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This article was contributed by Fifth Season Financial, a partner of the Colorectal Cancer Alliance 

Tracy Taylor, an active 50 year from Vermont was completely shocked when a visit to her local ER led to emergency surgery and a diagnosis of adenocarcinoma and stage 4 metastatic colon cancer in August 2022. An active professional woman with a husband and an adult daughter, Tracy was living her best life; working as a Registered Nurse, enjoying everything the mountains of Vermont have to offer, boating, fishing, hiking, and skiing, when her world was turned upside down. 

“My diagnosis took me out at the knees,” exclaims Tracy.  “I had some symptoms that were being followed by my primary care physician but nothing that had brought it to the level of screening. In fact, since they had changed the recommended age for colorectal screening to 45, I was in the process of booking my colonoscopy when I was diagnosed,” says Tracy. 

Dealing with multiple surgeries, an ileostomy and aggressive chemotherapy, all during a pandemic, is overwhelming but this was all compounded by financial difficulties resulting from Tracy’s inability to work while in treatment. “Losing my income was absolutely devastating. Not knowing if we were going to be able keep our roof over our heads and put food on the table all while managing my medical care, was terrifying,” says Tracy. 

Like many others dealing with a serious illness, Tracy and her family, “slipped through the cracks.” She and her family were at risk of losing their home and were struggling financially but they did not qualify for any state benefits because her husband’s income was a little over the minimum to qualify for assistance. As a result, Tracy spent hours searching the internet to find alternate sources of financial assistance with little success until she stumbled upon Fifth Season Financial.

Unfortunately, Tracy’s story is all too common. As Tracy discovered, there are few programs for those who find themselves in need of financial assistance due to an illness. Most of the grants that exist are small and for very specific expenses. To help with this need, Fifth Season Financial pioneered an innovative program to assist people facing advanced-stage illnesses with their financial needs. The Funds for Living Program helped alleviate Tracy’s financial stress by giving her access to part of her life insurance benefit now while still leaving money for her loved ones. The program works like a loan, but unlike a car loan, there are no monthly payments due. The loan is repaid out of the proceeds of life insurance policy. Most people don’t realize that their life insurance policy is an asset that can be used while they are living. Tracy says, “I had no idea that this existed, but I am incredibly grateful that I found it!”

“I received funds from Fifth Season Financial and it’s been lifesaving for me and my family! It’s a tremendous relief! I don’t have to worry about not being able to work and bring in a stable income. My husband and I plan to pay off the remainder of our mortgage and now we have a nest egg for emergencies,” says Tracy. “I honestly don’t know where we would be without the funds from Fifth Season Financial- I don’t even want to think about that scenario!”

Fifth Season Financial helped Tracy and her family as well as thousands of others like Tracy. The Funds for Living Program can help those who own a life insurance policy of at least $75,000 and who are dealing with an advanced stage illnesses such as Stage III or IV cancers, ALS, COPD, heart disease, Alzheimers etc. There are no restrictions on how you can use the money. Fifth Season Financial will take care of all future premium payments and unlike other loans, there are no out of pocket costs, no monthly payments due and no credit checks. It is also unique and different than other programs that use life insurance to secure funds, because all remaining proceeds are paid to your beneficiaries. 

To learn more about Fifth Season Financial’s program, visit www.fifthseasonfinancial.com or call 1-855-45FUNDS. 



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