Everlong Captive, Captive Health Insurance separates itself from the rest of the Captive Health Insurance world with its benefits and opportunities, said Doug Truax, its founder and CEO.

"One way Everlong provides real differentiation and quality is through our stability," Truax said. "Not all stability is equal. Everlong's six year average on their stop-loss renewal is 3.1%. You factor in the dividends that Everlong gives back to their clients and the rate is on a -6% trend line."

Another way Everlong separates itself from the rest of the Captive providers is that it is completely  transparent, Truax said. Everybody knows how they are going to get their captive and how their captive works. Sometimes employers have no idea how their captive is run or how to yield dividends.

The third way Everlong is different and better than other captives is, "We're not property casualty people, we're all employee benefit brokers," Truax said. "This means we understand the space quite well."

Truax entered the captive space after working in the brokerage space.

Everlong is fully independent, owned by Truax. Being independent is more stable when compared to a Captive company owned by private equity, he said.