Benefits How It Works Who It's For About FAQ See If You Qualify
⚡ Used by 92% of Fortune 500 Companies

The Wealth-Building Strategy Fortune 500s Use — Now Available to Colorado Small Businesses

Create your own insurance company. Protect your assets. Build real wealth. It's called reinsurance — and it's been the best-kept secret in business for decades.

Warren Buffett built 75% of his wealth through insurance. You don't need to be a billionaire to use the same playbook.

92%
of Fortune 500 companies use reinsurance
$7.1T
global reinsurance industry
40+
years of established insurance law
Colorado
focused since 2024

Four Ways Reinsurance Transforms Your Business

This is a complete risk management and wealth-building system used by the biggest companies on Earth.

💰

Keep Your Premium Dollars

Your business pays insurance premiums to your own company. Those dollars stay in your ecosystem instead of going to a third party. That's money you control.

🏦

Build Your Own "Bank"

Premium dollars accumulate in your reinsurance company. Invest them. Grow them. Access them through lines of credit. You're building a financial fortress.

🛡️

Protect What You've Built

Reinsurance creates a legal shield around your assets. Lawsuits, creditors, economic downturns — your wealth sits in a separate, protected entity.

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Create Generational Wealth

This is a wealth-building vehicle that compounds year after year. Pass it to your kids. Build a legacy.

Four Steps to Your Own Insurance Company

No insurance license needed. No complicated exams. Our team handles the heavy lifting — you just show up and start saving.

1

Learn

Free 15-minute call. We see if reinsurance fits your business. No sales pitch — just a straight conversation.

2

Qualify

Our specialists run actuarial analysis, design your custom plan, and show you the real numbers for your business.

3

Setup

Your own Private Owned Insurance Company gets built — entity formation, IRS compliance, policies, and accounts. 60–90 days.

4

Profit

Premiums flow to your POIC. Invest them. Grow them. Access capital through loans. Wealth compounds year after year.

Is Reinsurance Right for Your Business?

If your Colorado business generates $250K+ in annual revenue, there's a very good chance you qualify.

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Construction & Trades

Electricians, plumbers, GCs, roofers, HVAC. You're already paying massive premiums — why not to yourself?

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Medical Professionals

Dentists, chiropractors, physicians, surgeons. High revenue, high liability, significant uninsured risks — perfect fit.

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Restaurant & Hospitality

Multi-location groups, hotels, event venues. Redirect those big premiums back to you.

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Consultants & Professional Services

IT firms, agencies, law firms, accounting practices. High-margin businesses are ideal candidates.

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Athletes & Entertainers

Current and former pros, broadcasters, entertainers. Smart structures for high-earning years.

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1099 Contractors

High-earning independents, real estate agents, sales pros. Making $250K+ as a 1099? This helps.

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Franchise Owners

Multi-unit operators — fast food, fitness, retail. Multiple locations mean multiple risk exposures.

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Trades & Service Businesses

Landscaping, auto shops, cleaning services. Any trade doing $250K+ with real liability exposure.

🏔️ Denver, Colorado

I'm a Colorado Small Business Owner — Just Like You

I'm Ryan Spilborghs — a Denver-based entrepreneur, broadcaster, and former professional athlete. I run multiple businesses and discovered reinsurance a few years ago through a friend.

As a small business owner, I had no real asset protection strategy and was leaving money on the table. Reinsurance changed that. I now have my own insurance company, a growing pool of wealth I can borrow against, and real protection for risks I didn't even know I had.

I'm not an insurance salesman. I'm a happy customer who believes other Colorado business owners deserve to know about this. When you schedule your free call, I'll personally be there to walk you through how it works and answer your questions — one business owner to another.

"I didn't have a real plan for protecting my assets or building wealth outside my businesses. When I learned that 92% of Fortune 500 companies use reinsurance and nobody had told me about it, I was frustrated. Now I want to make sure other Colorado business owners don't miss out the way I almost did. Schedule a call — I'll be on it personally."
— Ryan "Spilly" Spilborghs, Denver Entrepreneur & Broadcaster

Common Questions

Good questions deserve straight answers. Here are the ones we hear most.

Insurance for insurance companies. Big insurers have used it for centuries. Now small businesses can create their own small insurance company (a POIC — Privately Owned Insurance Company) and use the same structure. Your business pays premiums to your POIC to cover real risks, and the money accumulates in a company you own.
100% yes. Reinsurance is regulated by state insurance departments and backed by established law that's been on the books for decades. 92% of Fortune 500 companies use some form of reinsurance. Bi-partisan legislation was passed to support mid-size American business growth using these structures.
With a normal deduction, you spend money and write it off. The money's gone. With reinsurance, your business pays premiums (deductible) to a company you own. The money isn't gone — it's in your POIC, growing, and accessible to you. You get the deduction AND keep the money.
We generally work with businesses generating $250K or more in annual revenue. Below that, the setup costs don't create enough benefit. The sweet spot is $500K to $5M+, but every situation is different.
Setup costs vary based on complexity, but for qualifying businesses, the financial benefits in year one typically exceed the total setup and administration costs. We'll give you exact numbers during your qualification call.
It depends on your revenue, industry, and risk profile. Your premiums are determined by an independent third-party actuary based on your specific business operations — not industry averages. Those premium dollars accumulate in a company you own, and you can invest them, borrow against them, or use them for claims. We'll give you real numbers on the qualification call.
No. You own the insurance company, but you don't operate it day-to-day. Reinsurance Specialties handles all regulatory compliance, actuarial work, policy management, and reporting. You focus on running your business.
Invest in stocks, bonds, real estate, and other assets. Access capital through lines of credit from your POIC. Over time, this becomes a significant pool of wealth that compounds year after year.
Real business risks that are often underinsured — loss of a key employee, supply chain disruption, cyber liability, regulatory changes, reputation damage, or natural disaster business interruption. An actuarial analysis identifies the genuine risks your business faces.
The IRS has clear guidelines and courts have upheld them repeatedly. The key is doing it correctly — real actuarial analysis, real risk transfer, real claims processes, and proper documentation. That's why we work with Reinsurance Specialties, one of the most experienced administrators in the industry.
Typically 60–90 days from decision to go-live. That includes entity formation, actuarial analysis, policy creation, regulatory filings, and account setup. Once running, it largely operates in the background with annual reviews.
Ryan is a Denver-based entrepreneur and broadcaster who personally uses reinsurance. He's not an insurance agent or salesman — he's a happy customer. After seeing the real impact on his own asset protection and wealth-building, he wanted to help other Colorado small business owners access the same strategy. When you schedule a qualification call, Ryan will be on it to walk you through his own experience and answer questions — one business owner to another. Think of him as the friend who tells you about the best accountant in town — except this is way bigger than accounting.

See If Your Business Qualifies

Free qualification assessment. Takes 60 seconds. No obligation.

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🔒 Your information is confidential and never shared ⏱️ Free 15-minute qualification call ✅ No obligation — just a conversation

You're In — We'll Be in Touch Soon

Thanks, there. One of our reinsurance specialists will call you during your preferred time to walk through your qualification.

Schedule a Call

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