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A viatical settlement includes the acquisition of a life insurance policy policy from a terminally unwell or senior plan owner.
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Various other common variables are the insured's driving record, existing drugs, smoking cigarettes status, profession, leisure activities, and household history.
“Depending upon the attributed interest, there may not be enough cash money value to maintain the plan active, thus needing higher premium repayments from the policyholder.”
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The plan can be declined or rated (raising the costs total up to compensate for the higher threat), as well as the amount of the premium will certainly be proportional to the stated value of the plan.