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SOLVED:The viatical settlement industry enables terminally ill consumers, typically HIV patients, to borrow against equity in their existing life insurance contracts to finance their consumption and medical expenses. The introduction and dissemination of effective anti-HIV medication in 1996 reduced AIDS mortality, extending patients' lives and hence delaying when the viatical settlement industry would receive the insurance payments. However, viatical sertlement payments (what parients can borro
SOLVED:The viatical settlement industry enables terminally ill con…
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