Life Settlements

Viatical Settlements

A Financial Resource in Your Time of Need

Agents and Advisors: Don't let your clients lapse or surrender their life insurance policy without talking to us first!

A life settlement is the sale to a third-party purchaser of an in-force life insurance policy for its “fair market value”: an amount in excess of the contract's cash surrender value but less than its death benefit. The policy owner/seller is not restricted in the use of the proceeds. The settlement company acquires policy ownership, names itself the beneficiary, and is solely responsible for future premium payments.

"Josh shot me a text earlier asking about who I had done life settlements with and what my experience has been with them. Literally has been one of the most phenomenal insurance/underwriting experiences I've ever had (like not just not-bad or neutral, but blow me out of the water amazing)...

... It's crazy how complicated the life settlement/viatical process was; even crazier how simple they made it...they're a powerhouse duo."

- Jimmy

Life insurance policy holders who are seriously or chronically ill, you may be able to sell your policy for cash to use how you see fit!

A viatical settlement is the sale of an in-force life insurance policy insuring a person who is terminally or chronically ill. A qualifying viatical settlement results in a cash offer for a percentage of the policy death benefit.

And, you will receive the same income tax free treatment as if the insured has passed on.

"I was just reflecting on the blessing we received in part due to your efforts. 6 years ago my wife Ana was diagnosed with a very aggressive stage 4 cancer that had a zero percent chance of being cured. You guys helped us to cash in her life insurance policy and with the proceeds we invested in finding an alternative cure. The investment paid off as we found a natural remedy in Brazil that ended up curing her completely in 6 weeks. Ana has been doing great ever since and we are now celebrating our 5th Christmas together that wasn't supposed to be. I'm sure you are not used to hearing good news like this so I thought I'd share the blessing and hope it puts a smile on your face. Have blessed holidays!"

- Bruce V.

Life Insurance Buyers, Inc. is a licensed Life Settlement Broker that acts as a fiduciary to protect the best interests of policy owners in the Life Settlement process by creating a competitive auction to deliver the best value to the seller/consumer. Life Insurance Buyers, Inc. is an independent seller’s representative and does not sell life insurance, manage assets, or purchase policies.