CASH OUT YOUR LIFE INSURANCE POLICY
A Viatical Life Settlement could be the lifeline you and your family need when facing a terminal or chronic illness
Receive Immediate Cash
Stop Paying Premiums
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WHAT IS A VIATICAL LIFE SETTLEMENT
A viatical life settlement provides a critical financial solution for individuals facing a terminal or chronic illness. By allowing policyholders to sell their life insurance for a lump sum, this option can offer immediate funds to ease financial burdens.
Simple Life Settlement Qualification Checklist
Diagnosis of a chronic or terminal illness
Is Your Policy Amount $100,000 or more?
Term, Whole Life, Universal Life
or Group Life Policy
COULD A VIATICAL LIFE SETTLEMENT HELP YOU:
Pay for medical bills, treatments and healthcare expenses?
Support your family and take care of everyday living expenses?
Eliminate the expense of ongoing insurance premiums?
Fulfill personal wishes or obligations?
If you answered “YES” to any of these questions,
a life settlement mAY be right for you!
UNDERSTANDING VIATICAL LIFE SETTLEMENTS
If you or a loved one has been diagnosed with a terminal illness and maintaining a life insurance policy no longer aligns with your financial needs, a viatical settlement can offer a lifeline. Here are answers to some frequently asked qyestions.
What is a viatical life settlement and how does it work?
A viatical settlement involves the sale of a life insurance policy by a terminally ill individual to a third-party buyer. In return for an upfront cash payment, the buyer takes ownership of the policy, pays the premiums, and receives the death benefit upon the insured’s passing. This arrangement provides financial flexibility when it’s needed most.
Who qualifies for a viatical life settlement?
Terminal Illness: The policyholder has a terminal illness, often with a life expectancy of 24 months or less. Common conditions include cancer, advanced heart disease, ALS, or other life-limiting diagnoses.
Chronic Illness: The policyholder has a chronic illness that significantly impacts their quality of life and requires long-term care. For example:
- Unable to perform at least two activities of daily living (ADLs), such as bathing, dressing, or eating.
- Requiring substantial and ongoing medical care.
How much money can I get from selling my life insurance policy?
The payout from a viatical life settlement varies depending on factors like your age, health, policy type, premium costs, and the death benefit. While each case is unique, the average payout can be up to 30% of the policy’s face value and is almost always more than the surrender value.
Can a viatical life settlement be used to pay for long-term care or medical expenses?
Yes. Many individuals use the proceeds from a life settlement to cover healthcare, special medical treatments, long-term care, or healthcare expenses. The cash from a life settlement can be used any way the policyholder chooses, including healthcare or investing, traveling, home improvements, helping family, etc.
How long does the viatical life settlement process take?
The viatical life settlement process typically takes 4 to 8 weeks, depending on factors like policy complexity and document collection. At LifeRoc Direct, we streamline every step, handling medical records, policy documentation, buyer negotiations, and the closing process to ensure you receive your cash payout as efficiently and quickly as possible.
What types of insurance policies can be sold in a viatical life settlement?
Many types of policies are eligible for life settlements, including universal life, whole life, and convertible term life policies. Non-convertible term policies may even qualify with chronic or terminal illness. Each policy type comes with specific conditions that impact eligibility, you can contact LifeRoc to help determine if your policy qualifies.
Can I help my parents sell their life insurance policy through a viatical life settlement?
Yes, as a beneficiary or family member, you can assist your parent in exploring a life settlement. If they no longer need their policy or are struggling with premium payments, you can work with LifeRoc Direct to navigate the process on their behalf. We guide families with transparency and care, ensuring your parent gets the maximum value for their policy while aligning with their financial and legacy goals.
Are viatical life settlements taxable?
In the U.S., proceeds from viatical settlements are typically tax-free for individuals diagnosed with a terminal or chronic illness.. * LifeRoc does not provide tax advice, please consult a tax professional.
Your experienced client assistant at LifeRoc will answer any questions you might have and assist you every step of the way to ensure a simple, fast, smooth and successful process.
GET YOUR FREE QUOTE TODAY
IT’S FAST, SIMPLE & PRIVATE!
HOW A Viatical LIFE SETTLEMENT CAN HELP
Did You Know On Average A Viatical Life Settlement May Pay Much More Than The Cash Surrender Value?

Cover Medical Bills
Chronic or terminal illness can lead to crushing medical bills. A life settlement could provide the relief and cash for the treatment needed.

Living Expenses & Support Family
Supplement your income and or support family and everyday living expenses for peace of mind during medical treatments or illness.

Cut Your Expenses
Paying premiums for life insurance can become burdensome, a life settlement can alleviate any on-going or increasing payments.

Unlock Policy Value
Your policy may be worth significantly more than the surrender value (if any) offered by your insurance carrier and can be used in any way you wish.
LIFE SETTLEMENT CASE EXAMPLES
LifeRoc Direct is the leading life settlement resource in the industry that has helped numerous clients realize the true value of their life insurance. With over 100 years of combined experience and $15 Billion in Policy Face Amount transacted in our careers, we are confident that we can help you with your policy today.
POLICY SUMMARY
Policy Face Value……$2,558,837.00
Annual Premium………….$43,421.00
HEALTH SUMMARY
Age | Gender………..75 | Female
Health Condition…………Good Health
CSV: $29,163
POLICY SUMMARY
Policy Face Value…….$5,000,000.00
Annual Premium…………..$272,965.00
HEALTH SUMMARY
Age | Gender……………..76 | Male
Health Condition………..Severe
CSV: $0
POLICY SUMMARY
Policy Face Value………..$1,500,000
Annual Premium…………$21,100.00
HEALTH SUMMARY
Age | Gender……………..67 | Female
Condition…………………..Good Health
CSV: $0 (Term Policy)
*The above are based on real cases but have been fictionalized for illustrative purposes. LifeRoc Direct’s client information is always kept strictly confidential.
ABOUT LIFEROC DIRECT
OUR TEAM TRACK RECORD
We Have 20+ Team Members & Growing
We Have Over 100+ Years of Combined Industry Experience
We Have transacted $15B+ of Face Amount in our Careers
THE LIFEROC ADVANTAGE
100% of the Gross Offer Goes to You!
With LifeRoc You Pay No 3rd Party Broker Fees
Get Direct Access to Dozens of Funders Globally
TALK WITH A POLICY SPECIALIST
Schedule a meeting today with an experienced
client assistant to learn what your life insurance
policy is worth.
OUR PROMISE TO YOU
LifeRoc Direct is the industry leading life settlement resource and your satisfaction is our top priority! We are so confident in the quality of our team and work that we provide our clients with this LIFEROC PROMISE: We will provide you with a free policy appraisal so you can make informed decisions about whether to keep, or to sell your policy based on current financial opportunities and needs. There is never any obligation to sell, and prior to final closing you can cancel at any time, for any reason.
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CONTACT INFORMATION
TOLL FREE:
(833)678-7355
CONTACT:
ADDRESS:
12121 Wilshire Blvd, Ste 810
Los Angeles, CA 90048