Frequently Asked Questions

At BenCap America, our primary mission is to enhance the well-being of your workforce by increasing the number of claims paid out for voluntary benefits. We ensure that employees receive optimal benefits, insurance brokers secure higher commissions, and sponsoring companies actively participate in the profits generated by voluntary benefits, reinvesting them in other employee benefits.

We achieve our goal by serving as a dedicated captive insurance partner, paying more claims, and using the broadest available client policy language. Through this approach, the employer's voluntary benefit plan retains underwriting profits annually, reinvesting them in ERISA plans. This ensures maximum benefits for valued employees.

BenCap America has strategically aligned with a top-rated health, wealth, and investment company, ensuring that our valued clients receive unparalleled voluntary benefit products and administration. This U.S.-based provider of supplemental health insurance boasts a comprehensive portfolio, covering stop loss, life, disability, and voluntary insurance for businesses. With an AMBest A+ rating, the partner consistently earns recognition for ethical practices, responsible corporate behavior, and financial stability.

We started with the employees.  How do we get them more benefits for the premium?  The best structure for this is through a Captive Insurance program.  We structured the program to pay employees more; employers and insurance brokers win.

Our exclusive partnership with a leading health, wealth, and investment company ensures that organizations receive high-quality voluntary benefit products and administration. The A+ rating of our partner signifies their dedication to reliability, responsible corporate behavior, and financial stability – essential qualities for any organization seeking a trustworthy and strategic benefits partner.

BenCap America was built for everyone to win. We focus on creating a scenario where everyone wins – employees receive more claims, brokers secure higher commissions, and employers actively participate in the profits, reinvesting them strategically in benefit programs. 

BenCap America is specifically tailored for organizations seeking to optimize voluntary benefit programs. Our captive solutions offer a unique approach, maximizing claims paid out to employees, ensuring higher commissions for brokers, and allowing companies to actively participate in the profits reinvested in benefit programs.

Unlike competitors that may focus solely on dividends back to employers, BenCap America takes a different approach. We believe in a balanced strategy that creates a scenario where everyone wins – employees receive more claims, brokers secure higher commissions, and employers actively participate in the profits reinvested in benefit programs.