Michael Lusk
Corporate Vice President
Insurance and Risk Management
Archer Daniels Midland Company
As printed in Risk & Insurance, April 15, 2004

'The regulators have always been extremely helpful in trying to accomplish our goals, whether it happened to be employee benefits or another type of coverage. That's very important. It doesn't mean they will roll over. It means they will help you. They will tell you what the issues are, what the problems are. They'll try to help you overcome objections. They help you through the process. They're very, very helpful people.'


Roger Teese
President & Chief Executive Officer
SB&T Captive Management
As printed in Business Insurance, March 15, 2004

'You don't need to worry about the domicile. You can think more about the program.'


Julie Boucher
Managing Director
Marsh Management Services
As printed in Business Insurance, March 15, 2004

Marsh's Ms. Boucher credits Vermont's ongoing success with '...the track record that it has with 20-plus years of experience and the regulatory team of Len Crouse and his department.' Other states may be 'jumping on the bandwagon,' she said, but in Vermont, 'they're here, they have the experience. There's no question.'


Andrew Sargeant
President
USA Risk Group
As printed in Business Insurance, March 15, 2004

'It still comes down to infrastructure. And the guys down the road, Len and them, they're the best. We, as managers, know what to expect. That's what you can't buy or get too quickly in these other domiciles. It comes with experience.'


Nancy Gray
Managing Director
Aon Insurance Managers
As printed in Business Insurance, March 15, 2004

'I think, when clients make a decision to form a captive onshore, they automatically think of Vermont. If a company decides to go to another domicile, there are other factors that draw it to another domicile, and it's after first considering Vermont.'

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