Red delicious, Jonathon, golden delicious, red empire, your choice here….. How many types of apples exist? You're not going to see this many kinds of apples in the grocery store, but there are 7,500 varieties of apples in existence throughout the world—2,500 of which are grown in the United States. The selection feels overwhelming, so we stick to what we have mostly selected in the past, selecting the type we have always selected, because that’s what we have always done. Whe

The I nsurer is the insurance company. Insurance companies are designed to be profitable. In order to sustain profitability, insurers increase premiums, often with or without increased claims. The Insured is you, the business owner. The insured benefits from the protection or insurance provided. Insurance is big business! Why? Because companies have significant exposures to protect. Some exposures are required by law such as workman’s comp, medical benefits, general lia

Every business, once they reach a certain level of success, profitability , liability , or mass should understand how a Captive insurance company may benefit them. Every business is unique and a Captive Insurance company is not for all businesses. However, for those businesses and business owners who are risk adverse, desire to control insurance expenses more efficiently, and preserve capital, Captive Insurance is not a question of if, but when? What is that level? Historica

Of course it depends … .. For business owners who have over 200 employees OR their business is grossing above $50mm – take note….. There is a dollar amount that may get your attention. In 2026 $100,000 probably won’t move the meter. $500,000 may perk your ear, but probably won’t create any action. How about $1,000,000? Savings? Profit? Either way, it’s worth a conversation at least. It’s real, it requires education, it requires action, it requires change! Is the pain o

We face many risks each and every day of our lives. It seems as though there is insurance for nearly all types of risk, and insurance companies are continually recording record profits providing coverage for these risks. Business owners have additional risks most individuals do not share and the burdens that come with these risks. Insure these risks! Don’t curse the insurance companies, BECOME one! At ALINK Captive Insurance Services , we specialize in risk management: t

Capital preservation , retained earnings, surplus, cash (value). Preserve it, in every way possible: in your savings account, in your business, or your retirement account. Most people are aware of these traditional, important methods to Capital preservation. There are many additional, less- common, yet significantly more powerful methods including cash value of life insurance, deferred compensation, surplus of your insurance company, making an election, and many more.