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If you are 65 or older and have an unwanted life insurance policy, you may qualify for a life settlement to get cash now to help pay for essential expenses, such as medical bills and mortgage payments. A life settlement may garner up to 30% of the face value of the policy as opposed to the traditional method of surrendering the policy with your insurance company. The practice of selling your unneeded life insurance policy is known as a viatical. 
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