A Better Alternative To Life Settlements

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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 $90 million in financial assistance to date.

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

Funds For Living and Giving

  • 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 below, or contact Larry Simms, Managing Director – Business Development, at 203-914-1673 or larry.simms@fifthseasonfinancial.com.

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Life and Times: Briefs of Life Insurance from Fifth Season Financial

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We will not share or sell your information.

Watch a short video to learn how the FLAG Program works:



We’ve provided the following resources to help you and your clients learn more about their options.

FLAG Program

Informative 8-page brochure outlining the FLAG Program, sharing success stories and answering common questions.
Click Here

FSF Advisor

To help start the conversation with your clients about financial costs, review our financial one-sheet document.
Download Now


FSF Advisor

View the FLAG presentation to learn more about how this financial option can benefit your clients.
View Presentation

Providing Financial Assistance
to Individuals with Advanced-Stage Illness


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

Reach Out To Us!

Contact A FLAG Representative

Request a call or email from a FLAG Representative who can answer any questions or concerns you might have.

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