Phil is the Chief Operating Officer of Complete Captive Management Services.  He entered the captive world more In 2010, after his 25 years as a Paramedic actually brought him into this world accidentally.  

Phil was one of the early warriors out there telling the story of Employee Benefits Captives long before they became as popular as they are today.

This episode is Part 1 of a 2-Part miniseries on Captives, and Phil spends a big chunk of this podcast explaining what Captives are, as well as defining a lot of jargon that surrounds this funding mechanism.