How the Program Works


Fifth Season has pioneered an innovative financial assistance program for cancer patients and those with other advanced stage illnesses that utilizes an asset that many individuals own but don’t realize they can access for money: their life insurance policy.

The process is simple: if you qualify for funding, Fifth Season will advance you funds based on the face value of your life insurance policy, an alternative to a viatical settlement. In addition, Fifth Season will take over your premium payments, providing even more immediate financial relief to you and your family. There are literally no remaining out-of-pocket expenses during your lifetime, freeing up your finances to devote to the things that matter most.

And here’s the best part: your insurance policy remains in place. Unlike a traditional loan, all fees are paid later out of your policy proceeds, and in more than 90% of our cases funds remain to pass on to your beneficiaries.

That’s why we call our financial assistance program FLAG – Funds for Living And Giving. Fifth Season provides immediate money for terminally ill patients to maximize your quality of life 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!



or call us toll-free at (866) 459-1271

Watch a short video to learn how the financial assistance program can work for you


Our numbers speak for themselves


Financial Assistance Provided

We have provided over $90 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 or for giving to your loved ones.

You may qualify for a FLAG advance if:

you have been diagnosed with a life-threatening illness


own a life insurance policy of at least $50,000 (*$100,000 minimum for group policies.)


In some instances, we can lend as much as 60% of your policy’s death benefit. To help you decide if our financial loan program is right for you, we encourage you to read our testimonials – from real people just like you.



Our Promise

Our Promise

We know that these are difficult times. We want our clients to know that Fifth Season is committed to providing the compassionate service you deserve.

We promise to protect your privacy.

We promise to talk to you with respect and understanding.

We promise to work hard to find a solution for you.

We are empathetic people who have been in some way touched by illness and will do our best to help whenever we can.

FLAG Program Fund Payout Example


Reach Out To Us!

We promise to respect your privacy.
We will not share or sell your information.