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Assumptions
Applicable to all years

0%

Annual Premium Increase
Annual Premium Increase
Assumes the static annual increase in the premium paid into the captive. Actual premium required year over year will be contingent on actuarial analysis, regulatory requirements, and the strategic imperatives of the captive business plan.

0%

Reinsurance
Allocation
Cost of Reinsurance
Anticipates the cost of reinsurance (as a percentage of total premium) to adequately protect the captive against excessive loss. Actual cost varies considerably based on market rates, appetite, and the coverage needed.

0%

Operational Expenses & Fees
Operational Expenses
The anticipated costs associated with running captive operations, including and if applicable, fronting fees, legal counsel for regulatory compliance, independent audits, claims adjustment, investment management, custody, and taxes. Also includes the anticipated fee paid to XN for managing the day-to-day operations of the captive, including and if applicable, claims administration, regulatory compliance, accounting, financial reporting, board of directors compensation, and fees for consultants, actuaries, or other professionals who provide specialized services to the captive.
Adjustable Values
Fine tune the details of your Captive
Premium
Annual Premium adjustment
To obtain the most accurate representation of the captive’s financial potential, this input should reflect the total cost of your current insurance premium(s) for the coverage(s) that you anticipate placing into the captive. Adjust the figure to better understand the financial impact of growing or shrinking the size of your captive.

$0

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Total Claims
Total Claims adjustment
To obtain the most accurate representation of the captive’s financial potential, this input should reflect the total amount of annual claims for the coverage(s) that you anticipate placing into the captive. Adjust the figure to better understand the financial impact of various loss levels.

$0

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Simulated Captive Performance
Results are estimated. Actual performance may vary.
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$0M
$0M
$0M
$0M
$0M
$0M
$6M
$4M
$2M
$0M
$2,894.21
$2,894.21
$2,894.21
$2,894.21
$2,894.21
2023
2023
$2,894.21
$2,894.21
$2,894.21
$2,894.21
$2,894.21
2023
2023
$2,894.21
$2,894.21
$2,894.21
$2,894.21
$2,894.21
2023
2023
$2,894.21
$2,894.21
$2,894.21
$2,894.21
$2,894.21
2023
2023
$2,894.21
$2,894.21
$2,894.21
$2,894.21
$2,894.21
2023
2023
$2,894.21
$2,894.21
$2,894.21
$2,894.21
$2,894.21
2023
2023
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Cumulative Surplus
Retained Earnings
Annual Premium
Total Claims
Reinsurance
OpEx & Fees
Cumulative surpus 0 message
Cumulative Surplus
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Category
2024
2025
2026
2027
2028
2029
Cumulative Surplus
Cumulative Surplus
The total amount of funds that a captive has accumulated year over year, including profits and reserves
$10,000,000
$10,000,000
$10,000,000
$10,000,000
$10,000,000
$10,000,000
Retained Earnings
Category
2024
2025
2026
2027
2028
2029
Surplus
Annual Surplus
The surplus or profit generated by a captive within a specific fiscal year.
$10,000,000
$10,000,000
$10,000,000
$10,000,000
$10,000,000
$10,000,000
Investment Income
Investment Income
The earnings generated from investments made by the captive, such as dividends, interest, and/or capital gains.
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
Annual Premium
Category
2024
2025
2026
2027
2028
2029
Annual Premium
Annual Premium
The amount of premium paid by policyholders into the captive for a single year.
Apply
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
Total Claims
Category
2024
2025
2026
2027
2028
2029
Deductible & Losses
Deductible + Losses
The sum of the deductible amount paid by the policyholder and all other losses covered by the captive.
Apply
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
Loss Adjustment
Loss Adjustment
A built in buffer to account for the cost of post-claim adjustments covered by the captive. This rate is set at 5%.
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
Reinsurance & Risk Transfer
Category
2024
2025
2026
2027
2028
2029
Reinsurance Premium
Reinsurance Premium
The amount paid by a captive to a reinsurer to transfer a portion of its risk exposure.
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
OpEx & Fees
Category
2024
2025
2026
2027
2028
2029
Operational Expenses
Operational Expenses
The anticipated costs associated with running captive operations, including and if applicable, fronting fees, legal counsel for regulatory compliance, independent audits, claims adjustment, investment management, custody, and taxes.
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
Administrative Fees
Administrative Fees
The anticipated fee paid to XN for managing the day-to-day operations of the captive, including and if applicable, claims advisory, legal & regulatory compliance during formation, accounting, financial reporting, and formation fees for consultants, actuaries, or other professionals who provide specialized services to the captive.
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
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Adjust Values
Annual Premium
Total Claims
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Reset Values
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Operational Expenses
The anticipated costs associated with running captive operations, including and if applicable, fronting fees, legal counsel for regulatory compliance, independent audits, claims adjustment, investment management, custody, and taxes.