At Andres O’Neil & Lowe, we know how challenging it can be to balance the rising cost of health care with the need to provide meaningful benefits to your employees. That’s why we’re proud to offer Cork Captive—a member-owned benefits group that empowers small to mid-sized employers to take advantage of self-funding strategies once reserved for large corporations.
With Cork Captive, you gain more control, greater savings, and long-term stability for your benefits plan. Whether your business is in Bryan, Archbold, Hicksville, Wauseon, Defiance, or another community across the Midwest, our team is here to guide you every step of the way.
What Makes Cork Captive Different?
Cork Captive isn’t just another insurance plan—it’s a smarter, collaborative way to manage employee benefits. By joining forces with other like-minded employers, you can:
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Unlock financial predictability through shared risk and pooled resources
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Customize your plan to fit your workforce, instead of settling for a one-size-fits-all solution
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Build long-term sustainability, keeping benefits strong and costs manageable year after year
In short, Cork Captive gives you the power of scale—helping smaller employers access the same advantages that big corporations enjoy.
Why Partner with Andres O’Neil & Lowe?
When you choose Cork Captive through Andres O’Neil & Lowe, you don’t just get access to an innovative program—you get a trusted partner with over 100 years of employee benefits experience serving businesses just like yours.
Our Employee Benefits team takes the time to:
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Understand your company’s goals, budget, and workforce needs
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Walk you through the details of how Cork Captive works
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Partner with you to build a plan that’s both cost-effective and employee-focused
No matter where you’re located, we’re committed to providing local insight, responsive service, and hands-on support so you can move forward with confidence.
Let’s Build a Better Benefits Plan Together
Don’t let unpredictable health care costs hold back your business. With Cork Captive, you can gain stability, savings, and control—while giving your employees the benefits they deserve.
Here’s how to get started:
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Reach out to our team for a personalized consultation.
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Learn how Cork Captive works and whether it’s the right fit for your business.
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Start building a smarter plan that protects your team and your bottom line.
Your employees deserve strong benefits. Your business deserves peace of mind. Schedule a consultation with Andres O’Neil & Lowe today by giving us a call at 800-636-0983, visiting one of our local offices, or connecting online. It’s time you discover the Cork Captive advantage.
