Services

Servicing

We provide top-notch, turnkey servicing solutions.

We are policy and portfolio servicing experts. Our 16 years of industry experience have led us to help define industry best practices that assure your investment is protected and managed with the utmost care. Deep knowledge and expertise enable us to assist clients with total solutions for all portfolio and policy management needs. But, we do not stop there – we also work closely with you to help you maximize the value of, and return on, your investment.

Policy and Portfolio Management Services

We provide you with a turnkey solution for all of your policy and portfolio management needs, focusing on five key areas: premium calculation and optimization, paying or arranging the payment of premiums, tracking lives, updating medical information, and policy collections. Q Capital utilizes its proprietary QUOTE software platform to provide real-time data and manage precise information processing and fluid data transfer throughout the entire servicing process. Our expertise in combining precise premium optimization with insurance carrier data enables Q Capital to deliver results that maximize our clients’ policy investment performance.

Premium Calculations

Q Capital uses its proprietary pricing system to calculate the minimum required cost of insurance (“COI”) that is needed to keep a policy in-force. We update premium estimates based upon the most recent policy information available – updated in-force illustrations and annual policy statements – and combine that with our in-house expertise on specific policy attributes and performance. The process is continuous to ensure a policy is maintained so as to maximize investment performance.

Premium Payments

We work with you to ensure that premium payments are made timely – either directly by Q Capital or by working with a client’s other service provider who has that responsibility, on behalf of the policy owner. Q Capital also communicates with the insurance companies to confirm that all premium payments have been properly credited to the policy and are reflected timely and accurately in the carrier’s records.

Life Tracking

Through our sophisticated suite of search tools and manual processes, we are able to identify, on a timely basis, when your policy is ready for collection. Since our inception, our life tracking expertise has resulted in an average of eight days to discover a policy maturity from the time such event took place. We work with you to develop the right set of tools and frequency of communications to address your needs.

Updating Medical Information

It is important to make sure that you have updated information available regarding your investment. A key element of this is maintaining current medical records and lists of doctors and medical providers for each policy. By keeping medical information current, you are able to accurately assess the value of your policy and obtain updated life expectancy reports.

Policy Collection

Q Capital works with you to facilitate the collection of policy proceeds upon the policy’s maturity. The policy collection process includes obtaining a death certificate and filing the necessary paperwork with the insurance company. We are experts at working the collections process efficiently to get our clients the return on their investment as quickly as possible.

Quick Fact

Q Capital is currently servicing approximately 600 policies with a face value of more than $1 billion for 11 clients. We have been building our servicing expertise since 2004.

Forbes
LISA
Think Advisor
Business Wire

Backup Servicing

Q Capital has extensive experience monitoring policies and portfolios as a backup servicer for investors, lenders, and other interested parties. As a backup servicer, we have a full suite of services to choose from, including:

Communcations with Carriers

We can provide an additional check point with the insurance companies to verify policy values and/or complete a verbal VOCs and confirm recent premium payments. In most cases, the primary servicer would be performing these activities on a monthly or quarterly basis, but, we can call on a lesser frequency (or at least have the right to call or to join in and monitor the primary servicer’s calls) as a security measure.

Premium Payment Auditing

Q Capital can verify the premium payments through various channels to ensure that policies are being properly credited and are being managed properly by the primary servicer. We can be included as an additional mailing recipient for carrier communications as a second check on billing statements, grace notices, and other items that should be addressed in in a timely manner and alerted to the portfolio owner, lender or other third party.

Data Storage and Replication

Q Capital can be utilized as a backup data storage and file replication resource. Existing backup servicing clients have primary servicers provide the us with monthly data tapes of electronic records stored by the primary servicer – data, documents, mail, copies of carrier communications, etc. – that get uploaded and stored in our QUOTE system. Such a setup is utilized to keep Q Capital ready as a “hot” or “warm” backup option. This provides you, as the portfolio owner, lender, or other interested third-party, an extra level of security, as the primary servicer can be easily replaced in case of an emergency, with minimal interruption.

Life Tracking

Q Capital can audit and review life tracking results and records of the primary servicer. In addition, we can be utilized as a second source of electronic life tracking. Most servicers utilize different methodologies that rely on different data sources and may discover a death in a different time frame.

Mail

We can be used as a secondary location for receiving mail correspondence from the insurance companies. Q Capital would review the carrier communications and confirm that appropriate measures are being followed (grace notices, COI changes, etc.), where applicable.

Illustration/Annual Statement Review

Q Capital can ensure that annual statements are received and review such statements to ensure that policy values and COI are in line with expectations. In addition, Q Capital can review new illustrations that are obtained and enter them into QUOTE.

VOCs

In addition to verbal VOCs, Q Capital, as a backup servicer, could request updated written VOCs on each policy, directly from the carriers at a predetermined frequency to review the policy values and key policy facts.

Collateral Assignments

If needed, Q Capital can process collateral assignment forms for each policy in a collateral pool with the appropriate insurance company and oversee the process of completing such assignments. Filing collateral assignments with the insurance companies in a loan situation is highly recommended. If the primary servicer is utilized for this process, the Company can audit and confirm the completion of the assignments.

I have been using Q Capital services since 2013. I find their level of service to be of the highest standards. I always get timely and accurate reports with precise information I need. The personal attention I get from different staff members is always kind. I highly recommend them for any Life Settlement services.

Daniel B.
Avant Capital

Policy and Portfolio Valuations

We offer independent policy valuation services to investors, individual policy owners, and lenders in the life insurance, life settlement, and premium finance businesses. Q Capital provides in depth analysis as part of its valuation reports, including detailed sensitivity analysis, cohort comparison, and Monte Carlo simulation analytics, enabling our clients to gain a deeper understanding of their policies and how to best understand the factors that affect valuation.

Understanding Policy Value

We have a unique insight into the marketplace for selling and buying life insurance policies, as we are an active daily market player. We take that knowledge of the market to offer our clients a view of current market conditions that can help define the valuation parameters and assumptions. Alternatively, we can use our client’s pre-defined parameters and assumptions to apply to a valuation analysis. Even if there is no intention of selling a policy at the current time, Q Capital provides a viable alternative to understanding the value of a policy or portfolio of policies.

Life Settlement Market Entry Points

Q Capital’s valuation and acquisition business are independent of each other, in order to provide an honest and accurate assessment to its clients. We can make a smooth transition from a valuation project to a sales process. We have an excellent track record of meeting or exceeding our clients’ expectations when running exclusive an exclusive sales process. We know who the buyers and sellers are in the marketplace and maintain active relationships with all market players to create a competitive situation.

Q Capital Strategies has provided independent valuations on policies with a face value in excess of $3 billion.

Helping people enhance their wealth.

Tell us a little about your situation and we’ll help your assess how our servicing capabilities can address your business needs.


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