Question: Time Value a viatical settlement is a lump sum of money given to a terminally ill individual in exchange for his life insurance policy. When

Time Value a viatical settlement is a lump sum of money given to a terminally ill individual in exchange for his life insurance policy. When the insured person dies, the purchaser receives the payout from the life insurance policy. What factors determine the value of the viatical settlement? Do you think such settlements are ethical? Why or why not?

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