Fast-track your financial relief with a viatical settlement — discover if you qualify and how to get approved, step by step.

The viatical settlement pre-approval process is the fastest way to access a lump sum cash payment from your life insurance policy — often between 50% and 70% of its current value.

If you’re living with a life-threatening illness or managing ongoing medical expenses, that could mean unlocking $125,000 to $175,000 from a $250,000 policy — cash you can use immediately for care, daily costs, debt, or simply quality time.

At American Life Fund, we make pre-approval fast, secure, and confidential. As a licensed viatical settlement company, we handle every detail with your best interest in mind — and with zero pressure or obligation. No middleman. No hidden fees. Just the option to turn your life policy into financial support.

If you’re ready to find out what your policy is worth, you’re in the right place.

Not sure what a viatical settlement is? Start here

What We Need to Get You Pre-Approved

Starting the viatical settlement pre-approval process is fast, confidential, and tailored for people who need real financial relief — now. If you’re facing high medical costs or can’t work due to a life-threatening illness, this is how to unlock the value of your life insurance policy without waiting.

At American Life Fund, we’ve helped thousands of clients get 50% to 70% of their current death benefit payable in lump sum cash payments, often within days. That means a $250,000 policy could result in up to $175,000 in your hands, fast.

Here’s all we need to get started:

• Life Insurance Policy Details
  Your policy must be active, typically with a face value of $150,000 or more. The type of life insurance policy you have is also considered along with the policy premiums. 
• Medical Records and Health Status
  A diagnosis of a serious or chronic condition (such as cancer, ALS, or Alzheimer’s) is required. We use this information, along with your estimated life expectancy, to assess your eligibility. 

You won’t be asked to fill out endless forms or wait for weeks to hear back. Once received, your information is immediately reviewed. 

This isn’t just about checking a few boxes. It’s about moving you one step closer to a pre-approval decision that could change your financial situation in days — and let you focus on what matters most.

Don’t wait. The sooner you fill out our simple and quick online form, the sooner you could access $100,000+ in cash. See if you qualify now!

What’s Actually Happening While You Wait

Once you’ve sent in your documents, the clock starts ticking — and we don’t waste time. While you’re taking a breath, we’re already at work behind the scenes.

You’ll never be left wondering what’s happening or when you’ll hear back. Most pre-approvals at American Life Fund are completed in as little as 24 to 72 hours.

So what’s happening during that time?

We’re reviewing your life insurance policy and your medical information to determine your eligibility and what kind of lump sum cash payment you could qualify for.

We’re confirming the current death benefit, the policy premiums, and verifying it’s been active long enough to meet state requirements (usually two years). 

We know you don’t want to be chasing updates. That’s why we keep you informed, and when pre-approval is complete, we’ll show you exactly what your payout could be — 50% to 70% of your policy’s value, depending on your situation.

You’ve taken the first step. Now let’s get you answers — and real numbers — within days. Contact us today!

What Pre-Approval Actually Gets You

Getting pre-approved for a viatical settlement isn’t just a green light — it’s a real window into how much cash you could access, and how fast you can use it.That could cover:

• Immediate medical care
• Alternative treatments not covered by insurance
• Living expenses
• Early retirement
• Paying off debt or loans 
• Travel with loved ones or anything else you choose to prioritize

This is a valuable consideration — real financial power, unlocked from a policy you’ve been paying into for years.

And here’s what sets pre-approval apart:

• You receive a preliminary offer estimate before signing a viatical settlement contract.
• There’s no obligation, no pressure, and no commitment 

This isn’t a loan, and there’s no repayment. Unlike working with a credit union, loan association, or savings bank, you’re not taking on new debt or paying fees to access your own benefit. The money is yours

If you’re like most people we work with, the biggest question on your mind is:
“How much can I actually get — and how fast?”

Now you know the answer: potentially six figures, and in many cases, within a few business days.

Before You Accept an Offer

Pre-approval gives you clarity — but accepting a viatical settlement is still a big decision, and you should feel completely informed before moving forward.

If you choose to accept your offer, we’ll walk you through every step with clear documentation, and no fine print hidden between the lines. Everything is reviewed with you in plain language and supported by state regulations to protect your rights.

Here’s what happens before anything becomes official:

You’ll Receive a Full Viatical Settlement Contract

This is a separate document, clearly outlined and provided to you in advance. It includes every term of the agreement and is paired with a required disclosure statement that explains your rights, the financial terms, and the structure of the settlement.

This isn’t auto-generated paperwork. It’s a legally compliant document prepared by a licensed viatical settlement company  and executed only upon your signature and completion. 

Your Rights Are Protected — In Writing

Your contract includes a built-in rescission period — meaning you have time to change your mind, even after signing. There is zero penalty or pressure if you choose not to move forward.

We comply with all relevant regulations pursuant to a viatical settlement agreement, including any required license applications and internal tracking of persons engaged in the transaction. 

This stage is about empowering you with information, not urgency. You deserve to feel confident in your decision every step of the way.

You’ve seen what’s possible — now make your decision with confidence. We’ll walk you through every line, every step, no pressure.

You Deserve Options — Not Just Obligations

If you’re managing the weight of a life-threatening illness, you’ve likely spent enough time dealing with doctors, insurance companies, employers, even paperwork.

However, the viatical settlement pre-approval process exists so that people like you can reclaim direct ownership of their time, care, and finances.

With the right support from a viatical settlement company, you can get a written agreement that reflects your needs, your situation, and your values — all backed by the full protection of a secure relevant escrow account and experienced escrow agent.

If you want to work with a provider who prioritizes your best interest, American Life Fund is the viatical settlement company for you.

What More Do You Want to Know?

What’s the difference between a viatical settlement provider and a viatical settlement broker?

A viatical settlement provider licensed to operate in your state works directly with you and makes the actual payment. A viatical settlement broker is a third-party who may shop your policy around — but often adds fees and slows things down. 

Is the lump sum I receive taxed by the federal government?

In most cases, viatical settlement proceeds are not subject to federal income tax if the insured is terminally ill and meets IRS requirements. We recommend confirming with a tax professional or financial planner.

Do I still qualify if I’ve already used accelerated death benefits from my policy?

Yes — having received accelerated death benefits does not automatically disqualify you. We’ll review the remaining death benefit to determine your viator’s eligibility.

Who receives the funds and how is it protected?

Once your written agreement is finalized, the funds are held in a relevant escrow account managed by a licensed escrow agent. This ensures your money is secure until disbursement.

Will this negatively affect my beneficiaries or other benefits?

Accepting a viatical settlement means your beneficiaries will not receive the death benefit from the policy. However, you have the option to set aside some of the proceeds from your viatical settlement in trust or account for them, if you so choose. 

Do I need to sign anything else besides the main agreement?

Yes — in the beginning of the application process, you will  need to sign a separate document to allow us to verify your policy and medical information. 

About American Life Fund

American Life Fund is a trusted viatical settlement company that works exclusively with individuals facing life-threatening illnesses. We are committed to helping clients access the value of their life insurance policy quickly, compassionately, and with full transparency.

Licensed across most states we follow all required protocols — including maintaining licensed status, and respecting your legal rights every step of the way.

At American Life Fund, we will always act in the best interest of the client — because for us, this isn’t just a transaction. It’s a chance to help you  achieve financial freedom.