Why Collateral Sucks (and Other Truths About Captives) with Phil Holowka, COO of Complete Captive (Ep. 22)

Captives are often pitched as the silver bullet for rising healthcare costs, but as Ralph Weber and Phil Holowka reveal, the truth is a lot messier. In this no-fluff episode, Phil, COO of Complete Captive, breaks down the real story behind collateral, risk pooling, and why most brokers are doing their clients zero favors. We dig into: Why collateral in most group captives is a trap How bad structuring leads to massive leakage What a clean, transparent captive should look like How employers can finally take control of claims and cash flow This is a must-listen for CFOs, HR leaders, and advisors tired of opaque promises and bloated renewals. 👉 Book a free consultation with Ralph: https://bit.ly/3T6TUz0 Visit fixmybenefitsnow.comEmail [email protected] (832) 924-3330 Let’s keep pulling back the curtain.