Introducing APEX: Elevating Employee Benefits for Large Businesses

At ICS, we’re excited to unveil our latest innovation in the employee benefits market: the APEX Captive. This unique solution is designed to meet the needs of larger companies looking for a sophisticated and exclusive captive experience. APEX stands out from the crowd with three key differentiators that make it a game-changer in the industry.

Larger Floating Layer for More Opportunity

One of the standout features of APEX is its larger floating layer. This structure allows for greater flexibility and opportunities for participating companies. The larger floating layer is designed to absorb more significant fluctuations in claims, providing a smoother experience for members. This setup not only minimizes the financial impact of high-cost claims but also creates an environment where companies can thrive, knowing they have a robust system in place to manage their risk.

Exclusivity for Larger Companies With a Minimum $125K Spec

APEX is tailored exclusively for larger companies, requiring a minimum of $125,000 specific stop-loss insurance threshold. This higher entry point ensures that only organizations with substantial claims experience and a proven track record are included. By setting this high bar, we create a cleaner, more predictable pool of members. This exclusivity helps in maintaining the integrity of the captive, ensuring that all participants are well-versed in managing their healthcare costs and have the resources to do so effectively.

Community of Like-Minded, Sophisticated Employers

APEX brings together a community of like-minded employers who are sophisticated in self-funding and understand the various levers they can pull to manage their healthcare expenses. This collective knowledge and experience foster a collaborative environment where members can share best practices, innovative strategies, and insights.

Being part of such a community means that each member can leverage the collective wisdom to optimize their healthcare spending, drive efficiencies, and improve outcomes for their employees.

Why APEX Is the Future of Employee Benefits Captives

APEX is not just another insurance captive; it’s a solution designed with the specific needs of larger, more experienced employers in mind. By offering a larger floating layer, exclusive participation criteria, and a community of sophisticated peers, APEX provides a unique and powerful platform for managing employee benefits. Take this APEX overview with you!

At ICS, we are committed to leading the way in employee benefits innovation. APEX is a testament to our dedication to providing our clients with the best tools and solutions to succeed in the ever-evolving landscape of healthcare.

Join us on this journey and discover how APEX can elevate your employee benefits strategy to new heights. For more information on APEX and how your company can benefit from this exclusive captive, contact us today!