Q Capital Strategies

What Q Capital Strategies does

Q Capital Strategies, LLC is a New York-headquartered life settlement services firm founded in 2004 by Steven Shapiro. The company operates across three offices (New York, Boca Raton, and San Diego) with approximately 20 employees, and serves a dual-sided market: institutional investors seeking exposure to life insurance policies as an alternative asset class, and senior policyholders (typically aged 60+) seeking to monetize unwanted or unaffordable life insurance policies for cash above the cash surrender value.

The firm's core service lines are purchasing (life settlement transactions across secondary and tertiary markets), servicing (ongoing policy and portfolio management for institutional clients), and advising (valuation, due diligence, and buy-side/sell-side advisory). The technological backbone is the proprietary QUOTE software platform, an in-house system that handles the entire workflow from origination, underwriting, and pricing through closing, premium optimization, life tracking, and reporting. QUOTE integrates with insurance carrier data sources and is offered exclusively to the firm's partners, supporting what the company describes as an "industry-leading" technology capability.

Q Capital is licensed as a life/viatical settlement provider in 32 states and purchases policies in 46 states plus the District of Columbia. Revenue is generated through three streams: transaction-based spreads on policy purchases, recurring managed-services fees on a servicing book of approximately 600 policies (more than $1 billion in face value) for 11 institutional clients, and professional services fees from advisory engagements where the firm has provided independent valuations on policies exceeding $3 billion in face value. The firm sponsors Q Life Fund I LP, an investment vehicle managed by wholly owned subsidiary Q Fund Management LLC targeting 10-12% net annual returns, and offers a Senior Care Benefit Plan product. Distribution is hybrid: institutional relationships are direct, while policyholder origination flows through a broker/advisor network and direct marketing. CEO Steven Shapiro currently chairs the Life Insurance Settlement Association (LISA), the industry's largest trade body.

Name

Q Capital Strategies

Legal name

Q Capital Strategies, LLC

Website

https://qcapital.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Q Capital Strategies is a New York-headquartered life settlement firm founded in 2004 that purchases, services, and provides advisory on life insurance policies for senior policyholders and institutional investors, operating across 46 states plus DC with ~20 employees and a proprietary QUOTE technology platform.

Ownership category

akta.pro rank

Product category

Life Settlement Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Investment Advice (6282), Life Insurance (6311)

akta.pro primary industry

Institutional Capital Introduction (LP/Family Office/Endowment Matching) (FSAEALAI)

akta.pro secondary industry

Fairness Opinions & Independent Board Advice (FSAEAGAF)

Keywords

• Life settlement services
• Life insurance portfolios
• Policy servicing
• Insurance advisory
• Policy purchasing

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Policy Purchasing: Q Capital purchases life insurance policies from policy holders at prices greater than cash surrender value but less than face value, then either holds for investment or facilitates transactions for institutional investors. Revenue generated through the spread between purchase price and eventual policy proceeds.
2. Servicing Fees: Ongoing policy and portfolio management services including premium calculations, payments, life tracking, medical updates, and policy collections. Currently servicing approximately 600 policies for 11 clients.
3. Advisory Services: Consulting and advisory services including policy and portfolio valuation, sell-side and buy-side advisory, due diligence, premium optimization analysis, portfolio sourcing, and regulatory environment review. Q Capital has provided independent valuations on policies with face value in excess of $3 billion.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Q Capital Strategies purchases life insurance policies in the secondary and tertiary markets from policy holders at multiples of cash surrender value, then either holds the policies for investment or facilitates transactions for institutional investors. The company also provides ongoing policy and portfolio servicing (currently approximately 600 policies for 11 clients) and advisory services including valuations (over $3 billion in face value valued to date), due diligence, and premium optimization analysis. Operations are supported by the proprietary QUOTE software platform covering origination, closing, servicing, and portfolio management.

Product overview

Q Capital Strategies operates as a life settlement service provider offering three core services: Purchasing (buying life insurance policies in the secondary and tertiary markets), Servicing (policy and portfolio management), and Advising (consulting and advisory for investors). The company's proprietary QUOTE software platform serves as the technological backbone for all operations, enabling case processing, pricing analysis, and policy management. Additional offerings include the Senior Care Benefit Plan for long-term care financing and Q Life Fund I LP for institutional investors seeking exposure to life settlement portfolios.

Differentiator

Problem solved

Functional benefit

Brands

• Q Life Settlements: A specialty finance firm focused on helping clients unlock value from their life insurance policies through life settlements, serving as a trusted intermediary between policyholders and institutional buyers.
• Q Life Fund I LP

Products and services

• Advising Services Advisory services including policy and portfolio valuation, sell-side and buy-side advisory, due diligence services, premium optimization analysis, and regulatory environment review for life settlement transactions, offered to private equity firms, closed-ended fund managers, and other investors.
• Servicing Services Policy and portfolio servicing including premium calculations and optimization, premium payments, life tracking, medical information updates, and policy collection services, currently servicing approximately 600 policies with face value of more than $1 billion for 11 institutional clients.
• Purchasing Services Life settlement purchasing services providing access to secondary and tertiary market policy flow, policy valuation analysis, policy closing services, proprietary deal flow, and anti-fraud due diligence review, purchasing policies with face values from $50,000 to $50,000,000.
• Senior Care Benefit Plan A benefit plan providing monthly adjustable payments to help seniors pay for long-term care costs including home care, independent living, assisted living, memory care, and skilled nursing care.
• Q Life Fund I LP An independent fund sponsored by Q Capital Holdings LLC that aggregates a diversified, balanced portfolio of life insurance policies purchased through life settlement transactions, targeting a net return of 10%-12% per annum for institutional investors.

Named customers8 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core, minor and flagship.

• Q Life Fund I LPcoreStrategic or Co-development PartnerQ 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. The fund purchases policies through life settlement transactions with target net return of 10%-12% per annum.
• Q Fund Management LLCcoreStrategic or Co-development PartnerFund Manager for Q Life Fund I LP, responsible for all operational decisions, guiding purchasing criteria, investment analysis, and working with partners to monitor investment opportunities and fund performance.
• Life Settlement Solutions (LSS)minorChannel Partner/ Reseller/ DistributorSister company operating in California and Georgia where Q Capital uses LSS for licensing purposes to purchase policies through its sister company's license.
• Life Insurance Settlement Association (LISA)flagshipStrategic or Co-development PartnerIndustry trade association for life settlements. President and CEO Steven Shapiro serves as Chair of the Board of Directors. Q Capital actively participates in regulatory and legislative matters through LISA.
• Escrow AgentsminorOthersFinancial institutions that serve as independent escrow agents holding funds during life settlement transactions until closing documents are processed and ownership changes are confirmed.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• GWG Holdings: Public/Benito vehicle historically operating a large life insurance portfolio and life settlement business at scale; provides reference point for the asset class at materially higher AUM than Q Capital.

Direct peers

• Coventry Capital: Specialty finance firm focused on structured settlements and life settlements, providing policy purchasing and portfolio servicing; competes for similar institutional and policyholder deal flow.
• Fasano Group / Fasano Life Settlements: Independent life settlement broker and provider running the Fasano Annual Life Settlement Conference; competes for both policyholder origination and institutional mandates comparable to Q Capital.
• Oxford Life Settlement: Licensed life settlement provider purchasing policies on behalf of institutional investors; comparable in scale and focus to Q Capital's purchasing and institutional advisory business.
• Magna Life Settlements: Independent life settlement provider purchasing policies directly from seniors and distributing to institutional investors; competes head-to-head with Q Capital for origination and institutional mandates.
• Life Funding Options: National life settlement provider offering policy acquisition, valuation and funding services to policyholders and institutional buyers; directly comparable business model to Q Capital.
• Settlement Advisors: Independent life settlement advisory firm offering buy-side, sell-side and valuation services to institutional clients; direct competitor in the advisory leg of Q Capital's business.
• Lifepoint Financial Group: Specialized life settlement and portfolio advisory firm providing buying, selling, and servicing services to institutional clients and seniors; offers the same core functions as Q Capital.
• LifeCare Funding: Life settlement company helping seniors convert unwanted life insurance policies into long-term care funding; overlaps with Q Capital's policyholder-facing origination channel and Senior Care Benefit Plan.
• Fifth Season Financial: National life settlement provider offering policy acquisition, funding and institutional services; identified as an active buyer that partners with Q Capital and competes in the same origination market.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/qcap
• LinkedInlinkedin.com/company/q-capital-strategies

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Q Capital Strategies