What We Do

Advantages of an Enhanced Mutual Form of Insurance Company

Some Potential Advantages Over Traditional Mutual Model:

• Significant Additional Capital and Surplus Generated Internally
• Increases Member Loyalty and Stickiness (Hard to Believe Given
  Historically Very High Mutual Retention Rates)
• Significant Tax Savings
• Directly Aligns Members' Interests with Mutual's Interests
• Gives Members Vested Financial Interest in Mutual
• Increases Ability to Compete Against Large Commercial Carriers
• Fosters Lifetime Relationship with Members
• Counteracts Pricing Pressures of Competitors
• Existing Mutuals Can Utilize Enhanced Mutual Company Model
• Increases Ability to Gain "Next" Generation of Members
• Differentiates You From Competitors
• Cannot Be Duplicated by Publicly Traded Insurance Companies
• Gives Members Vested Interest in Mutual's Success