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You’re thinking of selling your life insurance policy, but can you sell a policy with an irrevocable beneficiary? In many cases, yes. However, an irrevocable beneficiary has legal rights that can affect whether a life settlement or viatical settlement can move forward. Unlike a revocable beneficiary, an irrevocable beneficiary generally must agree before significant changes …See More
When a life insurance policy is held inside an Irrevocable Life Insurance Trust, most families assume their options are limited to one of two paths: keep paying the premiums or surrender the policy back to the insurance company for whatever the carrier is willing to offer. Neither option tends to sit well with trustees or …See More
Registered Investment Advisors (RIAs) operate under a strict, non-negotiable federal fiduciary standard mandated by the Investment Advisers Act of 1940. This legal framework requires advisors to place their clients’ financial interests above all else, ensuring complete transparency, minimizing transactional conflicts, and seeking the highest possible net yield for a client’s assets. When a senior or …See More
The latest 2025 life settlement market data released by the Life Insurance Settlement Association (LISA) highlights a reality many policyowners still do not realize: surrendering a life insurance policy may not provide the highest available value. According to the newly released report, the average life settlement payout in 2025 was $212,066, compared to an average …See More
Estate planners. Tax attorneys. CPAs. This one is for you. You are in a unique position. You see the whole financial picture – the estate, the trust, the tax exposure, the family dynamics , and you make recommendations accordingly. Life insurance is often part of that picture, and rightfully so. A well-structured permanent life insurance …See More
Typically, the first thing our callers want to know is if their health qualifies them for a viatical settlement. The simple answer to our most common question ‘How sick do I have to be for a viatical settlement?’ is that you must have a life expectancy of less than 2 years. But that simply has …See More
Receiving a notice that your life insurance policy is about to lapse can be stressful, especially if the premiums have become difficult to afford. At that point many people begin searching for answers, including the question: can you sell a life insurance policy that is about to lapse? In many cases, the answer may be …See More
When a policyowner no longer needs coverage or wants to stop paying premiums, a common question arises: can you sell a joint life insurance policy for cash? In some situations, the answer may be yes. Certain joint policies, often called survivor or second-to-die life insurance policies, may qualify for a life settlement, allowing the policyowner …See More
Policyowners often wonder what their options are if they no longer want to keep paying premiums on a life insurance policy. One of the most common questions people ask is what types of life insurance policies can be sold for cash. In many situations, life settlements or a viatical settlement allow a policyholder to sell …See More
An Educational Consumer Guide from Viatical.org The following guide addresses the top 20 questions policyowners ask before selling a life insurance policy. Most people purchase life insurance during a period of responsibility. A growing family. A mortgage. Estate planning. Business protection. The policy represents long-term security for people who depend on you. Premiums are paid …See More
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