YOUR “HIDDEN TREASURE”: THE VIATICAL SETTLEMENT
– 50-80% of the face value of your life insurance policy may be available to you NOW, when you need it the most!
A SHORT HISTORY OF THE VIATICAL SETTLEMENT:
“Viatical” is a Latin term from the days of ancient Rome, meaning “provisions along the way”. It was often used in reference to the Roman soldier’s or traveler’s needs as the empire expanded. Providing resources for the journey is exactly what it means today. A team of investors, can frequently buy the life insurance policies of terminal or chronically ill people for between 50-80% of the face value, giving those people the funds to use now. This is invaluable to many gravely ill patients struggling with critical health and financial issues.
In the landmark 1911 U.S. Supreme Court case, Grigsby v. Russell, the prevailing opinion was written by Justice Oliver Wendell Holmes who held that life insurance is chattel. If it can be bought, it can be sold. For over 100 years, this precedent has been the law of the land, yet few know of it today.
During the Great Depression of the 1930’s, Americans widely came into this knowledge when men were often seen wearing sandwich boards on the streets of major cities, announcing they would buy life insurance policies. Resurgence happened in the 1970’s during the AIDS crisis when infected men were frequently desperate to seek finances for the exorbitantly-priced drugs of that time. Unfortunately, many sold their policies to unscrupulous sharks for mere pennies on the dollar. As a result, VIATICAL SETTLEMENTS developed a stained reputation: Some older generation attorneys and accountants may still harbor disdain for these settlements, remembering their sullied past.
Today things are different. In our century, we see a highly-regulated VIATICAL SETTLEMENT/ LIFE SETTLEMENT industry that is thriving. Of course, as in any business type, there may be a few wolves hidden among the sheep. But having said that, wonderful, well-advised possibilities are here for the intuitive public, especially those with terminal or chronic illness.
SETTING THE STAGE TODAY:
Cancer now affects 50% of American men during their lifetimes and 35% of all women. Auto- immune types of diseases are skyrocketing (MS, Arthritis, Lyme, Celiac, etc.). Diabetes and heart disease are running at pandemic proportions. Many are questioning their health care options. With conventional medicine’s stall out on the discovery of the underlying causes of disease [Nixon’s “War on Cancer” is 45+ years old: trillions have been spent on research], its focus on symptomology suppression [with ever expensive drugs] not cures, the horrible ‘side effects’ of chemotherapy, but a virtual explosion of proven naturopathic and biological protocols all around us [rarely mentioned by our media], many people are seeking fresh solutions. Perhaps you are one of those?
THE CURRENT DILEMMA:
Unfortunately, natural functional protocols – though less expensive and better tolerated than conventional – are not covered by most healthcare plans, leaving funding up in the air. We had to learn this the hard way.
HOW WE CAN HELP YOU:
Today, we can put you in contact with a licensed Viatical Settlement Agent in your area. They are able to work with a team of investors to buy all types of life insurance policies: Whole, Universal, Term, Group, FEGLI and more. Many people have a life insurance policy of some sort, but, almost unbelievably, a large majority are never cashed in. Your story can be different.
Using the contact info below, you can reach out to us and we will discuss the procedure with you how to redeem your life insurance policy. This is without obligation or cost to you. We will next coordinate with your doctors and your insurance company to get all necessary documentation for underwriting as we routinely do. Again, no charge. Importantly, we have streamlined procedures. Many cases fund in 2 weeks to 2 months. Almost lightning speed.
When you purchased your policy, you were likely considering having funds available to your family in the case of your untimely death. However, selling the policy today will allow you to avoid your untimely death and continue to be with the family. Important twist, isn’t it?
In many terminal and chronic cases, the funds are tax exempt (We will advise you to see your accountant in your state). They can be used in any manner you desire: to fund your successful natural, integrative and/or conventional treatments, pay off the mortgage or take a medical vacation. Remaining funds can still be given to your heirs or placed by you in investment vehicles. But there is absolutely no further financial responsibility for you. Or your heirs. This is a settlement of your policy, not any kind of loan. Upon your final ‘going home’, the investors will recoup their investment and be delighted to have been part of extending your life and giving you some extraordinary benefits in the here and now. This is clearly a WIN-WIN for all.
After helping so many people living with terrifying cases of terminal cancer, I have now come to believe that cancer (or any disease) is not really a death sentence. It is an open door for a remarkable new journey. So it will be my joy to introduce to you “provisions along the way” on your journey. Click here to find out more about a Viatical Settlement.