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 “Loans for Living” program, we provide you with much needed financial assistance — giving you the funds you need right now without any out-of-pocket expenses.

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 freedom for you and your family.

We will help you get the funds 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 Loans for Living 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 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 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 $60 million in financial assistance to nearly 400 families.

A quick look at how it works

You may qualify 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 Loans for Living program.

Once you know that you qualify, 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 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

04:34am by Julie Tsirlin
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WEBINAR: Financial Options for Those with Advanced Stage Illness on March

Date of Webinar: Thursday, March 12

Time:  2:00 PM EST

Description: Join us for a webinar where we will discuss various financial options for those with advanced stage illness.  Julie Tsirlin of Fifth Season Financial will be speaking about various financial help that is available. Learn how to gain peace of mind, financial security, and enhance the quality of your life with the information in this webinar.

Register Now

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I have been looking for financial help since my tumor started to grow again. It is hard enough dealing with cancer treatment, medical visits, and medical bills, so I considered selling my life insurance policy (viatical settlement) and whole life insurance.  Fifth Season Financial was able to address my financial situation 100%. The “Loans for Living” process went well.  Eric Smith answered all questions I had and responded right away. 


Rest assured that your service has been a godsend on my end. Your initial loan allowed us to pay off some medical and other bills as well. It helped my wife and I keep subsequent bills at a manageable level and now nearly three years into my diagnosis we are still pretty much even. No savings left but no bills we can’t handle either.

This would not have been possible without your help. And it also helps keep my future medical options more open than they would otherwise have been.


When my tumor began growing again, I knew I would need financial help. I turned to Fifth Season to access funds from my life insurance policy. I am using the cash to keep up with my bills and to take a vacation with my family that I would never have been able to pay for without these funds.


Fifth Season gave me financial peace of mind, and allowed me to focus my energy on my condition, and my family’s well-being…thank you.

Cassie & ClintonTexas

In reality, Fifth Season Financial has literally saved our lives financially. Without the Loans for Living program we would be homeless right now. We have been living in the same apartment for nearly 4 years and had only been late with rent two times and our landlord had served eviction notice on us, even while we had shown our landlord that we were going to receive a loan from Fifth Season.