Start With a Quick Estimate
Begin by submitting your policy details through our free estimate tool. If you have a qualifying life insurance policy: including term, whole, FEGLI, universal, or group life insurance, and a serious medical diagnosis such as a terminal or chronic illness such as cancer, ALS or others, you may be eligible for a substantial cash payment, up to 70% of the policy’s face value!
Estimate Tool Requirements
- Your age
- The face value of your life insurance policy
- Type of insurance (term, whole, FEGLI, etc.)
- Health status and diagnosis (e.g., terminally ill like Stage 4 cancer or requiring nursing care)
After submitting your information, you’ll receive an instant estimate based on your policy’s face value, estimated life expectancy, and other qualifying factors. The viatical settlement proceeds are calculated quickly and confidentially. No obligations, just clarity.
Ready to Begin? Submit Your Application Today
Speak With a Financial Counselor
Once your estimate of up to 70% the face value of your policy is submitted, one of our financial counselors will contact you directly.
What You Can Expect
- Clear explanation of the application process
- Access to our short, 3-page initial application
- A checklist of required documents (insurance contract, medical records, financial statements if relevant)
This conversation is about helping you understand your options without confusion. You maintain full ownership and beneficiary rights until the final viatical settlement contract is signed.
You won’t be shuffled between departments or asked to retell your story. Everything is handled in-house.
Application Review and Viatical Settlement Offer
After receiving your application, our underwriting team reviews:
- Your life insurance policy details and death benefit
- Your medical history and current health status
- Policy loans, premiums paid, cash surrender value
- All terms of your existing life insurance contract
If you’re eligible, we provide a formal written agreement outlining:
- The lump-sum viatical settlement payment
- Settlement contract provisions and expected timing
- What happens if the insured dies during or after the contract period
Your viatical settlement proceeds are based on the policy’s face value, your expected life expectancy, and financial condition. Offers are fair, fast, and come with no pressure.
Because we don’t involve brokers or third-party investors, our clients avoid delays, fees, and conflicts of interest. Everything remains private and controlled by you.
Why Choose American Life Fund
Our process is built for transparency, speed, and dignity. American Life Fund specializes in helping terminally ill and chronically ill individuals obtain fast cash through their existing life insurance.
With us, you get:
- No extended wait times
- No delays from outside underwriters
- No duplicative conversations with strangers
We’ve helped thousands access viatical settlement funds in as little as just a few weeks. We handle every viatical settlement transaction internally, so your payout moves directly from us to you.
“American Life Fund made this difficult time in my life much easier. The team is knowledgeable, helpful, and empathetic which is a necessity in this situation. I would recommend others suffering from cancer and struggling with their finances to use them”
Deborah, New York
Read more from our highly satisfied clients!
Whether you’re managing medical expenses, daily living needs, or just want greater control, a viatical settlement can be a powerful solution tailored to your personal circumstances.
Join Thousands Who’ve Found Relief — Start Your Estimate Now
