Success Stories

Abacus Life Settlements is HIPAA certified and a BBB Accredited Business with an A+ Rating. We take a unique, client-first approach to the life settlement industry to ensure that you can make an informed decision for your family’s financial future. We put you first.  

Real Financial Options, Real Life Settlement Clients

Over the last 17 years, Abacus Life has helped return over $2 billion in life insurance equity back to our clients. We are known for having the highest life insurance cash payout for policyholders in the industry. The stories below are from real Abacus Life clients, with their names altered to ensure privacy. 

Brenda, Age 78, $500,000 Universal Life Policy 

Brenda originally took out her policy to help support her children’s expenses, should the worst ever happen. Her kids have grown into self-sufficient adults since she first took out her policy, therefore, they no longer need her support in case of financial hardship. The policy has started to feel more like dead weight, and her premium payments are slowly chipping away at her retirement fund. She has plans for travel, treating her grandchildren, and even potentially buying a vacation home. Since the policy is eating away at her fund, she is becoming worried that her dreams might not become a reality. 

Because she is 78, Brenda qualifies for a traditional life settlement. She can trade her policy (and her premiums) for immediate cash or income for life.  

In Brenda’s case example, Abacus Life Services would refer her directly to a provider who would likely provide a life settlement quote in no more than 24 hours after initially contacting us. Brenda’s dreams for her retirement fund can become a reality, thanks to Abacus Life. 

Steven, age 67, $1,000,000 Term Policy 

When Steven was diagnosed with ALS, he immediately knew that he would not be able to keep paying premiums while paying for his treatment. However, it was important to Steven that his wife was left with enough money to support her retirement. This was an especially important matter to him, so he needed to weigh out all his options to ensure that he was making the right decision. 

While Steven does qualify for a traditional or hybrid settlement, his primary concern is maintaining his policy. After discussing it over with his Abacus representative, a retained death benefit settlement is a perfect fit for both his financial and health circumstances. 

By utilizing a retained death benefit settlement, Steven would be able to hold onto a substantial portion of his death benefit, without paying any further premiums. This would then allow him to focus on his medical bills and healing process, without worrying about his wife’s financial future.

Jennifer, Age 34, $250,000 Universal Life Policy 

When Jennifer was first diagnosed with cancershe knew that she would have to make some exceedingly difficult financial decisions. She resolved early on that she did not want her family burdened with medical bills and would do whatever necessary to ensure this. She learned about the concept of life settlements after confiding in a neighbor that had previously secured one with Abacus Life, though had many questions. She reached out via the Abacus website and contacted one of their representatives who broke it all down for her, helping her every step of the way. 

Jennifer’s health concerns qualify her for a range of life settlement options, but the one best suited for her needs is a hybrid life settlement. She can trade in her policy for a combination of cash now, and a retained death benefit.  

By taking advantage of a hybrid life settlement, Jennifer can focus on healing. She does not have to stress paying her medical expenses and is happy knowing that her family will be taken care of financially, should the worst happen.  

Pete, Age 75, $250,000 Universal Life Policy 

Pete and his wife Jeannine were reviewing their finances after several years of retirement, and they noticed a worrying trend. They were spending money far too quickly to maintain their retirement. They lost track of their budget and were worried about the years to come. 

He Googled life insurance settlement firms and found that Abacus was ranked at the top of the charts in helping people just like him get back on track. After speaking with an Abacus representative, he learned that his age and current circumstances make him a great applicant for an income for life settlement. He can trade in his premiums, one of his largest expenses, for a permanent income source.  

The income for life settlement is perfect for Pete and Jeannine. They can focus on enjoying their golden years instead of stressing over their retirement fund. Within only a month of contacting Abacus, they have a new lease on life.  

*On average, an offer is generated 14-21 days after receiving an insured’s application. After an offer is accepted, funds are typically available in a client’s bank account within 21 days. These numbers are based on the most recent six months of cases closed by Abacus. 

**The average percent of face value paid by Abacus for a policy is 23.3%. This number can fluctuate greatly based on an individual’s specific impairments and age. 

Abacus Life
4.8
Based on 44 reviews
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Kent Watts
Kent Watts
21:01 02 Sep 21
My decision to sell my Mother's life insurance policy was multifaceted, but it came down to cash flow. I also didn't... want to feel like I was waiting for Mom to pass on so there would be a pay out. That was weird to me. Now we can just concentrate on caring for her with unconditional love as it should be. You only have one Mother.Courtney Pezzopane was the most genuinely delightful and cheery Account Executive I have ever dealt with and she went out of her way to make the process actually enjoyable. Thank you to Courtney and all at Abacus Life.read more
Ju Environmental Artist
Ju Environmental Artist
19:34 17 Aug 21
I have nothing but praise for the professional manner in which the sale of my term life insurance policy was handled by... Abacus Life agent Mr. Ryan Ambrose and his team. Like many persons, I was apprehensive at the beginning of the process but as time went on, Mr. Ambrose took the time and displayed the skill to calm my fears and inspire the most confidence in the decision I made. I was extremely pleased with the ultimate monetary benefit that I ultimately received from Abacus. I would not hesitate to recommend Mr. Ambrose and Abacus to anyone considering the sale of a personal life insurance product.read more
David Bellitti
David Bellitti
16:47 10 Aug 21
Selling your life insurance policy is not an easy decision to makeespecially if you have had it for a long time. I... feel fortunate thatI found Abacus Life and a great agent, Samantha Nicklaus. The processwas orderly and efficient. Samantha made it a breeze. She stays righton top of things and will keep you in the loop at all times. If I could give my review more than 5 stars I would!!read more
Craig Dante
Craig Dante
21:50 13 Jul 21
Extremely happy with Ryan, who helped me from start to finish, explaining everything I needed to know. He was... professional, attentive and was always available for questions. I felt he had my best interest at heart throughout the entire process. I highly recommend Abacus to anyone!read more
Laura Davis
Laura Davis
20:51 24 Jun 21
Ashleigh Hammond helped me get an offer for my life insurance policy that I felt was very fair and even exceeded my... expectations. Abacus was super professional, easy to work with and everything was completed in a timely manner. I’m grateful for the service they offer, the care and concern they showed in trying to do what was in my family’s best interest. I highly recommend them!read more
Darryl Knapp
Darryl Knapp
06:33 28 Feb 21
My sister asked me to look for a settlement for one of their policies for her husband, who was diagnosed with cancer.... Within two weeks of contacting Shane and Colin at Abacus, the money was in my sister's account and an amount that was above what she was hoping to get. Absolute professional and expeditious service from start to end.read more
Ralph Goudy
Ralph Goudy
20:06 11 Aug 20
I really appreciate the professionalism that Ryan brought to my inquiry. Having never done a life settlement, Ryan... took the time I needed to understand. He then helped me navigate through the process. Personally, I feel Ryan addressed my questions and needs as I would want any professional to do. He did that but also went "above and beyond" when needed. Thanks to Abacus and Ryan for moving me forward.read more
PASQUALE GENOVA
PASQUALE GENOVA
17:05 10 Aug 20
RYAN AMBROSE WAS A TRUE PROFESSIONAL IN HANDLING THE CONCERN FOR MY NEEDS. I RECOMMEND HIGHLY IN ALL AREAS OF CUSTOMER... SERVICE. GREAT JOB.read more
Peggy Picallo
Peggy Picallo
21:21 18 Jun 20
When you purchase a life insurance policy and make your payments year after year, you have a certain peace of mind that... you have ensured your loved ones will receive monetary support upon your passing and that this last gift may help them in a very significant way. I had that wonderful peace of mind for over 30 years. Then I was suddenly informed that my premiums were increasing from under $1000 to $6000 making it impossible for me to maintain this policy. As an immigrant woman who had become a widow at a young age and raised my family by myself, I had always been so proud of my ability to maintain this policy for my children. But that pride was destroyed when I opened a very confusing letter from my insurance carrier.Then Ryan Ambrose came into the picture and threw me a lifeline when I needed it most. Ryan was dedicated to helping me work through the necessary paperwork. From our first phone call, he was supportive and reassuring every step of the way. His sense of humor and charm have made this life settlement process more enjoyable than I would have ever thought possible. Abacus is a truly lucky organization to have such a wonderful team member and I hope the management team appreciates all he does to make life easier and less stressful for their customers.Kindest regards,Edith Picalloread more
Russ Moore
Russ Moore
19:45 29 May 20
As I can tell from the reviews posted here and my own experience, Abacus is a top notch company. I was looking for... information on selling a policy and didn't know much about the process. My account manager, Ryan Ambrose, did an excellent job in explaining the concepts, researching my policy and communicating on an ongoing basis throughout the process. Not to mention his friendly demeanor and positive attitude! I can highly recommend Abacus and Ryan if you are looking for Life Settlement services!read more
Ryan Hofmeister
Ryan Hofmeister
21:01 07 May 20
Abacus Life is absolutely the best company of its kind out there, bar none. No other company even comes close. Hunter... was great, stayed in contact with me through the entire process and always had the right answers. I had estimates from five companies and Abacus Life and Hunter were the best. Don't even waste your time with the other companies.Thanks Again Hunter,Ryanread more
Brace67
Brace67
21:23 05 Feb 20
The agent I worked with at Abacus, Benjamin To, was polite, knowledgeable, and professional at all times. He proved... invaluable to me as we worked through the process. Abacus offer to purchase my life insurance policy was considerably higher than one of their principal competitors. .read more
Robert Spangler
Robert Spangler
22:09 10 Jan 19
The folks at Abacus were a Godsend for me. I have stage 4 lung cancer and a heart condition. I was deeply in debt and... my life insurance payments were becoming a financial burden. I read about viatical settlements and did research. I checked with numerous companies about numerous ways of selling my life insurance plan. Abacus Settlements was by far the best deal for me. I am now debt free and my wife and I have purchased our dream Log Cabin. I have no idea how long God will allow me, but Abacus has made what time I have much more enjoyable. My contact, Renee Fulsom was a pleasure to work with, very knowledgeable and pleasant. I highly recommend Abacus Settlements. One great advantage Abacus has, is they advance you 10% of your settlement while you wait for the final details. My wife and I had a great trip to Yellowstone while we waited for our final payment.read more
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