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A History of Doing Right
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In an industry once sketchily regulated, Individual Benefits, Inc. (IBI) has an unblemished reputation for integrity. IBI has never received a single complaint nor been reported to any state commission.
Individual Benefits was incorporated in 1992 by its President and CEO, Ramon A. Vicente. At the time, there were only 24 viatical settlements companies and little competition to protect the sellers, also known as "viators," of life insurance policies. From the beginning, IBI has been an advocate for the viator, seeking the greatest amount for our clients.
Today, there are over 70 companies, and IBI is one of the largest and the most reputable. Our president is an elected board member of the industry watchdog, the Viatical Association of America (VAA).
As a member of the VAA, Individual Benefits complies with state regulatory agencies. Licensed in every state which requires it, IBI does business across the U.S., Hawaii, and in Puerto Rico.
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Recognized as a leader in the viatical settlements industry by both professional and consumer groups, IBI has made contributions to a large number of organizations including the National Association of People With AIDS, Cancer Care, Inc., Bay Area AIDS Consortium, Triad Health Project, Indiana Cares, Tampa AIDS Network, Metrolina AIDS Project, Piedmont HIV Health Consortium, AIDS Project Los Angeles, and the National Minority AIDS Council.
Individual Benefits contributes in other ways. We are especially proud of our workshops for nonprofit organizations and referral agencies. These workshops provide general financial information for people with life-threatening illnesses who are considering selling their life insurance policies. We cover all bases, not just the viatical options, explaining what would work best for different policies. We invite counselors to come together so they can discuss their concerns. They tell us about the medical and social problems facing their patients. So we all learn something.
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The Right Business
Individual Benefits is a viatical settlement company. We find cash for those who need it most. It's our job to locate the best investors for eligible life insurance policies offered by viators -- people faced with life-threatening illnesses.
Our revenues come from processing their applications and from the purchase of their policies by and through Individual Benefits' funding channels.
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