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Life Insurance Is Personal Property

You’ve built equity in your life insurance policy and that policy is your property, not the insurance company’s, and you have the power to decide how the policy should be used for you and your family. Deciding to choose the life settlement option is a legitimate and reliable choice to create financial options for your future.

At Abacus Life, we empower you with the information you need to decide if selling your policy, or a portion of it, is right for you. We will walk you through the entire process, showing you the numbers and the numbers behind the numbers — all policy valuations, underwriting, cost and returns — so you understand your options and can make an informed decision for your family’s financial future.

William, 82, and his family decided that a policy was no longer needed for their estate plan and considered surrendering it to the insurance policy for a low payback. The policy beneficiary was William’s daughter, Amy, who decided to explore a better option: selling the policy to Abacus. With William’s age and medical history, Abacus nearly doubled the cash surrender amount the insurance company was offering, returning $1.2 million back to his family. Amy and her siblings are using the funds to ensure William has excellent care during this portion of his life.

William, 82

Sandra, 59, was struggling under the weight of high monthly premiums and was in need of resources to help with family issues. To free up capital, she considered letting the policy go, but then learned she had other choices. Through a hybrid option Abacus provides, we were able to help Sandra maintain the policy, while giving her an infusion of cash. Abacus quickly paid her premiums to keep the policy current, so her beneficiaries will still receive benefits from the policy, and Sandra received $110,000 to help with medical care and family needs.

Sandra, 59

At only 56 years-old, Adam was diagnosed with rapidly progressing cancer that had metastasized to his lymph nodes. He needed immediate financial assistance for his treatment, and he contacted Abacus to learn about his options. In exactly 30 days, Adam received a lump sum of $201,000, allowing him to immediately secure critical medical care without passing on any debt to his family. And the best part of this story: after receiving incredible medical care, Adam was cancer-free and able to move forward with his life — without the often crushing weight of medical debt.

Adam, 56

Ellie, 59, was suddenly faced with the unthinkable: while she was fighting stage IV cancer, her husband lost his job after 30 years of dedicated service. They needed options, and fast, to face these devastating life changes. By researching online, Terri learned that selling her life insurance could be an option and decided to work with Abacus, citing our solid reputation as her motivation to reach out. We moved quickly to provide her with $50,000, which represented 50 percent of the policy’s death benefit. At the end of the day, they were able to pay off the remaining mortgage on their home, giving Terri the financial freedom to concentrate on her cancer treatments and healing, and spend more time with her family.

Ellie, 59

24 Hour Quotes

See what your policy is worth within 24 business hours with a simple phone interview and some basic policy information.

Transparency In Numbers

We show you the numbers and the math behind the numbers, so you understand exactly what goes into your offer.


Information Privacy

Abacus Life is HIPAA certified, and a direct buyer, not a marketing agency. Feel secure knowing your personal information is not being shared with outside companies.

No Middle Men

Not involving a middle man means that not only is your personal information protected, but you get your best life settlement offer.

Life Options Vs. Life Settlements

If you have started looking into pursuing a life settlement for your life insurance policy, you are probably asking yourself what the difference between Abacus Life and a life settlement company is, in a word…Options.

At Abacus, we understand that you, like many other people, may have a life insurance policy that no longer meets its goals. We are dedicated to helping you learn the facts about your life insurance options so you can make an informed decision and get the most out of your policy. We are committed to serving you with the confidentiality, transparency, and urgency you deserve. Whether you are interested in a traditional life settlement, a retained benefit option, or a hybrid between the two, Abacus Life can help you identify the right life insurance option for your circumstances.

We don’t want our clients to “settle,” we want to help them find real value in their personal property.

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What Is My Policy Worth?

The value of your policy is based on three factors: Age, Policy Type & Policy Value. Use our quick Valuation Calculator to see your policy’s value in minutes.

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Should I Sell My Life Insurance Policy?

There are many reasons why an individual chooses to sell their life insurance policy. Some of the common reasons are expensive premiums, to help fund retirement or to pay for unforeseen medical costs. Selling your policy has never been easier than with Abacus Life.

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What is life settlement?


Life insurance settlement is the sale of a life insurance policy by an insured individual for an amount that is more than the surrender value of a policy but less than the death benefit.

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