If you’re looking to get enhanced cash value from your universal life insurance, you may be able to unlock significantly more than your policy’s surrender value—especially if you qualify to sell all or even a portion of your life insurance policy for cash, now while you are still alive. This financial option allows you to …See More
Stop Paying for Life Insurance You Don’t Need
If you’re still paying monthly or annual premiums for a policy that no longer serves your needs, you’re not alone—and you’re not stuck. It may be time to stop paying for life insurance you don’t need. Whether your original reasons for purchasing the policy have changed or your financial priorities have shifted, there are smarter …See More
Why Your Insurance Company Might Not Tell You About Life Settlements
If you’ve ever wondered why your insurance company didn’t mention the option to sell your life insurance policy, you’re not alone. Why your insurance company might not tell you about life settlements comes down to one simple fact: it’s not in their financial interest to do so. Life settlements offer policyholders a way to receive …See More
Selling a Premium Financed Life Insurance Policy for Cash
Many individuals and businesses use premium financing to fund large life insurance policies. While this strategy can provide financial flexibility, it may also lead to challenges if the policyholder can no longer afford loan payments or the policy is no longer needed. In such cases, a premium finance rescue, selling a premium financed policy for …See More
How to Find the Best Offer When Selling Your Life Insurance
If you’re looking to sell your life insurance policy, your goal is simple: get the highest payout possible while working with a reputable, licensed buyer. But the life settlement market can be confusing, and not all buyers offer the same price. Some brokers take hefty commissions and knowing how to find the best offer when …See More
The Role of AI in Life Settlement Valuations
The role of AI in life settlement valuations is transforming how policies are assessed, priced, and transacted within the viatical and life settlements markets. Traditionally, underwriting and policy valuation relied on manual assessments, actuarial tables, and extensive human-driven analysis. Today, artificial intelligence (AI) and machine learning are streamlining these processes, leading to faster, more accurate, and …See More
Is Selling Your Life Insurance Legal?
Is selling your life insurance legal? Yes, selling a life insurance policy is entirely legal and has been upheld by U.S. courts for over a century. The right to sell your policy for cash, known as a life settlement or viatical settlement, originates from a landmark legal decision that established life insurance as personal property, …See More
How to Sell a Life Policy Quickly
If you’re wondering how to sell a life policy quickly, Viatical.org offers a streamlined, direct-to-consumer platform that can help you turn your life insurance into cash faster than traditional methods. By removing brokers and middlemen, our process connects you directly with institutional buyers, significantly reducing delays and ensuring a smoother transaction. Step 1: Determine If …See More
Life Settlements for Rare Conditions
Life settlements for rare conditions can provide financial relief for individuals facing unique and challenging medical circumstances. While most people associate life settlements with common terminal illnesses like cancer or heart disease, those living with rare conditions may also qualify for this option. Understanding the criteria for eligibility and how rare conditions are evaluated in …See More
How Preexisting Conditions Affect Life Settlement Offers
When considering selling your life insurance policy, it’s important to understand how preexisting conditions affect life settlement offers. These conditions can significantly influence the value of your policy and the offers you receive from potential buyers. Interestingly, the role of health in the life settlement market is the opposite of its role when applying for …See More