• Life Settlement vs Viatical
  • Stats & Facts
  • FAQ
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    Life Settlements vs

    Viatical Settlements

    Two powerful ways to unlock hidden value in life insurance—it's important to understand the difference.

    Life Settlements vs

    Viatical Settlements

    Two powerful ways to unlock hidden value in life insurance—it's important to understand the difference.

    SA Advisors Life Settlement vs Viatical.png

    Life Settlement

    Viatical Settlement

    Who Qualifies

    Seniors (typically age 65+) with unwanted or unneeded policies
    Individuals diagnosed with a terminal or chronic illness

    Health Requirement

    No terminal illness required
    Must have a life expectancy usually under 24 months

    Payout Range

    4x–12x more than cash surrender value
    Often higher payout due to shorter life expectancy

    Use of Proceeds

    Retirement, long-term care, other financial needs, other
    Medical bills, living costs, quality of life during illness

    Tax Implications

    May be taxable depending on gain
    May be tax-free if proceeds used for medical or end-of-life care

    Regulation

    Regulated in most states with consumer protections
    Also regulated, often with additional oversight for health status

    Ownership Transfer

    Policy sold to investor, who takes over premiums & benefits
    Same structure—buyer becomes beneficiary and manages the policy

    Emotional Considerations

    Often a strategic financial move
    Often a last resort financial lifeline

    Common Policy Types

    Universal life, whole life, convertible term
    Any type, as long as value and timeline are appropriate

    See Which Settlement Fits Your Situation

    Whether you’re exploring Life Settlements or Viatical Settlements, understanding your options can put significant cash in your pocket or help cover critical medical needs. Take the Next Step Today:

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    Get a free, no-obligation consultation with one of our expert advisors.

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    Receive a personalized policy valuation to see what your policy could be worth.

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    Explore your options safely, confidently, and on your terms for peace of mind.

    Get Your Free Valuation

    ★ Your life insurance could do more than you think—let’s make it work for you.

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