The FLAG Program works by leveraging an asset most individuals own but don't realize they can access, their life insurance policy.
The process is simple. If you own a life insurance policy, have an advanced stage illness and qualify for funding, Fifth Season will advance the face value of your life insurance policy.
In addition, Fifth Season will take over your premium payments, providing immediate financial relief to you and your family. There are no remaining out-of-pocket expenses during your lifetime, freeing up your finances to devote to the things that matter most.
Your life insurance policy remains in place despite partaking in the FLAG program. Unlike with a traditional loan, all fees are paid later out of your policy proceeds. Plus, in over 90% of cases, funds remain to pass on to your beneficiaries. That means you don't have to choose between taking care of yourself and taking care of your loved ones.
Speak to a program coordinator by submitting the form to the right,
or call us toll-free 866-459-1271.
1You have been diagnosed with a life-threatening or advanced stage illness (including Stage III and IV cancers, ALS, COPD, and advanced heart disease).
2You own a life insurance policy worth a minimum of $50,000 (or $100,000 for group policies).
3You are a permanent resident of the United States.
To date, we've provided more than $115 Million in financial assistance to qualifying individuals. If you or a loved one meet these criteria and are interested in learning more about your options for financing care costs and more, please reach out.
Individuals living with late-stage cancer or advanced stage illness often feel at a loss when it comes to financing the care and treatment they need without sacrificing funds that could help secure their family’s futures. Traditional options, such as reverse mortgages, bank loans, and viatical settlements, all force individuals to choose between having money to maintain their own quality of life and having funds left over to help their family with expenses after they are gone.
Our innovative Funds for Living and Giving (FLAG) Program lets patients achieve financial peace-of-mind without compromise. Best of all, the funds they receive come with no restrictions on use, meaning they can be used for nursing care, assisted living, or world travel – the choice is yours.
*The interest rate of 15.5% compounded daily (16.76% APR) is a special promotional rate applicable to fully completed and qualifying applications received by Fifth Season between 09/01/2018 and 11/30/2018.