Premiums

Once policies are issued, the next phase in the captive lifecycle is funding the program through premiums. These are payments made by the insured entities to the captive in exchange for the coverage provided. 

At VNAS, we work actuaries and your internal teams to determine premium levels that are fair, defensible, and aligned with both your risk profile and regulatory standards. We ensure premiums are properly calculated, not inflated by the commercial market, but based on your actual exposures, historical data, and projected losses.

Our premium process includes:

• Actuarially supported pricing that reflects real risk
• Allocation methodologies across multiple entities or locations
• Clear documentation for regulatory and audit purposes
• Flexibility to adapt to changes in business operations or coverage needs

We also coordinate with your accounting and treasury teams to manage premium payments, track funding schedules, and ensure that all premiums are received and recorded in accordance with domicile requirements. 

At VNAS, we understand that premiums are more than a transaction, they are the financial engine of your captive. Our role is to ensure they are structured strategically, managed responsibly, and used effectively to fund your long-term risk strategy.