A diagnosis of stage 4 cancer is life-changing—and while navigating treatment and care, financial stress can become an added burden. Medical bills, reduced income, caregiving costs, and a desire to support loved ones now can create urgent financial pressure.

What many people don’t realize is that a life insurance policy can be a valuable asset—even before death. Through a viatical life settlement, individuals facing terminal illness may be able to sell their life insurance policy with Stage 4 Cancer for a lump sum of cash, offering relief when it’s needed most.

A Viatical Life Settlement For Your Life Insurance & Stage 4 Cancer

A viatical settlement allows a policyholder with a terminal illness—such as stage 4 cancer—to sell their life insurance policy to vetted funders in exchange for a cash payout. The buyer becomes the new owner and beneficiary, assumes premium payments, and receives the death benefit, while the seller receives immediate funds with no repayment or obligation.

This can be a lifeline for patients who want to ease the financial burden, enjoy quality time with loved ones, or make meaningful choices about how they use their resources.

Who Qualifies For A Viatical Life Settlement?

Eligibility is generally based on:

• A diagnosis of a terminal illness, such as stage 4 cancer, with a life expectancy of 24 months or less

• A life insurance policy with a face value of $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 your policy qualifies, LifeRoc offers a free, no-obligation policy appraisal within 24 hours to help you make an informed decision.

Why Consider A Viatical Settlement During Late Stage Cancer Treatment?

When facing stage 4 cancer, a viatical life settlement can offer financial flexibility at a time when it’s most needed. Common reasons individuals pursue this option include:

• Paying for medical care not covered by insurance

• Covering home care, travel, or integrative therapies

• Supporting family while you’re still here

• Avoiding policy lapse due to premium costs

• Creating financial peace of mind during uncertain times

A settlement allows you to turn your policy’s future value into immediate support—and use the proceeds of the life settlement in any way you choose.

How LifeRoc Makes The Process Fast And Supportive

At LifeRoc, we’ve helped countless policyholders and families late stage illnesses navigate the viatical settlement process with compassion, clarity, and care.

We know that time, energy, and focus are limited—so we’ve designed our process to be fast, simple, and fully managed, so you don’t have to worry about the details.

Here’s how LifeRoc supports you every step of the way:

• A free, detailed policy appraisal in 24 hours

   

• Direct access to our large, leading network of funders who consistently deliver top offers

   

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

   

• A dedicated team that handles everything quickly and confidentially, so you can focus on your health and your family

   

With over 200 years of combined experience and more than $20 billion in life insurance policies settled, LifeRoc is a trusted partner during some of life’s most difficult moments. We’ve helped thousands of families access the value they deserve—without the stress of navigating the system alone.

A Simple Way to Explore Your Viatical Life Settlement Options

If you or a family member are navigating stage 4 cancer and wondering whether your life insurance policy could offer support today, you’re not alone—and you don’t have to figure it out by yourself.

Contact LifeRoc for a free, no-obligation policy appraisal to find out if a viatical life settlement is right for you. Our team will walk you through your options—quickly, clearly, and with care.