Aon Introduces an Employee Benefits Cell Captive Facility

Aon has launched an employee benefits (EB) cell captive facility, providing multinational companies with an alternative risk transfer solution for self-insuring international employee benefits.

According to its 2025 Employee Sentiment Study, Aon found that 72 percent of employees value benefit customization, but only 41 percent have access to personalized options.

Aon said the EB cell captive facility operates through its protected cell company, White Rock, allowing businesses to use a captive structure while reducing operating costs and implementation time.

The facility is designed for multinational companies with international employee benefit programs and an annual benefits spend exceeding $2 million, Aon said.

"Multinational organizations need agile benefits strategies to keep their employees thriving and build a resilient workforce," said Michael Pedel, head of global benefits at Aon. "However, businesses can face difficulties integrating risk management and employee benefits due to historically operating in silos."

"The rising costs of healthcare and employee benefits require businesses to think differently about how they manage risk," added Ciarán Healy, global captive leader for commercial risk solutions at Aon. "This facility provides an efficient and accessible way for organizations to leverage cell captives for employee benefits."