Category: Life and Viatical Settlements

Key Takeaways Life expectancy for a viatical settlement is a medical and actuarial estimate based on medical records, health status, age, gender, and policy details — not a prediction of an exact date of death. A shorter life expectancy often leads to a higher payout percentage because buyers expect fewer future premium payments before receiving…

The difference between a viatical settlement broker and a direct buyer can decide how much of your life insurance policy you actually receive. A large life insurance policy returns very different amounts depending on how the viatical settlement is structured. A viatical settlement broker vs direct buyer decision determines how much of that value reaches…

Stop paying life insurance premiums and your policy enters a short decision window where coverage, value, and future options can all change. Life insurance premiums hold their place in a monthly budget until something forces a decision. A drop in income, a shift in financial goals, or rising medical costs can turn a routine payment…

The bills don’t wait, your options shouldn’t either. A viatical settlement gives you immediate cash from your life insurance policy when timing matters most. That cash payment lands when expenses are active, not tied to a future death benefit controlled by an insurance company and an unknown actual date.  A viatical settlement allows the policy…

You can access cash from your life insurance policy in weeks, not months, when the process is handled correctly. How long does a viatical settlement take when medical bills are arriving faster than expected and a life insurance policy is one of the only assets left to access? Just a few weeks! For many policyholders…

A Life Insurance Policy Should Work for You, Before It’s Too Late For many people, life insurance was designed to protect someone else. But when a terminal or chronic illness causes expenses to skyrocket, income to drop, and financial options to shrink, the focus shifts, from the future to the present. In today’s economy, cancer…

Viatical Loans vs. Viatical Settlements: Understanding the Difference Borrowing against your life insurance can seem like a quick fix, but it often introduces unnecessary debt and financial risk. In many cases, a viatical settlement may offer a smarter, debt-free alternative. When facing a serious illness, it’s common to explore ways your life insurance policy can…