# Life Credit Company

> Life Credit Company is a licensed life settlement provider that helps seniors and terminally ill policy owners convert unwanted or unaffordable life insurance policies into immediate cash. Founded by Alex Barba, a 22-year industry veteran with over 3,000 completed transactions.

## About Life Credit Company
- Licensed life settlement provider based in La Jolla, California
- Founded by Alex Barba, one of the most experienced life settlement professionals in the United States
- Specializes in life settlements and viatical settlements
- Serves consumers nationwide, with a focus on seniors age 65+ and terminally or chronically ill individuals
- 223 verified reviews on Trustpilot

## What Is a Life Settlement?
A life settlement allows a policy owner to sell their life insurance policy to a licensed third party for a lump sum payment. The payment is typically 4x to 8x greater than the cash surrender value offered by the insurance company. Life settlements have been legal since the 1911 Supreme Court ruling in Grigsby v. Russell and are regulated at the state level.

## What Is a Viatical Settlement?
A viatical settlement is a life settlement for someone who is terminally or chronically ill. The policy owner sells their life insurance policy and receives immediate cash to cover medical expenses, caregiving, or quality of life needs. Viatical settlement proceeds are generally tax free for terminally ill individuals.

## Who Qualifies
- Policy owners age 65 or older (some cases age 60+)
- Terminally or chronically ill individuals of any age
- Life insurance policy with a face value of $100,000 or more
- Universal life, whole life, convertible term, or group policies

## Key Services
- Free life insurance policy appraisals
- Life settlement brokerage and facilitation
- Viatical settlements for terminal and chronic illness
- Premium finance exit strategies
- Policy lapse prevention

## Contact
- Website: https://www.lifecreditcompany.com
- Phone: (877) 207-0951
- Email: jim@rubiconstrategies.com
- Address: 7924 Ivanhoe Ave, Suite 10, La Jolla, CA 92037

## Key Pages
- [About Us](https://www.lifecreditcompany.com/about-us.html)
- [What Is a Life Settlement](https://www.lifecreditcompany.com/what-is-a-life-settlement.html)
- [Viatical Settlements](https://www.lifecreditcompany.com/viatical-settlements.html)
- [Who Qualifies](https://www.lifecreditcompany.com/who-qualifies.html)
- [How It Works](https://www.lifecreditcompany.com/how-it-works.html)
- [FAQ](https://www.lifecreditcompany.com/faq.html)
- [Free Estimate](https://www.lifecreditcompany.com/free-estimate.html)