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About Fifth Season

We're a team of compassionate people who are here to help ease your stress.

We’ve worked with hundreds of patients and their families and we see the emotional, physical and financial impact that often comes with an advanced-stage illness. Our goal is to provide a quick, hassle-free, personalized service that provides the funds you need through a smart financial solution—a loan against the face value of your life insurance policy. With the Funds For Living financial assistance program, you can focus on what matters most—your health, your family, your friends, your life.


We are a trusted specialty lender.

Fifth Season Financial is a licensed consumer lender in business since 2007 and member of the Better Business Bureau. We are the leader in providing access to much needed funds from an often-overlooked asset – life insurance. We work with patients who have diagnoses of aggressive stage II, III or IV cancers, congestive heart failure, COPD, ALS, MLS and other serious health conditions. Over the past several years, we have provided more than $200 million in financial assistance to nearly 400 families.


We created the company we would want to do business with.

It’s important to find a group of experienced and personable people to provide the support you need. We have built a team of individuals who are extremely knowledgeable, passionate about what we do every day, and care deeply about helping others. We want you to feel our commitment and caring in every interaction with our team.


We established this business to address the gaps that exist in finding financial help when faced with advanced-stage illness.

We found that many programs focus on funding to offset co-pays, provide access to medications or help with travel for medical treatment and the cost of away-from-home stays. Typically, this funding is restricted to those exact needs and provides only very small amounts of cash. What we couldn’t find was the availability of discretionary money in amounts that make a real difference in the lives of the patients and their families. We saw people dipping into their life savings, taking taxable loans against their 401(k)s or selling their assets to be able to afford the care they needed.


We set out to make a difference.

Our mission is to help relieve the stress that people with advanced-stage illness often experience. We do this by unlocking meaningful value from an often-overlooked asset—life insurance. 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 cash—while you are living, with no debt or out-of-pocket expenses required and no cash repayment required during your lifetime.

Our numbers speak for themselves


Financial Assistance Provided

We have provided over $200 million in financial assistance to individuals with an advanced-stage illness.


Funds Remain

In more than 90% of our cases, funds remain to pass on to your beneficiaries.


Zero Restrictions

The money we advance is yours – there are no restrictions on how you choose to use it. Use the funds for living.

Meet Our Team

Helping individuals and families get the financial assistance they need.

Adam Balinsky


Scott Rose

Vice President

Ryan McTernan

Senior Associate

Eric Smith

Program Director

Samantha Sabato

Program Manager

Giovanny Ramirez

Senior Case Manager

Dana Diorio


Michael Falk, CPA

Chief Financial Officer

Michael Schmitt

Case Servicing and Data Management Associate

Caitlin Boyles

Senior Program and Office Manager

Tracey Aaron

Communications Director

Larry Simms

Managing Director - Business Development

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