SERVICES WE PROVIDE TO LIFE AND
DISABILITY INSURANCE COMPANIES

For insurance companies, risk management is essential, especially in consideration of the enormous cost of insurance fraud. Stratégik Intelligence Investigations, with clients in the United States and all over Canada, is an ideal partner for any insurance company wishing to improve its risk management because we provide services designed specifically to that end.

But no matter what type of service you request, our main goal is always the same: to carry out a serious and professional investigation according to your directives and with your specific needs in mind in order to provide you with the information and evidence you need to bring down your costs.

We achieve this goal day after day thanks to our team of specialized investigators who not only have years of experience in insurance investigation but are also well known in this field for their concern for customer satisfaction.

Stratégik’s Solutions

In order to fully understand the advantages of doing business with our specialized investigators, consider, for example, all the costs incurred when a policyholder goes on disability leave and receives benefits. You will find among our services many which will help you deal with different aspects of such a case.

In many cases, medical evaluations and meetings with the insured take place. When discrepancies are noted between these different evaluations or between the evaluations and the policyholder’s claims, our investigators can proceed with a surveillance of the insured in order to determine his or her real status of disability. You may also wish to mandate us to proceed with a general investigation after having received information to the effect that a policyholder who is receiving disability benefits is actually quite active and healthy.

Because of our vast experience in the field of insurance, we can easily adapt and tailor our investigation according to any specific situation. In a case such as our earlier example of disability leave, our expertise allows us to help you analyse the most basic element of the case: the insured’s actual level of disability.

As well as investigative techniques perfected over many years, we also use sophisticated communications, video, and photo equipment in order to carry out our investigations according to good practice and to gather evidence when necessary. By doing business with us, you will benefit from this leading-edge technology as well as from our vast experience.

A Description of Our Services

By selecting the titles below, you will gain a deeper appreciation of the various services which Stratégik offers to insurance companies. We invite you to find solutions in this description which will enable you to improve your risk management, thereby lowering your operating costs.

Solvency Investigation
Risk Evaluation
Shadowing-Surveillance
Locate Investigation
General Investigation
Authentication of Life Insurance Claims

Solvency Investigation

Our Solvency Investigation provides you with a financial portrait of the insured or future policyholder, either to mitigate risk or to determine a probable motive for insurance fraud. There are many types of Solvency Investigations, ranging from the most basic (Summary Solvency Investigation) to the most complex (Financial Investigation).

The first step is to verify the information submitted to your company by the insured or future policyholder (date of birth, address, etc.). We then continue with the necessary research in order to determine the general financial situation of the individual or company (legal files, credit references and banking information). At this point, if a more thorough investigation is deemed necessary, information concerning the policyholder’s employment, in the case of an individual, and his or her assets is obtained and confirmed.

The Solvency Investigation is a basic risk management tool and the starting point of all insurance fraud investigations because it provides a summary of the insured or future policyholder’s financial behaviour, which can also be an indicator of his or her integrity.

Risk Evaluation

Again, risk management is of primary importance to all insurers. That is why we have developed a service designed specifically to enable you to get to know your future policyholders before you issue insurance policies. It is a prevention strategy which can be used systematically to avoid the enormous cost of insurance fraud.

Our Risk Evaluation investigation consists of verifying whether the future policyholder engages in illicit activities or has a criminal past. It may also include an evaluation of his or her financial situation.

Shadowing-Surveillance

Our Shadowing-Surveillance investigation is a service which consists of observing a policyholder’s daily activities in order to determine his or her actual level of disability and gathering evidence thereof. This service allows you to make sure that the insured is acting in accordance with the terms and conditions of his or her insurance policy.

The subject’s activities and movements are recorded with highly sophisticated electronic equipment, and our investigators submit a detailed report after each surveillance. In cases where legal procedures are undertaken because of reconsideration or withdrawal of benefits, our expert personnel’s testimony becomes invaluable. Our investigators have an impressive amount of experience as witnesses in criminal and civil courts and in front of review committees.

We wish to point out the fact that all our investigations are carried out in accordance with the Protection of Privacy Regulations and all other privacy laws and that our legal advisors keep us informed of new case law and developments concerning proof requirements in cases involving shadowing and surveillance.

Locate Investigation

Our Locate Investigation is a service which presents many possibilities for an insurer. For example, when you have doubts about a claim or when legal procedures are undertaken, we can find witnesses among the policyholder’s former and current landlords, tenants, spouses, insurers, suppliers, employers, etc.

We can also search for former policyholders in cases of recovery by the insurer and for former owners of vehicles when vehicle backgrounds are necessary. In life insurance cases, you may use our services to locate beneficiaries.

General Investigation

There are, of course, as many specific situations as there are insurance policies. Thanks to our vast experience, we are able to adapt to each and every situation and proceed with an investigation tailored to your specific needs. We are fully capable of solving your problem in the most efficient way possible, always with the prospect of helping you save money.

Our General Investigation can involve any of the strategies developed over the years by our specialized investigators: networks, information analysis, polygraph tests, etc., and it is useful in any case of fraud or other problematic situation.

Authentication of Life Insurance Claims

When doubt arises about the beneficiary of a life insurance policy, this service can save you the cost of legal procedures. Like our General Investigation, this service is tailored to the specifics of each case and can encompass other services as well as various techniques such as our Locate Investigation, a polygraph test, or interviews with neighbours and family members, etc. In short, our investigators will use sound judgment to select the best investigative techniques to ensure the authentication of any doubtful life insurance claim.