From eligibility check to cash in your account
Three steps, no upfront cost, no obligation. Most patients see funds in 30-60 days from acceptance.
Check eligibility
A 30-second, 4-question form. We ask about your policy face value, policy type, and diagnosis. No medical records, no credit check. You see an estimated range immediately.
Free policy valuation
Licensed providers evaluate your policy. We request medical records (with your authorization) and underwriting documents from your insurer. Within 2-4 weeks, you receive written offers — no obligation to accept.
Accept & get funded
If you accept an offer, paperwork is signed (often remotely with notarization). Funds wire directly to your bank account within 30-60 days. State law gives you a rescission window after signing.
How it compares to other options
Same $500,000 policy. Same patient. Four different choices.
| Option | Typical payout | Tax | Timeline |
|---|---|---|---|
| Let policy lapse | $0 | N/A | Immediate |
| Policy loan | $15K – $40K | Generally non-taxable | 2-4 weeks |
| Surrender to insurer | $20K – $60K | Partially taxable | 2-4 weeks |
| Life settlement | $150K – $300K | Partially taxable | 60-120 days |
| Viatical settlement | $250K – $400K | Tax-free §101(g) | 30-60 days |
See what your policy is worth.
Thirty seconds to find out. No medical records, no credit check, no cost.