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
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
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
Authentication of Life Insurance Claims
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.
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.
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.
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,
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
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
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.