How does American Life Fund support its clients?

Empathy and personalized attention are core values at American Life Fund. Dedicated counselors are available to address client concerns, with particular focus on clients facing cancer.

How transparent is American Life Fund with its clients?

American Life Fund works directly with clients, eliminating third-party fees so the policyholder receives a higher payout, and ensures clients understand their policy's value throughout the process.

Sell your life insurance for cash.

We help cancer and ALS patients sell their life insurance policy for cash.

Trusted by 10,000+ families

See if your policy qualifies!

Step 1 of 3

Please indicate the current stage of the condition or cancer diagnosis:

What is your diagnosis?

Please select your diagnosis

What’s your existing life insurance policy amount?

Reviewing your policy details…

Life settlements as seen in

Can you sell your life insurance policy?

You may qualify if the following apply:

$100,000 Policy or more

You have a life-threatening illness.

If you have a serious health diagnosis such as Cancer, ALS, or Alzheimer’s, you can sell your policy for cash.

I am now able to enjoy my time with what means most to me, my family.

Dan F. | Settlement Recipient

Key Benefits

A path to your policy’s value.

Lump-Sum Cash Payment

Access your policy’s death benefit in
cash now.

No more premiums

The purchaser takes over all future premium payments,
removing a heavy monthly financial burden.

Eligible for tax free

In most cases your viatical settlement, is tax free.

Take The First Step

Simplified Guidance

How does our viatical settlement process work?

You may qualify if you have an existing life insurance policy with a face amount of
$100,000 or higher and have a life-threatening disease.

01

Submit our online form

It takes less than 2 minutes

02

Complete our questionaire

You’ll hear back within 24 hours

03

Review your cash offer

Offer will be presented by a licensed entity

04

Swift funding

Receive your cash fast

With American Life Fund, the process is fast, fair, and commission-free.  
You may qualify for a 24-hour offer and can access your cash quickly, without pressure or hidden fees.

Check My Eligibillity

Viatical Settlements

What can a viatical  settlement do for you?

A viatical settlement turns your life insurance into an lump-sum cash payment. It gives you the freedom and funds to:

Pay for medical care or treatments not covered by insurance

Cover everyday expenses like rent, groceries, or utilities

Eliminate debt and reduce financial stress

Create moments of joy and comfort with your loved ones

Understanding
your options

Viatical settlements serve as a valuable source of financial assistance, offering support to cover a wide range of expenses that may arise in the face of a cancer diagnosis. When confronted with the challenges of medical bills, medication costs, cancer care, and everyday necessities, the financial strain can be overwhelming.

In recognizing the multifaceted nature of healthcare expenses, it’s crucial to understand that your life insurance policy is a protective measure and a tangible asset you possess. Despite the presence of health insurance and government programs like Medicare and Medicaid, individuals dealing with severe medical conditions often find themselves contending with significant out-of-pocket costs in the United States.

What many may not realize is that a life insurance policy holds the potential to provide substantial financial relief. As policyholders, you can transform this asset into a lifeline through a viatical settlement. You can sell your life insurance for a lump-sum cash payment. This process allows you to unlock the inherent value of your policy, providing the financial resources needed to navigate the complexities of your health journey with greater ease and assurance.

About American Life Fund

A legacy of trust
and financial clarity.

For over a decade, American Life Fund has helped people facing serious illnesses access the money locked in their life insurance policies. We work with compassion, speed, and discretion because we believe financial relief should not take months.

A viatical settlement with us is more than just a transaction; it’s a seamless, swift, and stress-free avenue to obtain the necessary cash to address pressing needs such as medical bills, daily living expenses, and alternative treatments. We recognize the importance of providing a financial solution with a supportive and understanding approach during a challenging time. Let us guide you through the entire process with care and dedication, ensuring you have the resources to navigate your unique circumstances.

15+

YEARS OF SERVICE

$10 Billion+

POLICIES EVALUATED

Frequently asked questions

Is it tax free?

Generally, viatical settlements are federal income tax-free for individuals who meet certain health criteria. However, we always recommend consulting with a tax professional regarding your specific situation.

Who are we?

At American Life Fund, we specialize in viatical settlements, providing immediate cash for people with late-stage cancer or other life-threatening illnesses in exchange for their life insurance policies.

Why do people need American Life Fund?

Cancer treatment costs are staggering, often leading to financial hardships. We step in to offer financial relief by providing immediate access to funds, helping you avoid high-interest loans or other drastic measures.

What are the benefits of our viatical settlements?

Our viatical settlements offer a lifeline, covering medical bills, daily expenses, and loss of income. The process is fast, hassle-free, and confidential, with tax-free funds that you can use for any purpose.

How does American Life Fund stand out?

Recognized as one of the top viatical settlement companies, we set high standards through exceptional client care, comprehensive policy value education, and prompt funds provision after due diligence.

What is the difference between a viatical settlement and a life settlement?

A viatical settlement is for individuals with life-threatening illnesses, while a life settlement is typically for those aged 75 and above.

What is a viatical settlement and how does it work?

A viatical settlement is a financial transaction in which a person with a life-threatening illness sells their existing life insurance policy for an immediate lump-sum cash payment. This process provides individuals facing significant health challenges with the means to address pressing financial needs.

How do we support our clients?

Empathy and personalized attention are our core values. We understand the emotional and financial burdens of cancer and provide dedicated counselors available anytime to address your concerns, focusing especially on clients with cancer.

How transparent are we with our clients?

Transparency is key at American Life Fund. We ensure you understand your policy’s value and work directly with you, eliminating third-party fees for a higher payout.

How quickly can clients access funds?

We prioritize providing funds swiftly through a streamlined process, giving you freedom to use these funds as needed, not limited to covering cancer costs, and usually tax-free.

What Is Our Process Like?

Our goal is to simplify the viatical settlement process, keeping you informed at every step while minimizing paperwork. We’re dedicated to empowering you financially with compassion and respect.

Who is eligible for a viatical settlement?

Viatical settlements are generally available to individuals diagnosed with a life-threatening illness, such as late-stage cancer. Eligibility criteria may vary, and our team can help assess your situation to determine if you qualify for this financial option.

Is the viatical settlement process complicated?

Not at all. At American Life Fund, we strive to make the viatical settlement process straightforward and hassle-free. Our experienced team guides you through each step, ensuring a seamless experience during a challenging time.

How can the cash obtained from a viatical settlement be used?

The funds obtained through a viatical settlement are yours to use as needed. Many individuals use the cash to cover medical expenses, medication costs, alternative treatments, and everyday living expenses. The flexibility of these funds aims to provide financial relief during challenging times.

What happens to my life insurance policy after a viatical settlement?

Once a viatical settlement is completed, the purchasing entity becomes the new policyholder. They are responsible for future premium payments, and you no longer have obligations related to the policy. This allows you to use the immediate cash infusion without concerns about ongoing policy expenses.

Will I be taxed on the proceeds from a viatical settlement?

In many cases, viatical settlements are considered tax-free transactions. However, tax implications can vary, and it’s advisable to consult with a financial advisor to understand the specific tax considerations based on your circumstances.

Is my personal information kept confidential during the viatical settlement process?

Absolutely. We prioritize the confidentiality and privacy of your information. Our team adheres to strict privacy policies to safeguard your details throughout the viatical settlement process.

How can I sell my life insurance policy?

Get a Free Estimate:

Visit the American Life Fund website and use the free policy calculator to see if you qualify and get an estimate of your policy’s worth.

Provide Basic Information:
Fill out a simple form with details like your age, the amount of your life insurance policy, your diagnosis, and the stage of the disease.
Receive an Offer:
After reviewing your information, American Life Fund will provide you with an offer based on the value of your policy.
Complete the Transaction:
If you accept the offer, American Life Fund will handle all the necessary paperwork and transactions to complete the sale.
Receive Cash Payment:
Once the process is complete, you will receive immediate cash that can be used for medical bills, living expenses, and other financial needs.

American Life Fund specializes in helping individuals with life-threatening illnesses, such as cancer, ALS, and Alzheimer’s, convert their life insurance policies into cash through viatical settlements. This process provides much-needed financial relief during challenging times. For more information and to get started, visit the American Life Fund website or call their customer service.