Alternative Risk Transfer (ART) Feasibility Calculator
Evaluate group captive viability in real time. Simulate underwriting returns, model Bank Letter of Credit (LOC) replacement savings, and qualify for formation milestone gates.
Risk Pool Parameters
Step 1 of 5: Feasibility GateHigh-Yield Captive Candidate
Based on 28 members pooling $1,260,000 annual premium at 42% historical loss ratio.
CaptiveStack replaces trapped bank Letters of Credit with member standby capital pledges and subordinated surplus notes yielding 6.5% interest back to members.
5-Year Projected Member Underwriting Return
Gated Formation Milestones • Readiness Audit
Deterministic gates required by captive insurance domiciles (Vermont, Delaware, Cayman, Bermuda).
Fit score 81/100 exceeds 70-point minimum threshold.
Deploy 11-step exposure survey & collect loss run PDFs via R2.
Independent actuary certifies binomial/Poisson loss distributions.
Lock standby capital pledges & surplus notes to replace LOC.
Execute reinsurance treaties and issue master association policies.
Historical Feasibility Submissions in D1 Database
Querying table feasibility_assessments directly from Cloudflare D1 SQLite.
| Entity | Annual Premium | 5-Yr Losses | Loss Ratio | Fit Score | Status |
|---|---|---|---|---|---|
Production Deployed Captive Test deployed@captivestack.pages.dev | $2,000,000 | $2,500,000 | 25.0% | 91 / 100 | Approved |
Sports & Entertainment Trade Group pilot@eagle1coverage.com | $1,850,000 | $620,000 | 33.5% | 94 / 100 | Approved |
Mid-Market Automotive Glass Contractors admin@glassco.org | $4,200,000 | $2,400,000 | 57.1% | 88 / 100 | UnderReview |