Premium Optimization Analysis
Q Capital analyzes all available insurance policy information (in-force illustrations, policy contract, annual statements, etc.) to calculate the optimal premium payments for a policy. 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. Q Capital updates premium estimates based upon the most recent policy information available. The process can be performed continuously to ensure a policy is maintained as efficiently as possible. The premium optimization tool ensures that a client can maximize its investment in a policy by streamlining the cash flows of a policy.
Premium optimization is included in policy and portfolio valuation services but can also be offered separately on individual policies or a portfolio of policies.