Skip the Middleman — With American Life Fund, you can sell your life insurance policy directly and receive more of its true value—without paying broker fees or commissions.
A viatical settlement allows a policyholder facing a serious illness to sell their life insurance policy for an immediate cash payout. Instead of waiting for a future death benefit, you receive a lump sum now—based on your policy’s face value, premium costs, and your life expectancy. It’s not a loan, but a direct sale that converts your policy into financial relief when you need it most.
If you’ve started researching your options, you may have come across the term “viatical settlement broker.” But what exactly does a viatical settlement broker do—and do you really need one?
In short, a viatical settlement broker acts as a middleman between you and potential buyers. They gather your policy information, review your medical records, and present your case to multiple viatical settlement providers in exchange for a commission—often a percentage of your final payout.
However, working with a broker isn’t the only way. By partnering directly with a trusted provider like American Life Fund, you can simplify the process, avoid extra fees, and receive a higher cash offer for your life insurance policy.
Your life insurance policy can become a source of real financial strength. We make the process simple and straightforward. See if you qualify now.
When Brokers Add Time, You Lose More Than Money
A viatical settlement is meant to offer financial relief. But when a broker stands between you and your insurance policy, time becomes the most expensive part of the process. The longer it takes, the more you pay. Not just in fees, but in premiums, stress, and opportunities lost.
Here is what that looks like in practice. You speak with a broker, send over your medical records, and wait. They reach out to viatical settlement providers, review your insured’s policy, and compare offers behind the scenes. What they do not tell you is that their fee, which can reach up to thirty percent of the face value.
During this period, your insurer still expects regular insurance premiums. Medical expenses do not pause. You might need to make adjustments at home, pay for part-time support, or help a family member manage the changes in your health status.
Some brokers wait to submit your case until your estimated life expectancy shortens. That shift changes your policy’s perceived value and often increases investor interest. They know this. You wait longer, but they make a larger commission.
These tactics are rarely discussed with the policy owner. Everything is presented as a matter of due diligence or protecting your best interest. But what gets left out is this: while you wait, the amount you ultimately receive may be shrinking. Or worse, you may feel forced to accept a lower offer simply to stop the delays.
You deserve a direct process that treats you like a person. You should never have to ask multiple times for updates, chase someone for clarity, or wonder why your policy has been sitting in someone else’s inbox. A settlement is not a mystery. It is a financial transaction based on contract terms, the value of your insurance policy, and your eligibility.
We once worked with a policy owner who spent six weeks waiting for responses from a broker. They had collected everything: medical records, the insurer’s documents, even the beneficiary details. Still, there was no formal offer. When they contacted us, we provided a direct valuation within forty-eight hours.
With American Life Fund, there are no delays. There are no layers. There are no commission-driven exchanges that hold your time or money hostage. You keep control of your process, your benefits, and your outcome. That clarity protects you, your family, and the real value of your life insurance policy.
Who Qualifies for a Viatical Settlement with American Life Fund
If you’re considering selling your life insurance policy, here’s exactly what you need to know.
You may qualify if:
- You have been diagnosed with a serious illness such as Cancer, ALS, or Alzheimer’s
- Your life insurance policy has a face value of at least $200,000
- Your policy is at least 2 years old
- Your policy type is whole life, term life, universal, group, or joint
What you get:
- A lump sum payment based on your insured’s life expectancy, policy value, and premium amounts
- No broker fees or commissions, no tax implications — you keep the full amount
- Use the funds for medical expenses, family support, or anything you choose
- A fast, secure process with no delays or third parties
- Direct support from a licensed viatical settlement company, not a broker
How to start:
- Request a free quote — no obligations, no pressure
- We determine your eligibility and give you a clear offer
- You decide if the sale makes sense for your needs
Selling your policy through American Life Fund means no commission losses, no waiting, and no middlemen. You get a direct offer, full transparency, and fast access to your funds.
Read more about American Life Fund’s viatical settlement eligibility.
You Don’t Need a Broker to Get What You Deserve
If you already hold the key, why pay someone else to open the door?
That’s the reality for many people exploring a viatical settlement. The viatical settlement broker represents your policy, not your priorities. Their income comes from your payout, and that changes the dynamic.
You are already the policy owner and are eligible to enter into a viatical settlement contract without a third party negotiating on your behalf. This process was created for individuals facing serious health challenges. If you’re living with a life-threatening illness, your policy holds real value now. The sale of that policy provides real funds for real needs. We help you access that value directly, without delay and without anyone taking a cut.
Our review process is simple. We focus on obtaining clear documentation and delivering transparent offers, not dragging the process out. Most qualifying policies are evaluated and transacted quickly.
Viaticals are financial tools that people use every day to cover care, relieve debt, and support family. Generally, the fewer people involved, the fewer interests to manage. With American Life Fund, you’re dealing directly with the source — not the middle.
Your illness doesn’t define your choices. You still control your policy and get to decide what to do with it. We’re here to help you get the most from what you already own.
