Individual Benefits is one of the most respected viatical settlement firms in America. Our clients are satisfied because we have consistently maintained offers at, and often above, current viatical markets. We recommend that you double-check your contract to make sure it includes a 15-day rescission period following the sale of a policy. That way, if you change your mind, there are no fees and no obligations. Just return the settlement in full, together with any premiums you might have paid.