Labuan captive insurer licence, filed under our own licence.
Single, group, rent-a-captive and protected cell company structures under Labuan FSA. Capital, management and substance designed before filing.
Make an enquiryCaptive insurer licence, structure decides the file.
As applicants approach Labuan FSA captive licensing, the choice between single owner, group, rent-a-captive and protected cell company drives capital, management and substance requirements. A wrong structure call at filing locks the captive into the wrong economics.
QX Trust files captive applications under our own Labuan FSA licence as the recognised party, mapping the right captive structure to the parent group's risk retention objectives before the file is opened.
Your captive file, filed directly by the licensed firm.
QX Trust Co. Ltd is a Labuan Managed Trust Company headquartered in Labuan IBFC. We file applications as the recognised party, not through an intermediary. We serve you in English, Chinese and Malay.
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Labuan FSA licensed
LMT0081
Our Labuan licence
EN + ZH + MS
Language desks
Labuan IBFC
Headquartered
What sits in the Labuan captive file.
Six deliverables prepared and assembled under one channel before submission to Labuan FSA.
Captive structure design
Single owner, group, association, multi-owner, rent-a-captive or PCC structure mapped to the parent group's risk retention objectives.
Underwriting plan and feasibility
Risk schedule, loss data analysis, reinsurance arrangements and three-year financial projections aligned to the capital floor.
Capital evidence
RM300,000 (pure or group) or RM500,000 (rent-a-captive or cell) paid-up capital evidenced through a Labuan-bank account, unimpaired by losses.
Fit-and-proper vetting
Director, principal officer and parent-group shareholder vetting prepared for Labuan FSA prior-approval.
Management arrangements
Operational management office in Labuan, or appointment of a licensed Labuan underwriting manager with captive expertise.
LIIA membership and governance
LIIA membership, AML manual, conduct policies and corporate-governance framework calibrated to captive insurance practice.
Four steps from scope to grant.
One channel, one owner, one timeline across the four phases of a Labuan captive insurer licence application.
Structure and feasibility
Captive structure benchmarked against parent group risk retention objectives. Underwriting feasibility and capital plan tested before drafting begins.
File scope and drafting
Business plan, underwriting plan, constitutional documents, fit-and-proper questionnaires and management arrangements drafted.
Submission and dialogue
File submitted under our Labuan FSA licence. We absorb regulator queries, coordinate director-approval steps and manage LIIA membership.
Licence grant and handover
Approval issued by Labuan FSA. We hand over operating documentation, the annual reporting calendar and a substance-compliance schedule.
Structure, capital and management, one file.
Labuan captives pass or fail on three parallel tests. We coordinate all three under a single Labuan-FSA licensed channel, before the file enters review.
- Captive structure mapped: single, group, multi-owner, rent-a-captive or PCC.
- Capital floor benchmarked: RM300,000 or RM500,000 depending on structure.
- Management arrangements: in-house office or licensed Labuan underwriting manager.
- LIIA membership and director prior-approval steps prepared for Labuan FSA.
Frequently asked.
Direct answers on captive definition, structures, PCC, management and third-party risks.
What is a Labuan captive insurer?
A Labuan captive insurer is an insurance entity established to insure or reinsure the risks of its parent group or affiliated entities. Captives let groups retain underwriting profit, control claims handling, and reduce dependence on commercial insurance markets.
What is the minimum capital for a Labuan captive?
Single owner, group, association and multi-owner captives require RM300,000 paid-up capital unimpaired by losses. Rent-a-captive, master rent-a-captive and cell captives in a protected cell company require RM500,000.
What captive structures are available in Labuan?
Pure or single-owner captives, group captives, association captives, multi-owner captives, master rent-a-captives (MRAC), subsidiary rent-a-captives (SRAC), external rent-a-captives (XRAC) and protected cell companies (PCC) with individual cell captives.
How does a Labuan protected cell company work?
A PCC houses multiple cell captives in a single regulated entity. Each cell holds its own assets and liabilities in a walled-off compartment. Assets in one cell cannot be used to pay another cell's liabilities unless explicitly agreed.
What management does a Labuan captive need?
An operational management office in Labuan with insurance expertise, or appointment of a licensed Labuan underwriting manager. LIIA membership is required for captive insurers; a subsidiary rent-a-captive (SRAC) may instead have its membership represented by its master rent-a-captive (MRAC).
Can a Labuan captive write third-party risks?
A pure captive insures only its parent group. Group and association captives insure their members. Rent-a-captive and cell structures expand the population that may participate, but each cell or participant operates within ring-fenced underwriting scope.
Scoping a Labuan captive insurer licence?
Tell us about your group's risk retention objectives. We map the structure, benchmark the capital, and route the file under our Labuan FSA licence.
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