Q Capital for Investors
Life insurance is personal property that can be bought and sold like any other asset. With $19.6 trillion in-force coverage outstanding , life insurance is a huge asset class with minimal investment penetration.
Investing in life insurance policies offers an investment opportunity with outsized returns for a low risk profile. What distinguishes and investment in life insurance policies – lack of correlation to traditional markets. The real driver of the investment is mortality, not general economic movements. Stocks and bonds can move up and down, big moves or small moves, but trends in mortality move incrementally over long periods of time.
With a certain future payment known at the time of investment, and excellent underlying credit characteristics, life insurance policies offer an attractive investment opportunity.
A life settlement is the sale of an existing life insurance policy to a third-party for more than its cash surrender value but less than its face value.
In a life settlement transaction, a specialty finance company (known as a Provider), on behalf of an investor, purchases a life insurance policy from the current owner-in most states the Provider is regulated by the state insurance department. Over the past five years, over $30 billions of life insurance policies have been sold in life settlement transactions.
Q Life Fund I LP is an independent fund sponsored by Q Capital Holdings LLC with the sole objective of aggregating a diversified, balanced portfolio of life insurance policies. Q Life Fund will purchase these policies through life settlement transactions.
The Fund will rely on the Fund Manager’s expertise to guide the purchasing criteria and investment analysis. The Fund Manager has industry leading experts who know how to buy policies efficiently and effectively and maximize portfolio investment returns. The Fund Manager will be responsible for all operational decisions related to the Fund and will work closely with its partners to continually monitor investment opportunities and Fund performance.
The Fund’s core strategy is to buy and hold policies until maturity, but the Fund Manager will actively manage the investment portfolio and analyze potential trading opportunities.
The general policy characteristics comprise the following:
A fund provides predictable returns by mitigating risks inherent in the life settlement market.
Q Life Fund GP LLC, the General Partner of Q Life Fund I LP
Q Capital Strategies, LLC is a member of
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