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LifeCare Risk Retention Groups

LifeCare owns 2 group insurance captives. More info below.

Risk Retention Groups (RRGs) are liability insurance companies owned by its members. They allow business with similar insurance needs to pool their risks and form an insurance company operated under federal and state guidelines. By doing this, it allows companies to increase their control over their insurance program, and hence reduce costs.



Started in 2021, LAIE is a joint venture between certain hospitals in Oklahoma, organized to collaborate and share expenses; and expertise to create a captive insurance company for property insurance coverage.

 LAIE is a young captive but will continue to grow and strengthen as it matures.  We are currently interested in geographic diversity through the addition of new property subscribers.

Contact us with interest or questions.

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Tecumseh Health Reciprocal Risk Retention Group has been in operation for over 20 years and has established a strong reputation in the medical malpractice insurance industry. LifeCare members started this RRG in 2003 as Heartland RRG; in 2017 it merged with Indiana Healthcare Reciprocal RRG becoming the company that it is today.


Tecumseh Health RRG provides insurance to hospitals and medical centers in Oklahoma and Indiana. This group self manages risk and returns premiums to subscribers annually. The company’s longevity speaks to its ability to adapt to changing market conditions and consistently meet the needs of its policyholders.

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