How Much Can a Viatical Settlement Pay?

One of the first questions people ask about a viatical settlement is: how much will I receive? The honest answer is that it depends — but the amount is often higher than most people expect.

Viatical settlement offers are typically expressed as a percentage of the policy's face value. Depending on the diagnosis, prognosis, and policy details, offers can range from 25% to 80% or more of the death benefit. For a $250,000 policy, that could mean a cash payment of $62,500 to $200,000 or more.

Several factors influence the offer amount: the type and severity of the illness, the insured's life expectancy, the policy's face value and premium schedule, the type of policy (whole life, universal life, term), and the number of buyers competing for the policy.

Working with a broker like Jack Davis at Eagles Soar Enterprises — who has access to over 50 licensed third-party buyers — means your policy is presented to a competitive marketplace. More buyers typically means a higher offer.

The only way to know what your specific policy may be worth is to have it reviewed. Call Jack at 727.735.3200 for a free, no-obligation policy appraisal. There is no cost to find out.