My specific expertise is in the Insurance Industry (not medical insurance) and I can help if you have problems relating to a life insurance policy.

I also have access to vital information on Viatical Settlements. A viatical (vi at tickle) settlement allows an individual with a life threatening illness -- such as heart disease, cancer, Alzheimer's or AIDS - to sell their life insurance policy for cash.

Very often, when someone has a life threatening illness they cannot work, the caregivers may have to quit their job and then there is no income. People in these positions may need to declare bankruptcy. They cannot pay their bills - including the premiums due on Life Insurance policies and those policies lapse.

A Life Insurance policy that was purchased to pay a sum to beneficiaries after your death can be used now. The option is to sell the policy for cash and relieve the burdens of mounting medical bills that exceed medical coverage, assist in the cost of daily living and relieve the pressure from caregivers who might othewise drain their own resources.

The BEST source for information and obtaining a Viatical Settlement is either your financial advisor or Life Insurance Agent. There are also some groups, associations, and employers that have contracted with a major viatical settlement company for their members or employees. Again, you best source of information is your financial advisor or Life Insurance Agent.

I am in New Jersey -- and on the Web in the evenings and weekends. I've been in the business since 1976 (not direct sales) but as a middle management person -- and would be most happy to share my expertise.

Miriam Jazuk
Executive Life Associates -- NJ