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.

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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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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.


After taking out personal loans and selling personal items to pay for medical bills, I quickly ran out of options for financial support while dealing with advanced cancer. I am very satisfied with Fifth Season Financial’s Loans for Living program.


In October 2012 I was diagnosed with stage 4 metastatic breast cancer and my life was turned upside down. For a year and a half I was fighting for my life and bills was steadily racking up.  My house was in jeopardy, my dream of remodeling my business was in foreclosure, doctor bills was through the roof and my children were in need of clothes and shoes. My life was a complete mess and I was seriously depressed.  


Fifth Season Financial helped me to live a better life while battling advanced inflammatory breast cancer. The company gave me the financial freedom to focus on the constant treatments and enabled my family to keep their home! My husband and three daughters and I thank you ever so much! I continue my fight and thank God for your company that helped us through. I am blessed.


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.