Viatical Settlement · Tax-Free · Confidential

Cash From Your Policy — When You Need It Most

Whether you're facing a serious illness or simply no longer need your life insurance, you can sell your policy for immediate cash. Viatical settlements (for terminal or chronic illness) are 100% tax-free with payouts upwards of 60% of face value. Healthy seniors often qualify for a life settlement averaging 6.5× cash surrender value.

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Find Out What Your Policy Is Worth

What type of life insurance policy do you have?

How much is the death benefit (face value)?

We work with policies of all sizes, from $100K to $10M+

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6.5×

Avg Multiple

Tax-Free

IRS §101(g)

60 Sec

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What Is a Viatical Settlement?

A viatical settlement is the sale of a life insurance policy by someone with a terminal or chronic illness. An investor buys the policy, takes over the premium payments, and becomes the new beneficiary — and you receive a lump-sum tax-free payment you can use for anything: medical care, household expenses, quality-of-life needs, or simply passing it along to loved ones now, while you're here to see it matter.

Viaticals emerged in the 1980s to help people facing life-threatening illness access the value of their insurance while they were still alive. Today they are fully regulated and federally recognized as tax-free under IRC §101(g).

Who Qualifies for a Viatical Settlement

Viatical settlements are for policyholders facing serious illness. Unlike life settlements, there is no minimum age requirement — qualification is based on health.

Terminal Illness (Under 2-Year Life Expectancy)

A physician-certified diagnosis with a life expectancy of 24 months or less. Common qualifying conditions include:

  • ·Late-stage cancers
  • ·Advanced ALS
  • ·End-stage heart failure
  • ·End-stage organ disease
  • ·Advanced neurological conditions
  • ·Other life-threatening diagnoses

Typical payout: upwards of 60% of face value

Chronic Illness (Under 5-Year Life Expectancy)

A physician-certified condition requiring substantial assistance with daily activities, or a life expectancy of 2 – 5 years. Examples:

  • ·Advanced Alzheimer's / dementia
  • ·Severe Parkinson's disease
  • ·Advanced MS
  • ·Severe stroke / post-stroke care needs
  • ·Stage IV cancers in treatment
  • ·Other serious chronic conditions

Typical payout: 25 – 50%+ of face value

Not sure if you qualify? Call us at (321) 270-0279 for a confidential conversation, or complete our short form — we'll let you know within one business day. There is no cost to find out.

Viatical Settlements Are Tax-Free

Under Internal Revenue Code §101(g), viatical settlement proceeds received by a chronically or terminally ill insured are treated as if the death benefit was paid — which means the entire payout is 100% tax-free at the federal level.

Example Scenario

$500,000 Universal Life Policy

Insured has a terminal diagnosis with ~18-month life expectancy. A viatical settlement is offered at 65% of face value.

Settlement offer $325,000
Federal tax owed $0
You keep $325,000

Illustrative example. State tax treatment varies. Consult your tax advisor for your specific situation.

The Process — Handled With Care

1

Confidential Intake

Call us or complete the short form. Everything you share is HIPAA-protected and kept strictly confidential.

2

Medical & Policy Review

With your signed authorization, we obtain records from your doctors and your insurance carrier. We do the paperwork — you don't.

3

Competitive Offers

We present your case to multiple licensed institutional buyers. They compete, bidding against each other, and we bring you the best offer.

4

Fast Funding

Closing can happen in as little as 30 – 60 days. Funds are wired to escrow, then released to you. Premiums stop; the buyer takes over.

You Deserve an Advocate — Not Another Buyer

Many companies advertising viatical settlements are direct buyers — they profit when you accept a lower offer. We work with a network of licensed fiduciary brokers who are legally required to work in your best interest, not the buyer's.

We'll shop your policy to a network of competing buyers and bring you every offer. You choose. No pressure, ever.

HIPAA Confidential

Your medical information is fully protected at every step.

No Upfront Costs

Our only fee is a commission from the buyer, paid at closing.

Expedited Process

Viatical cases are prioritized. We push for speed when it matters.

Questions People Ask Us

Viatical vs. life settlement — what's the difference?
Life settlements are for older, relatively healthy policyholders (typically 65+) who no longer need coverage. Viatical settlements are for people of any age who have a terminal or chronic illness. Viaticals generally pay a higher percentage of the face value and are 100% tax-free under IRC §101(g). Life settlements are usually taxed as ordinary income + capital gains.
Is the entire payout really tax-free?
At the federal level, yes — under IRC §101(g), a qualifying viatical settlement is treated as if the death benefit was received, which is tax-free. A small number of states may have different treatment. Your physician's certification of terminal or chronic illness is the key. Always consult your CPA to confirm for your state.
Will my family still get a death benefit?
Not from this policy — once sold, the buyer receives the death benefit in exchange for the cash they paid you. However, many viatical clients use a retained-benefit option: sell most of the policy for cash now, but keep a smaller death benefit (for example, $50,000) for your beneficiaries. Ask us about it.
Does it matter what type of policy I have?
Most types qualify: whole life, universal life, indexed universal life, guaranteed universal life, and variable universal life. Term life qualifies if it's convertible (we handle the conversion). Group life insurance sometimes qualifies — we can evaluate either way. Face amounts from $50,000 and up are typically considered, though larger policies tend to attract more competitive bids.
How fast can I get the money?
Viatical cases are generally expedited. Typical timelines are 30 – 60 days from signed application to funded payment, compared to 60 – 90 days for a standard life settlement. Speed depends heavily on how fast your medical records can be gathered. We push buyers for urgency when illness progression is rapid.
Will it affect my Medicaid or government benefits?
The settlement proceeds can count as a resource for needs-based programs like Medicaid, Supplemental Security Income (SSI), or VA benefits, depending on your state. There are planning strategies — such as spending the proceeds on exempt expenses, paying off debt, or setting up a qualifying trust — that can help. We can refer you to an elder-law attorney to discuss before you accept any offer.

We're Here to Help — Confidentially

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