Policy Guidelines/Candidates for Life Settlement:

  • Policy size: $100,000 – $10,000,000 (Larger policies will be considered with increased underwriting scrutiny)
  • Life expectancies: 2yr – 15yr
  • Minimum age: 60 years old with no terminal illnesses
  • A change in insurability since the policy was issued.
  • Policy types: universal life, convertible term, variable universal life, survivorship, whole life
  • Issuer rating: B+ or better Moody’s, S&P, and A.M. Best
  • Licensing: Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Indiana, Iowa, Louisiana, Kansas, Kentucky, Maine, Maryland, Mississippi, Montana, Nebraska, Nevada, New Jersey, North Carolina, Ohio, Oklahoma, Pennsylvania, Tennessee, Texas, Utah, Virginia, Washington, West Virginia
  • Other Eligible States/Jurisdictions: Alabama, Arizona, California, Illinois, Massachusetts, Michigan, Minnesota, Missouri, New Hampshire, New Mexico, New York, Oregon, Rhode Island, South Carolina, South Dakota, Wisconsin, Wyoming, and District of Columbia

Purchase Price Guidelines:

The following factors determine the ability for Q Capital to purchase a policy and the amount of the offer:

  • Premiums required to maintain policy to maturity
  • Current cash values or loans, if any
  • Financial status of insurance company
  • Life actuarial table
  • Current market interest rates
  • Life expectancy and medical history