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Viaticum agreement involves the sale of a life insurance policy by a sick terminal unrelated investors who may be private financing or brokers. These companies or buying agents of policy at a reduced rate as a function of the nominal value of the policy.
travel expenses of solution providers are investors who buy settlement policies. New York law makes it mandatory for these suppliers to obtain a license. So if you are looking for a possible buyer of the life insurance policy, you should be sure to check the license of the company or the broker. It also makes more sense to sell the policy to direct funding and not through a broker, since the runner can or can not keep to their best interests in mind, while the completion of the offer. This is because that runners tend to have a percentage of profits of death of buyer companies travel expenses. Similarly, before deciding on any company, come in contact with some other to get the best competitive rates.
In addition, you must take into account that you receive full payment in cash at the time of the sale. It never is according to partial payments and the payment by instalments. Payment of travel expenses exceed the value in cash in your policy. Otherwise the best choice would be the renouncing its policy for its cash value.
You should consult with your insurance company if the policy contains provisions on compensation by accelerated death. Before selling out, you can also consider options such as reverse mortgages. Above all, do not yield to pressure tactics. Try to negotiate the best prices possible.
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