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Confused about the difference between Life Settlements and Viatical Settlements?

If you’re looking at selling your life insurance policy, you’ve probably read about life settlements and viatical settlements. The two terms often get confused, but they’re two separate types of settlements.

In our years as a life insurance settlement company and a viatical settlement company, we’ve had countless questions asked about the difference between life settlements and viatical settlements. Understanding both is key to deciding what’s best for your situation.

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Here are some commonly asked questions and answers about settlements:

What is the difference between Life Settlements and Viatical Settlements?

A life settlement is the sale of a life insurance policy, generally by a senior citizen. This generally occurs when the individual no longer needs or wants the policy or when the premiums become unaffordable. A viatical settlement is the sale of a life insurance policy by a terminally ill individual. This generally occurs when the individual needs extra funds for medical expenses or wants the funds for end-of-life relaxation.

With both life settlements and viatical settlements, you sell your life insurance policy to a third-party buyer and receive a lump sum payment. This amount is more than the policy’s cash surrender value but less than its net death benefit.

How do I obtain a Life Settlement or Viatical Settlement?

Obtaining a life settlement or a viatical settlement through Hidden Gem is fast and simple

  1. Fill out our application
  2. Send us a few required documents
  3. We find you the best offer within 2-3 weeks and close the deal
  4. You receive your lump sum payment quickly and painlessly

That’s it. There are no hidden fees, no long waiting periods, and no complicated processes.

Why let Hidden Gem handle your Life or Viatical Settlement?

As a dedicated life insurance settlement company and viatical settlement provider, we stop at nothing to find you the best offer for your life insurance policy. And as qualified attorneys, we always put you first.

By choosing Hidden Gem Life Solutions, you’ll get all of these benefits and more:

  • No upfront costs
  • We take our commission from the buyer, not from you
  • We negotiate with 20+ buyers to find you the best possible offer
  • We pay for all medical underwriting costs

We do all of the hard work, and you reap all of the reward. We can deliver your lump sum payment in as little as 2 weeks.

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