If you have been diagnosed with an advanced-stage illness and are concerned about your finances, Fifth Season is here to help.

At Fifth Season Financial, we help you find the right solution to provide financial security for you and your family. Through our “Funds for Living and Giving” (FLAG) program, we provide you with much needed financial assistance — giving you the advance you need right now, while also allowing you to leave additional funds to your beneficiaries later.

Sound too good to be true? It’s not and we can help you get started today! You may qualify if you have been diagnosed with a life-threatening illness and own a life insurance policy of at least $50,000. In some instances, we can make advances of up to 60% of your life insurance policy’s benefit.


Gain financial relief for you and your family.

We will help you get the advance you need to make your life a little easier.  There are no restrictions for how you use the money, you can:

  • Pay your medical bills or daily living expenses
  • Consolidate debt
  • Fulfill a life-long dream
  • Enjoy an unforgettable experience with family or friends
  • Take the time you need to heal rather than rush back to work
  • Fund a child’s education

Families appreciate these benefits of the program:

  • There are no out-of-pocket expenses.
  • No repayment required during the individual’s lifetime – the costs are paid out of the life insurance policy’s benefit.
  • You do not lose your life insurance (unlike a viatical settlement).
  • Upon your death, your beneficiary will receive the funds remaining beyond the loan repayment.

Learn about how the program works and more benefits at our  Funds for Living and Giving (FLAG) Program.

More about us

We are here to help you.

Simply fill out this form. One of our compassionate and knowledgeable advisors will be in touch promptly to discuss your needs and answer any of your questions.

All fields are required.
We take your privacy seriously. We will never sell your information to a third party.

Or, if you wish to talk with us now, you may:
Call us for a free consultation at 866.459.1271.

Confidentiality and Privacy Policy


Why Choose Fifth Season?

Because we understand the emotional, physical and financial impact that often comes with an advanced-stage illness, we provide a hassle free, personalized service designed to ease the burden. We are an established business, for over seven years we have been the leader in financial assistance for cancer patients and for other life threatening illnesses by providing access to much needed funds from an often-overlooked asset—life insurance. Fifth Season Financial is a licensed consumer lender and a member of the Better Business Bureau. We are an approved financial resource by Patient Access Network Foundation.

You were very smart to make an investment in life insurance and, now, you can tap into our specialized lending approach to get financial assistance and access to your money—while you are living, with no debt or out-of-pocket expenses required and no cash repayment required during your lifetime.

We have built a reputation with clients and healthcare providers that is unsurpassed. We have provided more than $75 million in financial assistance to nearly 400 families.

A quick look at how it works

You may qualify for financial assistance if you:

  • Have a current medical diagnosis of advanced cancer or other life-threatening illness
  • Have life insurance policy(ies) with a death benefit of at least $50,000. The policy must be at least 2 years old.
  • Are a resident in a state where Fifth Season Financial is permitted to make a loan.

Contact us to discuss your eligibility for the Funds for Living and Giving (FLAG) program.

Once you know that you qualify for financial assistance for cancer patients/survivors or if you have a different life threatening disease, it’s time to complete the application. We make the process simple with a downloadable document that includes the Application, Authorization for Disclosure of Protected Health Information, Physician Information Form and Life Insurance Carrier Release Form. Once completed, you may send these to us by email, fax or mail.

We understand that time is of the essence. To simplify the process for you, our Fifth Season advisor will coordinate with your insurers and doctors to get the medical records we need. Once those are in hand, we quickly review your information and, if we determine that you are eligible, we will provide you with a written, no obligation life insurance loan proposal.

Once all loan documents are signed and acknowledgements are in place at the life insurance carrier, the loan will be funded and you will receive your cash.

For more details, read about Our Fast, Simple Process.

Apply Today

Share it

Patient and Caregiver Support Services and Resources
– Part III

For many patients, it is only when they have gotten to this point that they are able to look around and see all of the remarkable patient and caregiver support services – from shopping for groceries to walking the dogs –  that are available to help them deal with their day-to-day needs. When you are willing to ask for and accept this kind of help, you free yourself up to focus on what is truly important – getting better and spending time with those who are most important to you.  Below is a list of some of the most useful, and most appreciated, of these resources for patients.patient-caregiver-support-services-and-resources-part-III

Read More

More blog posts that may interest you.


With this loan advance from Fifth Season Financial, I will be using the money to pay off outstanding debt I have incurred due to losing my income due to cancer.

DebbieNew York

I will be paying off debts and possibly taking a trip with my 21 year-old daughter. This has been a trying time for both us.


It was a last hope miracle for us.