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 you can make an informed decision for your family’s financial future.

Real Financial Options, Real Life Settlement Clients

Over the last 15 years, Abacus Life has helped return over $2 billion in life insurance equity back to our clients. 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 then, and no longer need her support in case of financial hardship. The policy has started to seem more and more like dead weight and her premium payments are slowly chipping away at her retirement fund. 

Since 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 no more than 24 hours after initially contacting us. 

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

When Steven was diagnosed with ALS he immediately knew that he wouldn’t 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. 

While Steven does qualify for a Traditional or Hybrid Settlement, his primary concern is maintaining his policy. A Retained Death Benefit Settlement is a perfect fit for his financial and health circumstances. 

By utilizing a Retained Death Benefit settlement Steven would be able to hold onto a large portion of his death benefit, without paying any further premiums. Allowing him to focus on his medical bills and healing without worrying about his wife’s financial future. 

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

When Jennifer was diagnosed with cancer she knew that she would have to make some very difficult financial decisions. She resolved early on that she didn’t want her family burdened with medical bills. She found out about Life Settlements after confiding in a neighbor that had previously secured one. 

Jennifer’s health concerns qualify her for a range of Life Settlements, but the one best suited for her needs is a Hybrid Life Settlement. She is able to 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 doesn’t have to stress about paying her medical expenses, and her family will be taken care of financially if the worst happens. 

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

Pete and his wife Jeannine were reviewing their finances after several years of being retired, and they began to notice a worrying trend. They were spending money far too quickly to maintain their retirement. 

Pete’s age and circumstances make him a great applicant for an Income For Life Settlement. He is able to trade in his premiums, one of his largest expenses, for a permanent income source. 

Income For Life is perfect for Pete and Jeannine. They can focus on enjoying their Golden Years instead of stressing over their retirement fund. within 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
Based on 36 reviews
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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 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 more
17:05 10 Aug 20
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
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 more
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