Our staff is one phone call, fax, or e-mail away. Contact us if you have questions, need advice or want some assistance with the paperwork. Each member of IBI is your personal link to financial information and help with an honest viatical settlement.

Ramon A. Vicente


Ramon Vicente measures the value of his company in much more than dollars and cents. Every person Individual Benefits (IBI) helps is part of the company he keeps.

President and CEO of IBI, Ramon began the company after finishing his post-graduate business studies with honors at Tulane University in New Orleans. He spent several years as an NASD-qualified representative of Equitable Financial Companies and as out-placement consultant.

In 1992, he looked around and saw viatical settlements as an industry with potential -- the potential to help its clients and to grow with integrity. Ramon is a founding board member of the Life Settlement Association of America.

"Some of the best days are the ones when IBI staff get together and talk about our successes in going to bat for our clients. The others are when clients call to thank us."

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