An advanced colorectal cancer diagnosis changes everything — physically, emotionally, and financially. Treatments, travel, and daily living costs can quickly add up, creating stress for patients and families already navigating a difficult time.

What many don’t realize is that a life insurance policy is an asset, not a fixed expense — and in many cases, it can be sold for immediate cash through a viatical life settlement.

What Is A Viatical Life Settlement?

A viatical life settlement allows someone facing a severe or terminal illness — such as advanced colorectal cancer — to sell their life insurance policy for cash while they’re still living.

This option provides a lump-sum payment, often tax-free, that can be significantly greater than the surrender value and can remove the burden of paying ongoing premiums.

At a time when every dollar and every moment counts, this financial flexibility can bring tremendous peace of mind.

How Much Cash Can You Receive?

The amount you can receive from a viatical life settlement depends on several key factors:

• The death benefit or face value of the policy
• The type of policy (universal, whole life, term, or variable)
• The age and health of the insured
• The cost of premiums and remaining term

In many cases, qualifying individuals can receive 20%–70% of their policy’s face value. That means a $500,000 policy could yield anywhere from $100,000 to $350,000 in cash — often far more than a surrender value or lapse would provide.

How The Funds From A Viatical Life Settlement Can Be Used

One of the most powerful aspects of a viatical life settlement is freedom of use. The proceeds can be used for anything:

• Covering treatment costs, home care, or clinical trial expenses
• Supplement income to support family members.
• Paying off debts or mortgages
• Funding nutritional or alternative therapies not covered by insurance
• Creating a living legacy by helping loved ones now rather than later

The money belongs entirely to you — to live fully and focus on what truly matters.

What Beneficiaries Should Know About Viatical Life Settlements

For many families, the role of beneficiary often includes becoming a caretaker — a role that brings deep love, but also significant emotional and financial responsibility.

A viatical life settlement can help ease that burden in many ways:

•  Immediate funds for caregiving costs, travel, or household expenses

• Reduced financial stress, allowing families to focus on comfort and connection

• Options for flexibility — such as a partial policy life settlement or retained death benefit, which can provide cash now while keeping a portion of the death benefit in place for the future

Why Families Choose LifeRoc For Viatical Life Settlements

LifeRoc is recognized as a leading life settlement company nationwide, trusted by financial advisors, agents, and families alike.

Here’s what makes LifeRoc different:

• Large, leading network of funders that can deliver strong offers

• No third-party broker commissions, clients receive 100% of the gross offer

• Exceptional service that makes the process simple and fast

• Over $20 billion in settled policies in our careers.

LifeRoc’s mission is simple: to help you access your policy’s value today when it is needed most— so you can focus on health, family, and peace of mind while we handle the rest.

If you or a loved one is living with advanced colorectal cancer, don’t let your life insurance policy lapse or surrender it for less than it could be worth. A viatical life settlement can provide immediate cash and flexible options for your family.

Call LifeRoc today for a no-obligation policy appraisal to see if your policy qualifies and what it may be worth. With our large, leading network of funders, LifeRoc delivers fast, great offers and expert guidance every step of the way.

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