Member Return Profile

Initial Capital Contribution (~20% of premium)

This capital goes into your Independent Account. It belongs to you, earns investment income, and is returned through distributions and surplus. It is not a fee paid to Bearing Risk or the program. Your equity position grows with each year of premium.

Distributions

As the program grows and builds a larger capital base, member distributions may increase. Profit is returned to participants in proportion to their annual insurance spend. Early years deliberately prioritize capital build and reserve strength while keeping pricing competitive with the market year to year; distributions are measured rather than front-loaded.

Compared with Alternatives

• Versus traditional insurance: You keep the profit from premiums after claims and the investment income.
• Versus a single-company captive: Far lower capital and operational burden while still keeping most of the economic benefit.
• Versus a traditional group captive: Legal segregation of Independent Accounts limits the impact of other members’ results on yours.