Spiritus Life, Inc. (“Spiritus”) is not licensed in all states. Spiritus is licensed as a life settlement provider or viatical settlement provider only in the following states: California, Connecticut, Kansas, Maine, Montana, New Jersey, New York, Rhode Island, Texas and Virginia. Please be advised that some state regulations use the term “viatical settlement” as opposed to “life settlement” to describe all secondary market life insurance transactions regardless of the health of the insured. Spiritus may also purchase life insurance policies in the following states that do not regulate the secondary market for life insurance: Alabama, District of Columbia, Michigan, Missouri, New Mexico, South Carolina, South Dakota, and Wyoming. This website is only intended for residents of those states where Spiritus is authorized to purchase life insurance policies in the secondary market. Due to the inevitability of internet to enter states without intention, this website or any other correspondence does not constitute a solicitation for business in any particular state. In particular, this website is not intended for Texas or Rhode Island residents. The information contained herein has been obtained from sources we believe to be reliable, but it is not guaranteed as to its accuracy or completeness. Whenever there are hyperlinks to third-party content, this information is intended to provide additional perspective and should not be construed as Spiritus’ endorsement of any services, products, guidance, individuals, or points of view outside Spiritus. NOTHING CONTAINED ON OR LINKED TO THIS WEBSITE IS MEANT AS LEGAL, TAX, INVESTMENT, OR FINANCIAL ADVICE. ANY USER WISHING TO CONDUCT A LIFE SETTLEMENT TRANSACTION SHOULD SEEK SUCH ADVICE FROM AN INDEPENDENT PROFESSIONAL ADVISER. VOID OUTSIDE THE UNITED STATES AND WHERE OTHERWISE PROHIBITED BY LAW.