideration of legal, regulatory jurisdiction, and capitalisation themes
  • Providing a detailed implementation strategy
  • Directly assisting with setting premiums, allocating capital and developing a projected financial business plan for the captive
  • Consideration of relevant accounting, taxation and regulatory challenges and how best these can be managed.
  • Designing a benchmark to measure captive performance



One insurance solution for your global business



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In2Matrix (UK) Limited is a trading style of In2Planning Limited, registered in Scotland, registration number No SC181076. Registered office - 36 Church Street, Inverness, IV1 1EH.

Authorised and regulated by the Financial Conduct Authority. FCA 456198