Pursuant to the Viatical Settlement Act, Part X of Chapter 626, F.S., the Office regulates viatical settlement providers, companies that purchase life insurance policies from the owners (the viators). The policies are purchased at a discount off the face value for the purposes of investment. The viatical settlement providers in turn sell the viaticated policies to institutional investors. When the insured dies the investors receive the full face amount, less costs, thereby recouping their initial purchase price, plus interest.