Abacus Life
Pays the Most
Year after year, Abacus Life consistently pays more than the market average for life insurance policies. Whether you're a policyholder exploring your options or an advisor looking for the best partner for your clients, our data-driven approach and deep investor relationships deliver superior results.
Abacus vs. The Life Settlement Market
Independent data from The Deal, Life Settlement Report confirms what our clients and advisors already know: Abacus Life consistently pays more than the market average, every single year.
*The 2021–2024 data above is sourced from The Deal, Life Settlement Report (Issued Annually).
*The 2025 data above is sourced from a press release issued by Coventry on April 16, 2026.
Why We Pay More Than Anyone Else
Whether you are a policyholder considering your options or a financial professional evaluating partners for your clients, Abacus Life offers a unique advantage in the market: as a publicly traded company (NYSE: ABX), we operate with full transparency and are held to the highest standards of accountability.
Our national network of institutional investors competes to buy each policy, which drives up the offer received. We don’t just find one buyer — we find the best buyer for each specific policy.
And because we handle everything in-house — from policy evaluation to closing — there are fewer hands in the transaction, which means more of the proceeds go directly to the policyholder.
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Competitive Bidding Process Multiple institutional buyers compete for your policy, naturally driving the price higher and ensuring you receive the most competitive offer available.
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NYSE-Listed & Fully Regulated As the only publicly traded life settlement company in the U.S., we operate under strict financial oversight — meaning every transaction is backed by institutional integrity.
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In-House Expertise Our team handles APS retrieval, life expectancy evaluation, and pre-pricing entirely in-house, reducing delays and friction — which keeps more value in your settlement.
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Licensed in 49 States Our nationwide reach means more buyers for each policy and a broader, deeper market — giving advisors and policyholders access to the strongest offers available, regardless of location.
Every Advantage, Working for You
Our commitment to paying more isn’t just a marketing claim — it’s built into every part of how we operate.
No Cost to Anyone
There are no fees or out-of-pocket expenses for policyholders or their advisors to get an estimate or complete a life settlement with Abacus. Our services are completely free.
Free, No-Obligation Estimate
Use our Life Settlement Calculator to receive an estimate within 24–48 hours — with zero commitment required. Advisors can run estimates on behalf of clients at any time.
Fast, Transparent Process
Our streamlined, fully in-house process means fewer delays and total transparency at every step — for both the policyholder and the advisor managing the case.
Industry-Leading Experience
Founded in 2004, Abacus has completed thousands of successful life settlements. Advisors trust us to deliver consistent, above-market results for their clients year after year.
Institutional Investor Network
Our deep relationships with institutional investors mean each policy is seen by the buyers most willing to pay a premium — maximizing value for policyholders and strengthening advisor relationships.
Dedicated Policy Specialist
Every case is assigned a dedicated policy specialist who guides both the policyholder and their advisor through the entire process, from initial review to final payment.
How Much Is Your
Policy Worth?
Our free Life Settlement Calculator gives you a real estimate in as little as 24–48 hours — with no obligation and no out-of-pocket cost to you.
Policyholders and financial professionals can both use this tool. Enter policy details and our team will evaluate it against our network of institutional buyers to determine the best possible offer.
Why policyholders & advisors choose Abacus
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Consistently above-market payouts, confirmed by independent data
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Only publicly traded life settlement company (NYSE: ABX)
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Licensed in 49 states with 20+ years of industry experience
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No fees, no cost, no obligation to accept any offer
How the Process Works
From the first estimate to final payment, our streamlined process is designed to be straightforward for both policyholders and the advisors working with them.
Free Estimate
Submit policy details online or call us directly. Advisors can submit on behalf of clients. Our team evaluates every policy at no cost and with no obligation.
Policy Review
We gather the necessary documentation and present the policy to our network of institutional buyers to generate competing offers.
Receive Offers
The highest possible offer is presented. Our team walks through the numbers with the policyholder and their advisor — no pressure, ever.
Get Paid
Once accepted, we handle all the paperwork. The policyholder receives a lump-sum cash payment — typically far more than the policy’s cash surrender value.
