About Us 

Everlong facilitates the formation of and ongoing operation of high performance health insurance captives for Employer owners and their Brokers willing to buck the current system.

Our health insurance captive programs provide innovative brokers and employers industry leading high performance and stability.

Employers who are member-owners of the Everlong Captive take the profits that health insurance carriers make and pay that money back to themselves with an innovative insurance and funding solution. Members also reduce long-term claims costs through sophisticated initiatives to improve employee health.

Form Follows Function

What We Believe

The captive structure directly impacts its ability to manage risk and deliver a potential return. 

A well-structured captive is designed to respond quickly and effectively to the ever changing realities within the market. 

The result is maximum stability in premium costs and optimal performance in claims.

It is within this framework that we have formed our captives to follow high performance function.

High Performance Captives + Culture

Everlong’s founders were innovative benefits brokers that have reimagined and redesigned employer-based healthcare by building high performance health insurance captives that actually break with tradition. 

“We built this product and this system specifically for the courageous broker and the courageous employer that is willing to buck the current system.” – Doug Truax, Founder and CEO



(630) 869-5365

153 Fort Wade Rd
Suite 200
Ponte Vedra, FL 32081


(630) 248-8005

Partnership Every Step of The Way

Everlong LEAP ™

Fast track your success. Take the leap with the employer-owner groups already in. Learn, share, and improve together.

Everlong ELEVATE ™

Our Owner Experience team works with our broker partners and employers to continuously elevate what’s possible. Our work never stops.

Everlong ENGAGE ™

Timely emails designed to increase engagement and provide ongoing high performance captive cell education.

The Everlong Difference

Leverage + Stability = Premium Return

Not all “stability” is equal. Our average stop loss since inception remains single digits. Provide your clients with a better way to purchase group health insurance today.

Operational Differences That Yield Results

Is your program manager focused on just the stop loss financials and ignoring claims management? All our captive owner-members are encouraged and supported to improve their claims situations.

Full Passthrough Transparency

Is your captive manager not talking to you about dividends because they are giving your dividends to other employers that don’t manage their claims?

Independent, Unconflicted, Ethical Solution

Are you working with an independent, non-private equity owned captive manager that works with multiple fronting carriers, or are you working directly with fronting carriers masquerading as a captive program manager? 

Fee-Based PEPM, Not Premium Profiting

Is your program manager managing your risk or are they managing their compensation? Traditional compensation models have misaligned incentives built in. Different motivations yield different results.

What Protection For Everybody Should Look Like

There is a 58% chance a 200-life group will incur a very expensive organ transplant claim within 5 years. That’s why many of our captive owner-members carry organ transplant coverage. Do you have that same opportunity?

The Captive Layer Made Better

We’re all fighting a war against increasing medical costs. We take the current captive model used in the business liability world, modify its structure and improve its performance, enabling us to turn back the tide of ever-increasing insurance costs caused by lack of control and transparency.

Our Client Stories


“Our subsidiary Presidents love this, the CFOs love this because they don’t have to worry about renewals, they don’t have to worry about the costs, they know exactly what it’s going to be, and we’re able to manage our costs.”

– Terrie Ames 

Benefits & Wellness Administrator, M-L Holdings


“Everlong continues to impress our team and our members with their full transparency and strategic recommendations, so the captive members (the actual owners) are in control, yet have someone else doing the heavy lifting for them.”

– Broker Partner


“Making a move from a fully-insured program to a self-funded captive model can be overwhelming for clients. Working with the Everlong team, I was very impressed with the level of detail and simplification they provided throughout the transition process.”

– Broker Partner

Thought Leadership

Specific Stop Loss: How It Works

Specific Stop Loss: How It Works

HOW IT WORKS Specific Stop Loss (or Individual Stop Loss): The Stop Loss Carrier and the Owner will agree to a threshold where once an individual member’s claims exceed that amount, the Stop Loss Carrier will assume responsibility for claims paid for services incurred...

Getting the Product Right Is More Than Innovation

Getting the Product Right Is More Than Innovation

Getting the product right builds trust between you and the consumer. But what exactly does it mean to get the product right? With varied industries throughout the United States, is the “right” product available in a one-size-fits-all solution? Perhaps not in the way...

Partner With Everlong

Our purpose-built high performance health insurance captives are leading the way for employers to purchase group health insurance, control plan costs, and improve employee health through innovation solutions.