How Your Life Insurance Can Offer Financial Relief

Living with end-stage heart failure presents not only serious health challenges, but also increasing financial strain—from medical bills to care support, and planning for loved ones. For many facing a terminal illness, a little-known but powerful option is the ability to sell a life insurance policy for cash through what’s known as a viatical life settlement.

If you or a loved one is managing heart failure with a limited life expectancy, this may be a way to access the financial support you need—without taking on debt or waiting until it’s too late to make use of the benefit.

What Is A Viatical Life Settlement for End-Stage Heart Failure?

A viatical life settlement allows individuals diagnosed with a terminal illness, like end-stage heart failure or, Stage D heart failure to sell their existing life insurance policy to a vetted funder in exchange for a lump sum of cash—often significantly more than the policy’s cash surrender value.

This transaction is not a loan. The buyer becomes the policy’s new owner and assumes future premium payments, and receives the death benefit. The policyholder receives immediate funds, with no repayment required.

Who May Qualify For A Viatical Settlement?

Qualification for a viatical settlement is typically based on:

• A diagnosis of a terminal illness, such as late-stage heart failure, with a life expectancy of 24 months or less

• A life insurance policy valued at $100,000 or more

• Many policy types qualify, including Whole Life, Universal Life, Guaranteed Life, Variable Life and Convertible Term Life.

If you’re unsure whether you qualify, LifeRoc offers a free, no-obligation policy appraisal within 24 hours to help you learn if your policy qualifies and what it may sell for confidentially and with no obligation.

How A Viatical Settlement For Late Stage Heart Failure Can Help?

Advanced heart failure often leads to frequent hospitalizations, costly medications, caregiving needs, and difficult decisions around quality of life and legacy. A viatical life settlement may help relieve financial pressure by allowing you to:

• Cover medical expenses or in-home care

• Support your family financially while you’re still here

• Offset the cost of treatment, travel, or final planning

• Avoid lapsing a policy that still holds significant value

Every situation is unique, but for many, converting a life insurance policy into cash during a time of need can bring peace of mind and flexibility when it matters most.

How LifeRoc Supports You Through The Process

At LifeRoc, we understand that navigating a serious illness like end-stage heart failure is overwhelming—physically, emotionally, and financially. That’s why we’ve built a process that is fast, simple, and fully managed, so you and your family can focus on what matters most: your health and time together.

When you work with LifeRoc, you’re choosing one of the most experienced and trusted teams in the life settlement industry. We’ve helped countless policyholders and their families through difficult times, resulting in over $20 billion in settled life insurance policies.

Here’s how we make the process easier for you:

• A free, detailed policy appraisal in just 24 hours, with no obligation to sell

   

• Direct access to our large, leading network of funders who consistently deliver great offers for the policyholders that work with us.

   

• No third-party broker commissions, which means more money goes directly to you

   

• A dedicated team that handles every step of the process—so you don’t have to

From the first call to final payment, we take care of everything, ensuring the experience is smooth, transparent, and handled with the highest level of care. All you need to focus on is your family and your well-being—we’ll handle the rest.

If you or a family member is facing end-stage heart failure, a viatical settlement could offer financial relief when it matters most. With LifeRoc it’s easy to explore your options—with no obligation. LifeRoc can help you find out if your policy qualifies and what it may sell for so you can make an informed decision on whether to keep or sell your policy.