universal Risk Planner | universal Insurance

Let us help you

WHAT WE DO FOR YOU

Universal Risk Planner (URP) is a firm of management professionals who specialize in forming and managing Captive insurance companies. URP operates across diverse industries and markets within and outside of the United States. We provide unique, “turnkey” services across multiple financial disciplines and industries that greatly benefit our clients. URP is based in the Dallas-Fort Worth (DFW) area and has a diverse, multinational client base.

TAILORED RISK MANAGEMENT

URP tailors risk management services to each client’s needs.

ALTERNATIVE RISK TRANSACTIONS

URP has extensive experience offering alternative risk financing options.

Captive ACTUARIAL FEASIBILITY

URP establishes feasibility after reviewing a client’s risk profile, current insurance policies and costs.

SELECTION OF DOMICILE

Once the CFS is complete, URP selects the appropriate domicile.

Captive FORMATION

URP sets up the Captive after completing all of the above steps.

Captive MANAGEMENT

URP customizes management services to meet each client’s needs.

Captive INSURANCE PROGRAM

In 2017, the $1.2-million premium limit rose to $2.2 million and was linked to the Consumer Price Index. To make an 831(b) election, an insurance company must meet one of two substitute tests for each year in which it’s taxed under Section 831(b). To meet the first, diversification test, no more than 20 percent of the insurance company’s premiums can come from any one policy holder.

The broad classification of “policy holder” relates to the attribution rules of Sections 267(b) and 707(b) and a modified type of the controlled group rules of Section 1563(a). If one policy holder is associated with another, those policyholders will be treated as one policy holder for this diversification test.

The second test can substitute for the first. It primarily requires that ownership of insured businesses and assets match ownership of the insurance company (within a 2 percent margin).

Address

Open Hours