Viatical Life Settlement Blog operates on a direct-to-consumer platform. Institutional investors are able to look at your policy directly with no broker or middleman. 

Whether you are healthy and trying to sell your term insurance to get the hidden value in cash or whether you’re sick and trying to utilize the value in your insurance policy as a viatical settlement to pay for alternate care, you should always have your policy appraised before trying to sell it. 

It usually only takes a 5-minute phone call to learn if you and your policy qualify for a life settlement or a viatical settlement. Every case is different. Please just give us a call and we’ll try to help you. Platform Process

Our direct-to-consumer platform for viatical settlements and life settlements is simple and easy to understand.

The Platform Process is simple:  need realized, document gathering, policy review, offer, closing documents, and funding.  Follow our viatical life settlement blog for news and changes.

Need Realized 

If you realize you no longer need, want, or can afford your policy, it is a good idea to explore life settlements. Give us a call to determine if you are likely to qualify for a sale.

You can learn if you’re likely to qualify to sell your policy for cash in a short 5-minute phone call. 

Document Gathering 

The platform will automatically gather compliance documents, insurance policy illustrations and your medical information. This information is needed by licensed life insurance buyers in your state to evaluate your policies value and make a cash offer for your life insurance policy.  There is no application and the forms that allow the platform to gather your necessary information for your policy appraisal can be completed on your phone or computer in a matter of minutes.  

Policy Review 

After all pertinent information has been gathered, direct buyers will review and price your policy and specifics to determine if your policy has value as a life settlement or viatical settlement. Assuming your policy has value in the secondary market, licensed buyers can then bid for your policy.


If there was a value in your life insurance policy, and you wish to sell your policy, cash offers will be presented to you. Should you choose to accept an offer, funds will then be escrowed, and your policy will move to the closing stage.

Closing Documents 

After offer acceptance, closing contract documents will be generated by a licensed provider in your state. typically arranges a Notary to assist you with your closing documents from your closing Provider.

Following signature of contract documents, change of ownership documents are submitted to the insurance company.


Once change of ownership and beneficiary has been completed and confirmed by your insurance company, the funds in escrow will be released to you. The institutional fund purchasing your policy is now responsible for all future premiums, even if you retain some of the death benefit for your family.

There is no pressure when selling your life insurance policy direct on the platform. There is no application, fee, or obligation to have your life insurance policy appraised. has been helping consumers for over 15 years and we would be happy to help you.  

Follow our Viatical Life Settlement Blog for news and any changes that may impact your qualification.

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    Patients who receive terminal diagnoses often look for financial assistance and solutions to deal with unexpected, serious financial pressure. Travel, treatment, medications, and keeping up with household expenses can be a daunting task. In this article we will discuss financial assistance and solutions for cancer patients. You’re seated in a blue, soft, upholstered chair in your doctor’s office. Your family is seated in identical chairs right beside you. You look at each other, nervously awaiting the test results, knowing your world may soon change. In these last few moments, before your doctor arrives to deliver the news that will change your …See More
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  • Get Cash for Your Life Insurance Policy
      Did you know that you can get cash for your life insurance policy? Or have you ever wondered, “Can I cash-in life insurance while I am still alive?” Good news – the answer is yes, and there are several ways to get cash for your life insurance policy. If you suffer from a chronic illness, you may be able to borrow against your life insurance policy to assist with medical bills, living expenses, additional care or alternative therapies. This option is called a Life Insurance Advance. A Life Insurance Advance is a loan, and allows you to keep ownership and …See More
  • The History of the Viatical Settlement
    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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    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.
  • Can I Buy Life Insurance Policies from the 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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    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.
  • What are the Costs Associated with Paying for Cancer Treatment?
    Out of pocket costs for the treatment and care of cancer patients can put a tremendous financial strain on both patients and their families. One possible way to relieve that financial pressure of paying for cancer treatments is to consider a viatical settlement in the secondary market for insurance.
  • What is the Secondary Life Insurance Market?
    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.
  • The Viatical Settlement Process Explained
    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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    Read our list of the top reasons for a Viatical Settlement. Caring for a family member who has been diagnosed with a terminal illness can be almost as tough as being the patient with the shortened life expectancy. Viatical settlements may help you cope with the financial demands in such a situation.
  • Are Viatical Settlement Taxes Ordinary Income?
    A viatical settlement gives terminally ill individuals cash in exchange for their life insurance policies. In most cases, viatical settlements, life insurance payments to the terminally ill, are not taxable.
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    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 to a viatical settlement company. The settlement company then makes a cash payment to the owner in exchange for ownership of the insurance policy. When the insured dies, the settlement company receives a return on its investment in the form of the proceeds from the …See More
  • What Does a Viatical Settlement Provider Do?
    If you’re facing a terminal illness and have a life insurance policy that you can no longer afford to make payments on, a viatical settlement provider can offer a solution to your problem. Life Insurance Payout Pros and Cons of a Viatical Settlement Receiving an early death benefit has distinct advantages: To exclude your settlement payment from your taxable income, you’ll need a certification from your doctor confirming that you are expected to live for 24 months or less. The disadvantage of taking an early settlement is that your current beneficiary won’t receive life insurance benefits when you die. The …See More

Types of Life Settlements

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