Historically, life insurance was purchased to provide for the financial security of loved ones upon the policy holder's death. Today, life settlements provide a proven strategy to receive a cash payment from a life insurance policy while the policy holder is living.

In the 1980's with the advent of the AIDS epidemic, there was a burgeoning need for the terminally ill to liquidate their assets, including life insurance policies, to cover medical care. As a result, a secondary market for life insurance emerged for policy holders with less than two years life expectancy. This secondary market was named the viatical industry.

Thanks to advancements in actuarial practices, the secondary market for life insurance has expanded beyond the terminally ill. Today, millions of individuals who are over the age of 65 are eligible to receive a cash payment for their life insurance policy through a life settlement.

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