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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
If you are wondering how much do life settlement companies pay, the answer depends on several key factors including your age, health condition, policy type, and the size of your death benefit. In general, a life settlement pays more than the cash surrender value but less than the full death benefit. For many policyholders facing …See More
If you are considering a viatical settlement, one of the first things you will want to know is what documents are needed for a viatical settlement and how long it will take to gather them. The good news is that most of the paperwork is straightforward, and in many cases, you already have some of …See More
If you are wondering what happens if you stop paying life insurance premiums, the outcome depends on the type of policy you own, how long premiums have gone unpaid, and whether any options are exercised before the policy lapses. Many policyholders stop paying premiums during illness, retirement, or financial stress without realizing that doing so …See More
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