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A viatical settlement is a contractual agreement to provide a life insurance policyholder immediate cash in exchange for the sale and transfer of life insurance policy ownership rights.
Get Started. You could receive more money from selling your policy than if you cancelled or surrendered it. Life settlement proceeds can be used for a variety of purposes, such as supplementing retirement, paying down debt, funding long term care or retaining a portion of your coverage while lowering or eliminating premium payments.