Note for DFW Advisors: Be sure to listen to the end for details on our upcoming joint event on April 16th in Plano, Texas, where we will teach you the strategy and storytelling frameworks needed to sell captives effectively.

2025 was a brutal year for health insurance renewals, driven largely by poor risk pricing and the delayed healthcare consequences of 2020. If you are an advisor still relying on spreadsheets to win business in this market, you are playing a losing game. Today’s employers are tired of buying solely on price – they want real value, stability, and transparency.

My guest, David Voorhees, CEO and Founder of True Captive, returns to the show to give a “State of the Union” on the medical captive space.

We discuss why True Captive operates on the belief that “if you’ve seen one captive, you’ve seen one captive,” how they differentiate themselves by putting up collateral for their members, and why individualized cost-containment strategies have allowed them to average sub-double-digit renewals for four consecutive years.

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