In this video, Courtney Boles of Management Services International explains why proactive communication is essential before making changes to a captive insurance program. The discussion emphasizes notifying the captive manager early, as changes made without coordination can create regulatory, financial, and operational risks. Timely communication helps avoid compliance issues and ensures decisions align with the captive's long-term health. The video also highlights the value of collaborative discussions. By explaining the reason for a change—such as accessing funds—captive owners may uncover alternative strategies that better support business needs. The captive manager, along with regulators, serves as a partner in ensuring proper procedures, transparency, and alignment with ethical and regulatory standards. Early dialogue can also clarify requirements for certain adjustments, such as officer changes, helping owners evaluate options and understand impacts before acting.