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 fo the viatical settlement? Do you think such settlements are ethical? Why or Why not?

The elements choosing the measure of viatical settlement are the future of the insured individual and the financing cost for limiting. This isn't a moral exchange as it basically includes estimating on the passing of an individual. The more extended the future, the less expensive arrangement cost and since the future is obscure, this is one of the most bleak exchange.