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Viatical settlements: ethical perspectives.

M E Greipp1

  • 1Department of Nursing, Rutgers, State University of New Jersey, Camden, USA.

The American Journal of Hospice & Palliative Care
|May 8, 1999
PubMed
Summary
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Viatical settlements allow terminally ill individuals to sell their life insurance policies for immediate cash. This financial arrangement involves ethical considerations regarding the policy

Area of Science:

  • Medical Ethics
  • Financial Services

Background:

  • Viatical settlements, a financial innovation within the last decade, involve terminally ill individuals (viators) selling their life insurance policies.
  • These contracts allow viators to receive a percentage (50-80%) of the policy's face value before death.

Purpose of the Study:

  • To examine the ethical ramifications of viatical settlements.
  • To analyze the implications of life insurance policy sales by terminally ill individuals.

Main Methods:

  • Review of settlement contracts.
  • Analysis of financial transactions in viatical settlements.
  • Ethical framework application to viatical settlement practices.

Main Results:

  • Viatical settlement companies purchase life insurance policies from viators.
Keywords:
Death and Euthanasia

Related Experiment Videos

  • Companies pay a percentage of the policy's worth and assume premium payments.
  • The viator receives immediate funds, while the company gains ownership and beneficiary rights.

    • Conclusions:

    • Viatical settlements present complex ethical questions.
    • The financial and moral aspects of these settlements require careful consideration.