Gourt > Business > Financial Services > Cash Flow > Viatical and Senior Settlements
A viatical settlement is the sale of a life insurance policy by the policy owner, before the policy matures. Such a sale, at a price discounted from the face amount of the policy but usua lly in excess of the premiums paid or current cash surrender value, provides the seller an immediate cash settlement. Generally, viatical settlements involve insured individuals with a life expectancy of less than two years. Some people are also familiar with life settlements, which are similar transactions but involve insureds with longer life expectancies (two to fifteen years).
A viatical settlement can be an innovative wealth and estate planning tool under the right circumstances. It also essentially creates an open market for redemption of a policy. For example, if the only place you could sell your Ford Motor Company stock was to Ford you would not get that much for it. The same applies to the value of an insurance policy. As long as life insurance has been around, the only place to redeem your policy was from the issuer. Now, much to the chagrin of the life insurance industry, there is an open market to determine a policy's value.
From the perspective of the investor, purchasing a viatical settlement is similar to buying a bond with a negative coupon and an uncertain redemption date. The return depends on the seller's life expectancy and when he or she dies.
More on [ Viatical settlement ]
Schmidt, Inc - Licensed viatical settlement company sells or buys life insurance policies. Domiciled in Washington.
1st Life Settlements - Provides a senior life settlements solution to senior policy owners, advanced estate planners, and financial advisors throughout the USA.
Meta Description: [ 1st Life Settlements provides a comprehensive senior life settlements solution to senior policy owners, advanced estate planners and financial advisors nationwide. ]
A1 Policy Shop Ltd - UK-based firm buys and sells second hand endowment policies and with profit whole of life policies.
Meta Description: [ Cashing in your endowment policy, trade second hand insurance and endowment policies ]
American Viatical, LLC - Purchasers of viatical and senior settlements, also offers policy loans. Site features news, testimonials, FAQ, and an information request form. Domiciled in Indiana; services most states.
Meta Description: [ Viatical Settlements at American Viatical. Specializing in life settlements, life insurance settlements, viatical life settlements and viatical insurance ]
Ardan Group, Ltd - Purchasers of viatical and life settlements nationwide. Domiciled in New Jersey.
Meta Description: [ Life settlements ]
Beachwalk Financial Group - A broker for multiple life settlement companies. Does not promote or process viaticals. Site constructed for agents, not consumers. Domiciled in California.
Meta Description: [ A Beachwalk Life Settlement can help a qualied client use their life insurance property as a new source of wealth. ]
European Policy Exchange Ltd. - UK based market maker for German second hand endowment policies offering institutional investors access to German traded endowment policies (TEPs).
Fiedler Financial - Licensed brokerage for viatical settlements. Site includes information about life insurance options, types of viatical companies, regulations, and resources. Domiciled in California.
Meta Description: [ Consumer site - NOT FOR INVESTORS! Nation's leading Life Insurance Settlement Education, Referral and Brokerage Service. ETHICAL, EXPERIENCED LICENSED viatical and life insurance settlement broker, since 1992 representing seniors and anyone with a limited life expectancy or terminal illness (Canc... ]
First Secured Life - Broker of senior settlements located in Florida and licensed in many states. Site offers a FAQ, brochure [PDF], articles, and an appraisal request form.
Gateway Financial Distributors - Wholesale life settlement organization with a team of regional directors located throughout the USA to allow personalized education and support.
Meta Description: [ Gateway Wholesale Distributors - Supporting Wholesalers Dropshippers Traders. Offering Personalized Education and Support for Trading, Dropshipping and Wholesale Activities. ]
Ideal Life Settlements, Inc. - Licensed brokers provide both viatical and senior life settlements throughout the United States. Educational information included for financial professionals.
Meta Description: [ Ideal Life Settlements is a licensed viatical & senior life insurance settlements broker providing services to senior policyholders, financial professionals, and the terminally ill. ]
Individual Benefits, Inc. - Provides brokerage for viatical and senior settlements. Domiciled and licensed in North Carolina.
Meta Description: [ Viatical.com offers financial assistance to seniors and people with severe or chronic illnesses by purchasing their life insurance policies, this assures financial security and peace of mind. Viatical Settlements, Viaticals, Life Insurance Settlements, Senior Settlements. ]
Integrity Settlement Group, Inc. - Provides viatical and senior settlements. Site describes the process of selling a life insurance policy. Domiciled in Maryland, USA.
Legacy Benefits Corporation - Purchaser of life insurance policies for either viatical or life settlements. Domiciled in New York.
Meta Description: [ Life Settlements. Life Insurance Settlements. Senior Settlements. Viatical Settlement. Viaticals. Legacy Benefits is the most respected name in Life Insurance Settlements. We offer Life Settlements in New York and around the country. ]
Life Equity, LLC - Firm purchases qualified life insurance policies from seniors. Company is based in Ohio but is active throughout the USA.
Life Partners Holdings, Inc. - Purchasers of life insurance policies in both viatical and senior settlements. Domiciled in Texas.
Meta Description: [ LPI is the oldest and only publicly traded Life Settlement and Viatical provider in the United States today. We use our experience and credibility to get the most out of your Life Settlement. ]
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Life Settlement Professionals, LLC - Company, dba Life Insurance Donations, wishes to work with charities to help convert gifts of life insurance policies to cash. Located in Colorado, USA.
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Living Funds - Financially assists those who are facing financial stress from the high costs of a terminal or chronic illness by the means of a viatical or senior settlement. Domiciled in Massachussets.
Meta Description: [ Living Funds - viatical and senior settlement funding direct to the insured, and broker services to life insurance agents and estate and financial planners. ]
Maple Life Financial - Offers life settlement services aimed at senior citizens.
Meta Description: [ Maple Life Financial is the life settlement industry's top-rated provider and servicer with high standards of customer service and compliance. ]
National Living Settlements, Inc. - Arizona firm offers and promotes investing in living settlements to institutions, non-USA investors, and high net worth families.
Meta Description: [ National Living Settlements provides viaticals & viatical life insurance settlement broker services. ]
National Viatical, Inc. - Offers and promotes investment opportunities in viatical and senior settlements. Located in Georgia.
Page and Associates - The Lifeline Program - Licensed viatical provider offers viatical settlements for the terminally ill and senior settlements for the elderly. Domiciled in Florida.
Safe Harbor Funds - Broker of viatical and senior settlement transactions. Located in New York, but licensed in Florida.
Meta Description: [ Safe Harbor Funds: Viatical, viatical settlement, senior settlement, and life settlement financial services to policy owners, agents, brokers, and the life insurance settlement industry. ]
Secondary Life - Offers institutionally financed life insurance settlements. Domiciled in Illinois; services most states. [English, French, German]
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Services International Corporation - Promotes investments worldwide in viatical and senior settlement contracts. Consultant to settlement providers. Located in Nevada. [English, some content in Spanish, French, German, Italian, Portuguese, Russian, Norwegian, Danish, Japanese, and Chinese]
Settlement Benefits Association (SBA) - Florida life settlements broker provides free life insurance policy appraisals throughout the USA.
Meta Description: [ Settlement Benefits Association provides life settlements so you can exchange your life insurance policy for a cash settlement in excess of the cash surrender value of the life insurance policy. Offering free life policy appraisals, Settlement Benefits Association is dedicated to helping you und... ]
United Life Settlements - US firm provides life settlement options for policy holders that wish sell their policies. Firm also assist agents who have clients selling policies.
US Life Settlements - US advisory firm helps clients convert life insurance policies into cash quickly. Viators pursuing viatical settlements receive a free appraisal.
Meta Description: [ Life Settlements at US Life Settlments. Specializing in senior settlements, life insurance settlements, senior life settlements and life settlement company ]
ViaSource Funding Group, LLC - Offers to buy life insurance contracts of cancer victims and other terminally ill policyholders not suffering from HIV or AIDS. Company is located in New Jersey but is licensed in many states.
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Viatical and Life Settlements Association of America (VLSAA) - Promotes the development, integrity, and reputation of the viatical and life settlement industry.
Viatical Settlement Professionals, Inc. (VSPI) - Attorney-owned viatical and life settlement company. Located in Virginia and licensed in most states.
Viatical Settlements, Inc. - Brokers viatical settlements by helping those who are facing a terminal illness to collect their death benefit in advance. Domiciled in Missouri, licensed in many states.
Meta Description: [ Viatical Settlements--Turn life insurance into cash for the terminally ill, pay off medical bills, house payments, agents ]
ViaTrust Life Settlements - A senior life settlement broker providing services throughout the USA to seniors, financial professionals, and universities. Includes educational information and downloads.
Meta Description: [ ViaTrust Life Settlements provides reliable solutions nationwide to advisors and seniors. We are a life settlement brokerage that gets results. ]
Way Moss Ltd. - Online trading platform for the buying and selling of British endowment policies. Includes news, links, and FAQ, as well as a portfolio area for registered users.
Meta Description: [ Waymossonline offers interactive endowment policy trading platform utilised by professional and private investors and\or their financial advisors. Online buying and selling of policies transacted 24hrs a day via this regularly replenished website. ]
Wealth Increase Network, LP - Texas firm offers a service helping seniors sell their life insurance policies.
Welcome Funds, Inc. - Broker of viatical life insurance settlements for viators, life agents and financial professionals. Licensed and domiciled in Florida.
Meta Description: [ Welcome Funds Inc. is a licensed viatical & senior life insurance settlements broker. WFI is also a member of the Viatical & Life Settlement Association of America. ]
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