ALS changes more than a diagnosis—it changes the ground beneath people’s feet.
Life reorganizes itself around new needs, new routines, and new financial realities.
Families find themselves balancing:

• Caregiving responsibilities they weren’t prepared for
• Equipment and home modifications they didn’t expect
• Medical bills that seem to arrive faster than answers
• Work schedules that bend—or break—under the weight of it all

A quiet but urgent question begins to surface:

How are we going to afford what ALS requires?

Most families think the only options involve savings, retirement accounts, loans, or leaning on adult children. But there’s a resource many never think to consider:

A life insurance policy can sometimes provide financial support now—through a viatical life settlement—when stability matters most.

This possibility is often overlooked, yet it can significantly ease the financial, emotional, and logistical strain ALS creates for families.

The Real Costs ALS Brings Into A Household

ALS care isn’t linear. It comes in waves—each one asking more than the last.
Families often encounter a combination of:

Equipment That Evolves Over Time

Mobility tools, communication devices, home safety upgrades—items that aren’t always covered by insurance and rarely arrive cheaply.

Care Needs That Grow Quickly

At first, it might be occasional assistance.
Later, full-time help may be necessary to ensure safety, comfort, and dignity.

Income Disruptions

Spouses, partners, or adult children often adjust their schedules—or leave work—because care doesn’t wait for convenience.

Emotional and Physical Burnout

The pressure of caregiving amplifies when financial concerns sit underneath every decision.

The combination can feel overwhelming.
This is exactly why families begin searching for financial options that create breathing room without adding new debts or sacrificing home equity.

A Viatical Life Settlement: What It Can Mean for ALS Families

In simple terms, a viatical settlement is:

A way to turn an existing life insurance policy into immediate cash now, rather than later.
No loans.
No repayment.
No impact on home equity.

Families often use the funds for:

• In-home care
• Professional caregiving support
• Home accessibility upgrades
• Medical equipment
• Reducing financial pressure on spouses or adult children

For many, it can be a real source of  financial relief since the diagnosis.

How Life Insurance Can Become A Lifeline During ALS

Most people buy life insurance decades before they need it, imagining it as something that protects their family later. ALS can shift that perspective.

Suddenly, the policy’s value in the future becomes far less helpful than it could be today—when it could:

• Reduce the emotional strain of financial uncertainty
• Stabilize a suddenly unpredictable household
• Prevent rapid depletion of savings or retirement funds
• Allow loved ones to remain in caregiving roles without jeopardizing their own futures
• Support decisions based on care, not cost

Flexible Options: Full or Partial Policy Life Settlements

Because every ALS journey is different, some families want financial support now while keeping some death benefit for later.

A partial life settlement offers exactly that:

• Cash now
• No more policy premiums
• A portion of the death benefit still in place

It’s a way to meet immediate care needs without sacrificing long-term intentions.

What Makes LifeRoc Different When ALS Brings New Financial Challenges

Families navigating ALS need more than information — they need clarity, dependable support, and a process that doesn’t add to an already overwhelming time. LifeRoc’s approach is built for exactly that.

1. Access to a Large, Leading Network of Funders

LifeRoc has the industry leading large network of top funders who purchase life insurance policies. More funders creates more opportunities for strong, competitive offers for your policy.

2. No Third-Party Broker Commissions — Ever

LifeRoc is a direct provider, which means:

• No 3rd party broker commissions
• You keep 100% of the gross offer

We take pride in knowing that families receive 100% of the gross offer — without the unnecessary broker commissions.

3. Fast, Experienced Service During a Difficult Season

The LifeRoc team has supported families through over $20 billion in settled policy face amounts in their careers, including many involving complex and advanced illnesses. We’re known for making the process fast, simple, and supportive, so families can stay focused on care and connection while we handle the details.

Take The First Step: Get A Free Policy Appraisal

If ALS is impacting your family, understanding your financial options can create meaningful relief and give you more flexibility in the choices ahead.

A viatical life settlement may help by providing:

• Immediate cash upon closing
• Elimination of life insurance premiums
• Reduced financial strain on spouses or adult children
• More options for care, comfort, and stability

Get your free, fast policy appraisal from LifeRoc today.
No pressure. No obligation. Just clarity — and the potential for real support when it matters most.

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