Facing a serious illness can turn life upside down—emotionally, physically, and financially. But if you or a loved one has a life insurance policy, it could be a source of financial relief and assist in paying for health care.

This unique option allows qualifying individuals to sell their life insurance policy for a lump sum of cash—providing critical financial support when it’s needed most.

What Is A Viatical Life Settlement?

A viatical life settlement is the sale of a life insurance policy by someone with a terminal or severe illness. Instead of waiting for the death benefit to eventually be paid out, the policyholder receives an immediate cash payment—often significantly more than the policy’s cash surrender value.

This allows individuals to use the money for:

• Medical expenses or specialized care
• Travel or quality time with family
• Paying off debt 
• Gifting to loved ones
• Living more comfortably without financial stress

Unlike a traditional life settlement, viatical life settlements are typically available to individuals under 65 as long as they meet health eligibility requirements.

Why A Viatical Settlement Matters During A Health Crisis

When facing a serious diagnosis, peace of mind matters. The last thing anyone wants is to worry about finances when energy should be focused on healing, spending time with loved ones, or organizing end-of-life wishes with dignity.

Selling a policy through a viatical settlement can provide:

• Immediate access to funds

• Freedom from ongoing premium payments 

• A chance to make meaningful choices while still alive 

It’s not just about financial relief—it’s about reclaiming choice during a difficult time.

LifeRoc: Your Viatical Life Settlement Provider When It Matters Most

We understand these are not just financial decisions—they’re deeply personal ones. That’s why our team handles all of the details – respectfully with care and confidentiality. When you work with LifeRoc, you get:

• Great offers from our large, trusted network of buyers
• No third-party broker commissions—more of the offer goes to you 
• Rapid valuations and fast closings
• A team that has helped settle over $20 billion in policies
• Concierge-level service, designed to reduce stress and simplify the process 

We’re here to make a difficult season a little easier—and to help you learn what your policy could be worth so you can make empowered choices with the resources you already have.

Contact us today to learn more about your options. Fill out the form below or give us a call at (833)678-7355 — our team is here to help you every step of the way.

Have more questions? Visit our Frequently Asked Questions Page