Reinsurance Captive

Definition of "Reinsurance captive"

Fronted program by the insured acquires a licensed insurance company to issue insurance policies.

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If I want to buy a house and I know the property and the seller already have an agent, can I act as my own agent and negotiate a lower fee? What is a proration? Should I Consolidate My Debt? What is joint tenancy? What is a buydown?