Viatical Settlement Process

Step 3: Introducing Your Policy to the Market

After valuation, the next step in your viatical settlement process is when Windsor introduces your policy to our network of licensed institutional buyers. These are regulated financial entities — not individual investors — who purchase policies as part of long-term investment portfolios.

Unlike companies that act as direct buyers, Windsor does not represent a single provider. Our independence allows multiple buyers to compete for your policy, which helps drive offers upward. You’ll receive transparent summaries of every bid, along with an explanation of how each was calculated.

Step 4: Review and Offer Selection

Once the offers come in, Windsor presents each one clearly so you can compare total payout, fees (if any), and closing timelines. We’ll answer all questions and coordinate with your family or financial advisor if you’d like them involved.

You are under no obligation to accept an offer. Many Windsor clients appreciate that there’s no pressure, no “expiring offers,” and no hidden agenda — only transparent information to help you make the right decision for your situation.

When you decide to move forward, Windsor prepares the closing documents and ensures every regulatory disclosure is included as required by your state’s Department of Insurance.

Step 5: Closing and Payment

All viatical settlements must close through a licensed escrow agent. This provides a secure, regulated process where your funds are held safely until ownership of the policy officially transfers.

Once the buyer assumes ownership and the insurance carrier records the change, the escrow agent releases payment directly to you — typically via wire transfer. Most clients receive funds within just a few days of signing the final documents.

After payment is received, the buyer becomes the new owner and beneficiary, assuming all future premium payments. Your transaction is complete, and Windsor provides you with a closing packet for your records.

Transparency at Every Step

From start to finish, Windsor’s role is to protect your interests. We act as your independent representative, ensuring each part of the process is handled with clarity, honesty, and compliance.

Every offer is genuine, every disclosure is written, and every payment is handled through licensed professionals. We believe that a viatical settlement should never feel rushed or confusing — it should feel like a confident, informed decision made on your own terms.

The Windsor Difference

Many companies that advertise viatical settlements are actually owned by the same investors who buy the policies. That means one agenda, one buyer, and often a lower payout.  This junks up the viatical settlement process for policyholders by reducing competition and transparency.  

Windsor is different. As an independent broker, we bring your policy to a broad, competitive marketplace. Our independence ensures transparency, competition, and fairness — qualities that often result in significantly higher settlement values for our clients.

When you work with Windsor, you’re never just accepting a single offer. You’re creating competition for your policy, and competition creates value.

What to Expect After the Settlement

After your transaction is complete, you’ll receive the proceeds in full, and you will no longer be responsible for any policy premiums. The funds are yours to use however you choose — medical expenses, debt relief, or improving quality of life.

Windsor will remain available after closing should you or your advisors need documentation or confirmation of the completed transfer.

Getting Started

The viatical settlement process begins with a confidential conversation. Windsor will review your policy, verify eligibility, and provide a realistic estimate of what your policy might be worth — all at no cost and with no obligation.

If you decide to proceed, we’ll handle everything from underwriting to final payment. You’ll have a clear understanding of each step, every offer, and all your rights under state law.