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Do You Know Your Value?

Get your life insurance policy valued as a viatical or life settlement before you do anything! Much stress can be alleviated if you know on the front end what your life insurance policy is worth in the secondary insurance market as a viatical settlement.

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Life Settlement Options

There may be many options available to you such as a senior settlement,  medicaid life settlement or a life insurance advance. You may even opt to retain a portion of your life insurance. Learn the different types and potential uses of life settlements.

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Knowledge is Power

It is best to have some idea of what your life insurance policy is worth before you try to sell it for cash.

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What is a Viatical?

vi·at·i·cal, vīˈatikəl,/
noun
a financial transaction whereby a person with a terminal illness sells their life insurance policy to a third party for less than the face amount of the policy but more than the cash value in the policy

 

A viatical is a transaction where the owner of a life insurance policy who has less than 24 months or less to live sells his interest as the insured to a viatical settlement company. The viatical life settlement company makes a cash payment to the insured in exchange for ownership and beneficiary of the life insurance policy. When the insured dies, the viatical settlement  company receives a return on its investment in the form of the proceeds from the life insurance policy.

Learn about the benefits of viatical settlements and life settlements, and get your policy appraised before you take the next step. Knowing what your policy could be worth as a life insurance settlement gives you an advantage with the next step of the life settlement process.

Life Settlement Broker Or Life Settlement Provider: The Financial Advisor’s Dilemma

5 years ago by viatical
Life Settlement Broker or Life Settlement Provider

  Most Advisors rely on a life settlement broker to assist them in the sale of a life insurance policy, but some Advisors work directly with life insurance providers. Unlike with precious metals, stocks or bonds, there is no centralized exchange for Life Settlements. Every situation is unique because life insurance policies have different provisions, […]

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Florida Life Insurance Law Adds To Life Settlement Regulation

5 years ago by viatical
Florida Governor Signs Florida Life Insurance Law

Life Insurance Companies in Florida can no longer suppress valuable information from Life Insurance policy owners. The Prohibited Insurance Acts Bill, or HB 1007, now forces Life Insurance companies to allow the disclosure of alternative options available to life insurance policy owners who are considering lapsing, surrendering, or canceling their Life Insurance policy.   The […]

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The History of the Viatical Settlement

6 years ago by viatical
Viatical Settlement History

The viatical settlement industry developed in the 1980’s when people around the world started dying from AIDS. The history of viatical settlements can be traced back to a 1911 Supreme Court decision in Grigsby v. Russell that established that a life insurance policy is an asset.






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Terminal Cancer Diagnosis, What Now?

9 years ago by viatical
Terminal cancer diagnosis, what now?

Being diagnosed with terminal cancer is enough to make anyone cry. Once you have had time to come to terms with the reality of the situation, you will face the prospects of expensive treatment and care. If you own a life insurance policy, you may be able to sell it for a lump sum of cash in the secondary market for insurance, and use the money to relieve the financial burden of cancer.






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Can I Buy Life Insurance Policies from the Secondary Market?

9 years ago by viatical
accredited investor buys life insurance secondary market

Buying life insurance policies in the secondary market for insurance is not a suitable investment for most individual investors. Investors should only transact with someone who is licensed in viatical settlements. While the returns can be excellent, life settlements also carry significant risk. Suitable accredited investors include individuals with a high net worth and institutions with strong financial backing.






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How do I Invest in Viatical Settlements?

9 years ago by viatical
viatical settlement investments

Investing in viatical settlements can be a good way for accredited investors to earn solid returns on their money without taking market risk. You should only deal with a licensed vatical settlement company. You must be aware of the risks and the fact that return on investment is not known until the insured passes away.






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What is the Secondary Life Insurance Market?

9 years ago by viatical
Secondary Market for Life Insurance

The secondary market for life insurance exists to connect owners of life insurance policies, who want to sell their policies, with third parties who are interested in purchasing those life insurance policies. If you have a dramatic decline in your health and need money while you are alive, have your policy appraised to see how much you might get by selling it in the secondary life insurance market.






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The Viatical Settlement Process Explained

9 years ago by viatical
Viatical Settlement Process

Understanding the viatical settlement process can help you make the right decision when considering the sale of a life insurance policy that you own. The viatical life insurance settlement process is not any more complicated than the process of buying a life insurance policy.






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What is a Viatical Life Insurance Settlement?

9 years ago by viatical
Viatical Life Insurance Settlement

The simple explanation of what is a viatical life insurance settlement, is a terminally ill patient receives a cash payment for a life insurance policy they own. A more in-depth viatical settlement definition is a transaction where a person who has a life insurance policy and a terminal illness sells his interest as an insured […]

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Learn More About Viaticals and Life Settlements

Viatical Settlement

A viatical settlement involves the sale of your life insurance policy once you have become chronically or terminally ill. Learn More

Life Settlements

If you are over the age of 65 and considering the surrender or lapse of your life insurance policy, you should first get a life insurance settlement quote . Even if you have no cash value in your insurance policy, it may have value as a life settlement . Learn More

Life Insurance Loan

A Life Insurance Loan offers an alternative where you can retain ownership of your policy rather than selling it outright. Often, a life settlement loan will pay a higher amount of cash up front than a life settlement, and you are no longer responsible for the premium payments to the insurance company. Learn More

Medicaid Life Settlements

Before you cancel your life insurance policy to go onto Medicaid in order to pay for long term care, please take the time to see if it qualifies to be converted into a Medicaid Life Settlement . Learn More

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For More Information on Life Settlements

  • Life Settlement Blog
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  • Viatical Settlement
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