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Can I switch captive managers, and how disruptive is it?

Yes, and the process can be seamless: a manager change is a transfer of records and responsibilities, not a rebuild. Your captive keeps its license, its loss history, and its surplus. At Luzern, most transitions complete in 4 weeks, moving through data collection, a strategic review of the program, documentation, and regulatory approval. A dedicated Client Advisor coordinates and executes the process, with a standing weekly call so you always know where things stand. Your team's part is contained: provide the records (policies, agreements, claims, accounting, governance documents) and handle the authorizations, meaning getting board consent, executing new agreements, and disengaging from the current manager.

The transition is also a natural moment to look up. Because the incoming manager reviews everything anyway, the switch doubles as a strategy review, and improvement opportunities that accumulated quietly, trapped capital, stale retentions, unused capacity, tend to surface in it.

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