A Viatical Settlement is the legal sale of your life insurance policy to a third party (called a provider) in exchange for a lump-sum cash payment. This option is typically available to individuals who have been diagnosed with a life-threatening or terminal illness and are seeking financial relief now—rather than later.

You may be eligible if:

• You have a life-threatening or terminal illness, usually with a life expectancy of 24 months or less
• Your policy has a face value of $100,000 or more
• Your policy is assignable and non-contestable

We offer a free eligibility screening to help determine your options.

Eligible Viatical Settlement policies include:

• Term (if convertible to permanent)
• Whole Life
• Universal Life
• Group Life (if portable and assignable)

The Viatical Settlement payout amount varies based on:

• Your policy’s face value (death benefit)
• Your health condition and life expectancy
• Type of policy and premium structure

You typically receive more than the policy’s cash surrender value, but less than the full death benefit.

Once the policy is sold in a Viatical Settlement:

• You receive a lump-sum payout
• The buyer becomes the new policy owner and beneficiary
• When you pass away, the death benefit is paid to the buyer, not your beneficiaries

No. Once your policy is sold through a viatical settlement, the buyer takes over premium payments. You are no longer responsible for future costs.

Yes, possibly. A Viatical Settlement may count as income or assets, depending on your state’s Medicaid eligibility rules. We will help you assess how the payout may affect:

• Medicaid
• SSI
• Veterans benefits
• Nursing home eligibility

In most cases, Viatical Settlement proceeds are not taxable under federal law if:

• You are terminally ill (life expectancy < 24 months)
• The buyer is properly licensed

However, we always recommend consulting a tax advisor for personalized guidance.

The process typically takes 3 to 6 weeks, depending on how quickly:

• Medical records are reviewed
• Your insurance carrier provides documents
• Settlement offers are reviewed and accepted

We handle all of this for you—from start to finish.

Yes. Your privacy is protected by federal and state law. All medical and personal information shared during the settlement process is kept strictly confidential.

You can begin by scheduling a free, confidential consultation with Exit Equity Concierge. We’ll walk you through:

1. Policy eligibility
2. Medical history review
3. Carrier paperwork and authorization
4. Offer review and settlement coordination

A Life Settlement is the legal sale of an existing life insurance policy by the policyholder to a licensed third-party institutional buyer in exchange for a lump-sum cash payment. This payment is greater than the policy’s cash surrender value, but less than the full death benefit.

Many older adults—typically age 65 or older—or individuals under 65 with chronic or terminal health conditions may qualify for a life settlement, allowing them to access the value of their life insurance while living. If your policy no longer meets your needs or has become a financial burden, a life settlement could be a smart option.

Eligibility criteria typically include:

• Age 65 or older, or under 65 with chronic or terminal illness
• Policy face value of $100,000 or more

1. Eligible policy types, such as:
   Universal Life
   Whole Life
   Convertible Term
   Survivorship

• A change in health or financial circumstances

Even lapsed or lapsing policies with no cash value may still qualify

Yes. Life settlements are regulated in most U.S. states, including Texas, and are governed by insurance law and consumer protection statutes.

Most Life Settlement cases are completed within 4–6 weeks, depending on medical records and insurer processing timelines.

Absolutely. There are no restrictions on how you use your Life Settlement proceeds—travel, debt relief, housing, care services, or simply enjoying life.

Yes, your beneficiaries will no longer receive the policy’s death benefit from the Life Settlement—but the immediate financial payout may provide greater value now than the long-term benefit later, especially if the policy was going to lapse.

While Exit Equity Concierge provides the financial relief you may need, your journey doesn’t stop there. For compassionate guidance, ceremony planning, and holistic end-of-life services, we recommend our trusted sister brand, The Doula Experience.
They offer vigil support, legacy planning, and grief coaching to support you every step of the way.

Click the Link to Connect: www.TheDoulaExp.com

Why Exit Equity Concierge?

Our name says it all: we help you exit with equity. Whether you’re navigating financial hardship, facing an advanced illness, or simply seeking smarter asset strategies, Exit Equity Concierge offers unmatched value:

• Compassionate Consultation
• Fair Market Value Negotiations
• Private & Compliant Transactions
• Integration with Estate and PreNeed Planning
• Transparent Broker Disclosures & Licensing

We don't just process your policy—we protect your peace of mind.

The Exit You Deserve. On Your Terms.