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What provisions in a policy could prevent a viatical sale?

policy sale viatical
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What provisions in a policy could prevent a viatical sale?

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Should a policy contain a contestability period or have a suicide exclusion in effect, then it would be very difficult to viaticate the policy until the necessary time period has elapsed. Also should a policy not allow for the transfer of ownership to a third party, then it would be impossible to viaticate the policy.

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