By Lars Powell, PhD

When government and commerce collide, it can leave behind sticky residue that economists call inefficiency. Decades of academic studies pose theories and parse terabytes of data to determine why this happens and how much it costs. The insurance industry stands out in the economic literature as a frequent loser among regulated sectors.

Continue reading →

Physicians have a retirement planning vehicle available to them that few are aware of, the Roth IRA Conversion. The
principal difference between Roth IRAs and traditional IRAs is that, you don’t receive a tax deduction for making a contribution to a Roth IRA, but those contributions grow tax free and you don’t have to pay any tax upon withdrawal.

Continue reading →

A message from your CEO, Corey Little

WHEN I FIRST STARTED meeting with Arkansas physicians and insurance experts about the formation of an Arkansas medical malpractice insurance company, Houston Nutt and Stan Heath were Razorback coaches. It was 2007 and Razorback fans were not happy. Neither were the Arkansas doctors that I visited with. These doctors were irritated by being abandoned by St. Paul and unhappy with St. Paul’s decision to leave the med-mal market. They realized that as long as they were with an out-of-state company they would not be able to control such events. Just like with the Hogs,
it was time for a change.

Continue reading →