Viaticals and Life Settlements

Life and Viatical settlements are, quite simply, an alternative to cashing in (surrendering) a life insurance policy. You can do this any type of policy including Term insurance even thought there is no cash value.

Perhaps the reason you purchased the policy no longer exists. Perhaps you or your company no longer has a need or there is a cash flow shortage. Or maybe, you no longer wish to pay premiums. Whatever the reason there is a better way to cash out a policy rather than doing it through the company you bought it from.

What we do is obtain offers to transfer your policy to a Life Settlement Provider. You decide which offer is best for you. Depending on your current health/age status, an offer can be 2-5 times greater in some cases, than what the original company would pay.

All you need to get an offer is to complete a short application which includes a release of medical records and in as little as 30 days we can have offers to present to you. The medical records remain private excepting the parties involved.

Download a helpful guide to Viatical Settlements from the Pennsylvania Insurance Department. Requires Adobe Acrobat Reader. Get it free here.

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