Improving the Lives of Your Clients

A Better Alternative To Life Settlements

Fifth Season Financial (FSF) offers a financial option for patients with an advanced stage illness and seniors with in-force life insurance.

In business since 2007, FSF is the leading specialty lender in the field. As a licensed consumer lender, FSF has provided more than $115 million in financial assistance to date.

Our Funds for Living and Giving (FLAG) Program is structured as a loan secured solely by the death benefit of an individual's life insurance policy.

• Insured can obtain 10-60% of their policy's death benefit in a lump sum or as a line of credit
• FSF assumes all future premiums
• All costs associated with the loan (interest and management fee) are paid out of the death benefit
• Insured makes NO OUT-OF-POCKET payments
• To date, more than 90% of loans have resulted in surplus funds remaining to pay out to beneficiaries

For qualified referrals, Fifth Season pays financial professionals fair and competitive fees. For more information, use the contact form, or contact Larry Simms, Managing Director - Business Development, 203-914-1673 or larry.simms@fifthseasonfinancial.com.