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C.E. Dean, FICF – Life Settlement Industry Expert
C.E. Dean has decades of experience in the life settlement and life insurance industries. He began his career as a life insurance agent in the 1980s and later served as a Senior Vice President at Foresters Financial, where he trained and managed hundreds of agents and worked closely with policyholders and their families. Throughout his career, he witnessed how many seniors and individuals with serious health conditions were not informed that they had the legal right to sell their life insurance policy. Many let their policies lapse, throwing away tremendous hidden value.
In 2016, he introduced the direct model for life and viatical settlements at the annual Life Insurance Settlement Association (LISA) conference. This model was designed to streamline the settlement process by connecting policyholders directly with licensed buyers. It offered a more transparent, cost-effective way for consumers to explore their options and potentially receive higher payouts while maintaining compliance with industry regulations. The introduction of this model completely transformed the viatical and life settlement industry by streamlining the entire process.
Dean founded Viatical.org to provide educational resources for those considering a viatical or life settlement. After decades in the industry, he saw how life insurance companies often encouraged seniors to lapse or surrender their policies for far less than the policy’s fair market value. He also saw that many agents were prohibited from informing clients that they had the legal right to sell their policy. Viatical.org was created to change that.
The platform helps consumers evaluate whether they qualify and connects them directly with licensed direct buyers, ensuring they maintain full control over the decision to sell. There is never any obligation and policyholders never have to subtract any broker fees from the direct offer they receive.
Many policyholders wonder: can you sell a life insurance policy without cash value? The short answer is yes, in many cases you can. While traditional wisdom suggests that only permanent life insurance with an accumulated cash value can be sold, the secondary market offers solutions for certain term policies and other policies that have little …See More
A serious diagnosis often brings both emotional strain and financial uncertainty. Most policyholders do not realize that a life insurance policy can offer more than just future protection. It may hold hidden value that could provide financial support when it is needed most, but is selling your life insurance policy an option for you? Before …See More
When facing a serious or terminal illness, financial stress can add to an already overwhelming situation. Many people in this position don’t realize that an existing life insurance policy can be sold for a lump sum. Understanding how to get the best viatical settlement is the key to receiving a high payout in the shortest …See More
Managing a long-term health condition often brings ongoing costs that can feel overwhelming. Financing chronic illness involves more than simply paying medical bills, it’s about creating a sustainable plan to cover treatments, medications, supportive care, and everyday living expenses while maintaining as much stability and quality of life as possible. Understanding the available financial tools can …See More
A diagnosis of bile duct cancer can bring emotional, physical, and financial stress, but there may be untapped resources that can help. One of the most overlooked financial options for bile duct cancer patients with life insurance is the ability to access the value of an existing life insurance policy through a viatical settlement or …See More
Patients facing advanced-stage head and neck cancer often experience not only physical and emotional challenges but also significant financial strain. Fortunately, there are viatical options for head and neck cancer that can help ease the burden. Two key options include accelerated death benefits and viatical settlements, both of which allow eligible patients to access funds …See More
A mesothelioma diagnosis often brings overwhelming medical costs, lost income, and urgent financial decisions. Many policyholders don’t realize that life insurance may offer immediate financial help. You may be able to access life insurance funds after a mesothelioma diagnosis through a viatical settlement, allowing you to sell your policy for a lump sum while you’re …See More
A life settlement for term insurance can provide an unexpected source of financial relief. While many people assume that term life insurance policies expire without any value, some can be sold for cash, even if they are nearing the end of their term. If you have a term policy you no longer need or can’t afford, a …See More
A cancer diagnosis can bring not only emotional and physical challenges but also financial uncertainty. When it comes to life insurance and cancer diagnosis, many people don’t realize that an existing policy may offer living benefits through options like an accelerated death benefit or viatical settlement. Accessing Your Policy While Still Living Most people think …See More
Many policyholders want to know, can I sell my life insurance policy without a medical exam? The answer is yes. When you sell a policy through a life settlement or viatical settlement, potential buyers review your existing medical records instead of requiring a new exam. These records provide enough information for buyers to evaluate your …See More
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