Insurance Banter with Burand & Borup · 2026-04-27 · 19 min
Episode Summary: Chris and Paul are joined by Jerry Messick of Unity Captive to explore the realities of captive insurance - beyond the polished sales pitches. They break down when captives are a powerful tool for risk management and profitability - and when they can lead to serious financial and regulatory trouble. Captive insurance is often sold as a silver bullet - but is it a smart risk strategy or a ticking time bomb? In this episode, we cut through the hype and unpack what actually makes captives work… and what causes them to fail. From IRS scrutiny to due diligence mistakes, this conversation highlights the difference between using captives strategically versus chasing tax-driven schemes. If you’ve ever considered a captive (or advise clients who have), this episode offers a grounded, experience-driven perspective you won’t hear in most presentations.
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