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Viatical Settlement
A Viatical Settlement is the sale of an existing life insurance policy to an investor for more than its cash surrender value but less than its (net) death benefit. Specifically, for people of any age with an unfortunate critical or chronic illnesses. Term Life policies with $0 cash value qualify.
About Us
Bridge™ is a (licensed & insured), Viatical Settlement Broker (fiduciary) who represents the Seller. We save clients time, money & energy while achieving the highest return. We only earn a commission if the client succeeds.
Which one represents you (Policyowner)?
Under 65 with a Critical illness
You’re in the right place. This page is meant to help you navigate the basics of Viatical Settlements. If you have questions see FAQ’s or Contact us.
Over 65 years
Regardless of health, if one is over the age of 65 years old please refer to the Life Settlements page for more info.
What policy type do you own?

Term Policy
Term policies may be eligible to sell depending on health underwriting and/or policy details.

Whole Life
Whole life policies may be eligible to sell based on health. Don’t cash in without talking to Bridge first!

Universal Life
Universal policies may have untapped values! Don’t cash in without talking to Bridge first!
Health costs are arguably the leading cause of bankruptcy in America. A critical or chronic illness can push finances over the edge.
Life Insurance companies may contest paying the death benefit! Learn how to “Keep the Jackpot”
Average Cancer Treatment Cost (AARP)
U.S annual forfeited life insurance policies (LISA).
Do you qualify?
To qualify for a Viatical Settlement each case must meet the Investor’s three main criteria;
Health.
Health status (Life Expectancy) is the main factor for Viatical Settlements.
Policy.
The death benefit and policy type affect the offer. Cash Value does not heavily influence the sale.
Age.
A Viatical Settlement (unlike a Life Settlement) has no age restriction.
Freedom to Sell
Don’t let the Insurance company hold you hostage! You have the right to sell your life insurance policy without feeling obligated.
What’s the Process?
The process can take weeks or months depending on medical underwriting, release forms and parties involved. Here is a timeline according to the Life Insurance Settlement Association.

Calculate your Policy Value Instantly!
“We believe in integrity by helping people with an unfortunate illness, win back their losses from Life insurance companies. We do this by helping them sell their policy for more money.
— Brandon Selfors / Founder
A plan is like a bridge you cross to reach your goal

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A plan just for you
Bridge offers a personalized plan to help clients sell all or a portion of their life insurance policy for the highest return guaranteed.
Next Steps.
Connect
Schedule a call with us. If qualified, we provide a policy appraisal in minutes.
2
Offers
Bridge streamlines the process to multiple investors ensuring the highest offers.
3
Celebrate!!!!!!!!!!!!!
It’s your money, you earned it! Celebrate with family or friends and enjoy!
4
Success Stories
Get the Highest Offer with Bridge!


Brokers vs. Providers
There are two routes to selling a policy. You can go through a broker (like us) or through a Provider (investor). Here are some pro’s and con’s to each.
Life Settlement Brokers
- Acts in best interest (fiduciary)
- Highest offer
- Longer offer process
- Broker fee
- Save time comparing offers
Life Settlement Providers
- Not your fiduciary
- Single offer disadvantage
- Faster offer process
- No negotiation power
- Comparing offers is time consuming
Is a Viatical Settlement right for you?
Selling a Life Insurance policy is not for everyone. Consider weighing your options. Here are some things to consider:
Potential Rewards
- ✔ Financial relief
- ✔ Tax Deductions (talk with a Tax Pro)
- ✔ Pay for medical bills
- ✔ Enjoy final days
Potential Risks
- Proceedes may be taxable.
- Proceeds may be subject to creditors
- May not be able to obtain Life Insurance
Anti-Fraud Committment
Bridge is committed to our client’s protection and safety. That is why we have stepped-up our procedures to help combat fraud in our industry. Bridge is licensed, insured and strives for the highest ethical standards. Read our Anti-Fraud Policy.
FAQ’s
What do I need before I call?
To ensure a productive first meeting, be sure to have a physical or digital copy of the owner’s life insurance policy handy along with medical, medication and physicians contact information. The initial pre-qualification and quote could take between 20-45min.
Is there a minimum requirement?
Not at this time.
What about ADB's?
ADB or Accelerated Death Benefits. We suggest that if your policy includes an ADB provision, you should talk with your Life Insurance company as this may be a better option for you. You may be able to sell the remaining life insurance policy after ADB has been provided. Feel free to call us for a second opinion.
Read all Viatical Settlement FAQ’s
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🛑 2019 LIFE SETTLEMENT GUIDELINES
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DOWNLOAD FREE PDF
🛑2019 LIFE SETTLEMENT GUIDELINES
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