Your life insurance can work for you today, when you really need it. If you're living with a terminal illness and are in need of financial assistance, you have choices. Our name is our promise. Individual Benefits has helped thousands of people much like you. Since  1992, Individual Benefits has been helping ill-individuals and seniors cash-in their life insurance policies. One of the largest and most respected Viatical firms in the nation, we are the definitive choice in Viatical and Senior Settlements. When faced with a medical condition, living well can make all the difference. From medical treatments to quality time, having adequate resources can provide much needed alternatives for coping with a life  threatening illness. Also, if you are expecting future payments from an annuities, structured settlements or lottery winnings, you can sell those assets for cash - NOW!.