Since 1994, Mutual Benefits Corporation (MBC) has worked with more than 20,000 purchasers of life insurance policy death benefits payable under life insurance policies having an aggregate face value of over $1 billion. Today, MBC is one of the largest viatical settlement companies in the United States and we believe we are licensed in more states than any other company that funds policies through individual purchasers. MBC is also an active member of the Viatical and Life Settlements Association of America.

A viatical settlement is simply the sale of life insurance benefits from a terminally ill insured person to a third party. In these transactions, the policy seller receives a percentage of the policy's total face value for cash. The purchaser of the policy benefits may become the owner and/or beneficiary, and ultimately collects the death benefit when the insured dies. Often, this program is the only solution to financial worries that accompany the many dilemmas the terminally ill face.

Senior citizens are also taking advantage of this option. The Mutual Benefits Life Settlement Program offers senior citizens a chance to sell their life insurance policy to obtain more than the cash surrender value, if any, offered by the insurance company to enjoy during their remaining years. This program was developed for seniors who believe they no longer need or desire a life insurance policy. The funds raised from the sale of one life insurance policy are often used to provide upgraded medical care, to help pay bills, to enhance the quality of life if the individual is on a fixed income, to give cash gifts to family and friends, or to even fund a cherished dream.

Purchasers are interested in viatical settlements because they are humanitarian in nature and provide a real financial service for people in need. The return on viatical and life settlements can be up to 72% and is based on estimated life expectancies of one to six years. ¹

1. Fixed, total returns are not annualized returns; any annualized return will vary based upon the actual life span of the insured. Consult your financial advisor. This is not an offer to sell, an offer to purchase, or a solicitation for purchase or sale of viatical or life settlements. Not available in all states.