Pareto Health forms and manages employee benefit group captives that allow employers to reduce costs and increase control over its employee benefit program. We serve as the management team of the group captive, representing the interests of the group. We offer employers with between 50 and 500 employees access to existing group captives and we create new group captives for groups of employers. We assist the group captive choose a policy issuing carrier, negotiate the reinsurance agreement, and underwrite new and renewal members. We work with the employers to develop and execute a multi-year business plan and provide management reports and tools to measure progress of the plan. Since we are not a broker, consultant, or a captive (domicile) management company, we are not conflicted by also representing individual employers as their broker or by also underwriting on behalf of the insurance carrier. Weￃﾢ￢ﾂﾬ￢ﾄﾢre focused only on the performance of the group captive.

Coventry created the secondary market for life insurance. By uniquely bridging insurance and capital markets, we pioneered the life settlement industry and opened a new class of longevity-based assets for institutional investors worldwide. Today, Coventry is a global financial services firm leading the development of a robust longevity market. Our bold ideas, rigorous standards and deep expertise continue to open new opportunities for consumers, professional advisors and institutional investors alike. Based in Philadelphia, Coventry was named the fastest growing privately held company in the Philadelphia region by the annual Philadelphia 100 ranking. The company has been recognized as one of the best places to work in Pennsylvania.