The term Life/Viatical settlement refers to the sale to a third party of an existing life insurance policy for more than its cash surrender value but less than its net death benefit.

Who can benefit from the sale of a Life/Viatical settlement?

• Individuals with a current life insurance policy.
• Individuals whose life expectancy is usually not over 120 months.
• Individuals whose policies' face value is more than $250,000.
• Individuals needing a lump sum or partial payments over time.

Why would you want to sell your Life/Viatical Policy?

• Your policy is no longer needed.
• The proceeds from the sale are needed to pay for healthcare costs.
• The premium payments have become unaffordable.
• There is a possibility of lapse or surrender of the policy itself.
• A possible change in estate planning needs.

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