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Funds For Living

Viatical and Life Settlement

A Viatical settlement allows a life insurance policy holder to sell their life insurance policy to a third party while they are still alive for less than its matured value. The policyholder can then benefit from the policy while they are still alive however they can't leave any funds behind for their beneficiaries. At Fifth Season Financial, we offer a better financial option than a life settlement through our unique Funds For Living Program.

How Does It Work?

Funds for Living Program allows individuals who own a life insurance policy to use it to obtain a loan. The loan offers immediate access to funds while keeping the policy fully intact. This leaves money behind in the policy which beneficiaries are able to receive in the future. There are absolutely no restrictions on how the money is spent and the funds can be used for any purpose.

This type of loan provides immediate assistance for individuals affected by a terminal illness who need funds to pay for their medication and treatments. With our Funds For Living program, you can face your challenges with increased confidence knowing that you have the money you need to cover life's expenses.

Our program coordinates will handle all of the details and paperwork to get you the loan you qualify for. Fill out the form on the website or give us a call at 1(866) 459-1271 today.

Schedule a consultation

Contact Fifth Season Financial to schedule a consultation to determine if you qualify for our Funds For Living financial program.

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

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

Watch a short video to learn how the Funds For Living Program can work for you:

Do You Qualify For The Funds For Living Program?

Before you get started, make sure you meet these three basic requirements:


You have been diagnosed with a life-threatening or advanced-stage illness (for example, Stage III or IV cancers, ALS, COPD, advanced stage heart disease, etc.)


You must own a life insurance policy of at least $75,000 issued in the United States – almost all policy types are eligible


You are a permanent resident of the United States

We’ll handle the rest! Our program coordinators will guide you through the easy, no-cost/no-obligation application process and work directly with your life insurers and doctors to get all of the necessary documents. Once we receive all of the paperwork and determine if you qualify for the Funds For Living Program, we’ll provide you with a written, no-obligation proposal. That’s it!

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

Helping Clients Achieve Their Goals

Using Fifth Season's innovative Funds For Living Program, our clients were able to access funds
that immediately helped improve their lives. For more client stories click here.


Lisa from Colorado invested in her new business while minimizing her financial stress.


Cassie from Texas was able to pay her back rent and stay in her apartment.


The Smiths from Mississippi took a vacation to the Carolinas with their family.

Why The Funds For Living Program Can Be An Ideal Solution

With Fifth Season’s Funds For Living Program, we can help you not only face your challenges,
but truly live your best life through them.


Financial Stress

Immediate money to maximize your quality of life now.


Improve Your Quality of Life

Focus on important things like family and getting the care you deserve without financial worry.



You choose how to spend your money. Pay bills, take a vacation, or give a gift to someone you love. It's your choice!


Your Policy Stays Intact

Your life insurance policy stays in effect, and in more than 90% of cases funds remain to pass on to your loved ones.