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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.
A Structured Settlement Transfer (SST) is a conservative, pre-owned annuity that is sold on the secondary market and which allows the current owner of that annuity to sell future payments in exchange for a lump sum.hey may have been awarded their Structured Settlement as a result of an insurance claim, or perhaps they won the lottery and are receiving their payments over an extended period of time. Meanwhile an SHP Clientâs incentive is to receive those future payments at a significant discount.