Viatical pricing turns on life expectancy, and life expectancy on a serious diagnosis is a moving number. Two underwriters reading the same medical file can land months apart, and months translate directly into dollars on the offer.
This is exactly the situation that calls for several buyers, because underwriters read the same records differently and their bids spread out. A single provider gives a single reading of the file. A broker running the case to many buyers turns that spread into competition, and the seller keeps the difference.