Viaticals of America is if you look over the entire United States of America and try to get a feel for the life settlements that are occurring and then you take the sub section of that market, called viaticals and calculate the number of those settlements that are occurring you will have a ratio between the two markets.
Viaticals are whereby if an individual has less the 24 months to live that is quoted by a third party actuarial firm. Versus a life settlement is an individual who is usually over the age of 70, who will live much longer.
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