Stop Worrying About Finances.
Start Focusing on Healing.
Convert your life insurance into Immediate funds today.
Your peace of mind can’t wait.
Get The Financial Relief You Need
- ✓ 24-hour, no-obligation offer
- ✓ Cash in as little as one week
- ✓ Stress-free — no hidden fees
- ✓ A caring team at every step
If you're facing a serious health diagnosis such as cancer, Alzheimer's, or ALS, you may qualify for a viatical settlement. This option allows you to sell your life insurance policy for a lump-sum cash payment—providing financial relief when it matters most.
With Living Benefits, the process is fast, fair, and stress-free. You can receive a 24-hour offer and access cash in as little as one week, without pressure or hidden fees.
A viatical settlement unlocks the hidden value in your life insurance policy, giving you more financial control during one of life's most difficult moments.
- ✓ Cash in hand, on your terms
- ✓ No more premium payments, no taxes, no obligation, and no hassle
- ✓ Freedom to use the funds however you choose
- ✓ A caring team that guides you every step of the way
How It Works
Three simple steps stand between you and the financial relief you deserve. No medical exam, no upfront cost, no obligation.
Share Your Details
Tell us a few basics about your policy and diagnosis. It takes just minutes, and there's never any cost or commitment to get started.
Receive Your Offer
Our team reviews your information and presents a fair, no-obligation cash offer—often within 24 hours of your submission.
Get Your Cash
Accept the offer and we handle all the paperwork. Your lump-sum payment can arrive by wire or check in as little as one week.
Do You Qualify?
Most people are surprised to learn how simple it is to qualify. Age doesn't disqualify you, and there's no medical exam required. If the points on the right sound like you, you likely qualify for a viatical settlement.
Not sure? That's exactly what we're here for. Answer a few quick questions and a dedicated counselor will walk you through your options at no cost.
You may qualify if…
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You have a life insurance policy of $200,000 or moreMost policy types qualify, including term and universal life.
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You've been diagnosed with a serious illnessSuch as cancer, ALS, Alzheimer's, or end-stage organ conditions.
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Your policy has been in force for about two yearsSome states allow for shorter windows—just ask us.
A Partner You Can Trust
We combine competitive offers with genuine compassion, because you deserve both financial relief and a team that truly cares.
Maximum Value
We fight to get you the highest possible offer—up to 70% of your policy's face value—with no hidden fees taken from your payout.
Fast & Simple
A 24-hour offer and cash in as little as one week. We handle every piece of paperwork so you can focus on what matters most.
Compassionate Care
A dedicated counselor supports you at every step—no pressure, no jargon, no hidden fees. Just honest guidance when you need it.
Tax-Free Payout
For those who qualify under the IRS definition of terminal illness, your entire settlement is completely tax-free.
No Obligation
Getting your offer is completely free and comes with no strings attached. If it's not right for you, simply walk away.
Trusted & Proven
Thousands of families have turned to us for financial relief, earning a 4.8-star rating from the people we've served.
What Our Clients Say
"From the very first call, they treated us with such kindness. The offer was better than we expected and the money arrived faster than we ever imagined. It lifted a huge weight off our shoulders."
"I had no idea I could sell my policy for cash. The whole team walked me through every step and answered all my questions. No pressure at all. I'm so grateful I made the call."
"Professional, compassionate, and quick. During one of the hardest times of my life, they made this one thing easy. I can't recommend Living Benefits enough."
Frequently Asked Questions
Get Your Free, No-Obligation Offer
Take the first step toward the financial relief you deserve. It only takes a few minutes, and there's never any cost or commitment.