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Families caring for someone with advanced dementia face overwhelming challenges – emotionally, physically, and financially. Accessing cash from life insurance with advanced dementia is one option that can help relieve some of the financial burden. Through a viatical settlement, policyholders can sell an existing life insurance policy in exchange for a lump-sum cash payment. This …See More
If you or a loved one has been diagnosed with a terminal illness, it is important to understand every financial option available. One of the most overlooked resources is your life insurance policy. You may be wondering how to get a life insurance policy valuation if you’re terminal. This process can help you discover whether …See More
A liver cancer diagnosis can change many aspects of your life, including your financial situation. Health insurance doesn’t always cover all costs especially those associated with alternative therapies or daily living expenses. You may be wondering: Can you sell your life insurance policy after a liver cancer diagnosis? In many cases, the answer is yes …See More
Why cancer patients are turning to viatical settlements has a lot to do with the overwhelming financial strain that comes with a cancer diagnosis. Cancer treatment is often expensive, and patients may face mounting medical bills, loss of income, and other financial challenges. A viatical settlement provides an option for cancer patients to sell their …See More
If you’ve been diagnosed with a terminal illness and have an active life insurance policy, you may be wondering: Who qualifies for a viatical settlement in 2025? This option, which allows individuals to sell their life insurance policy to a viatical settlement buyer for a lump-sum cash payment, continues to provide a critical financial lifeline …See More
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, costs …See More
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 …See More
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.
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.
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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