Hybrid Life
Settlement
Receive a cash payment today and keep a guaranteed portion of your policy's death benefit for your loved ones — without paying another premium.
What Is a Hybrid Life Settlement?
A Hybrid Life Settlement combines the best features of a traditional life settlement and a retained death benefit. You receive a partial cash payment today, while your beneficiaries are guaranteed a set percentage of your policy's death benefit in the future — and you never pay another premium.
The buyer takes over all future premium obligations the moment the settlement closes. You walk away with cash in hand and the peace of mind that your loved ones are still protected.
This option is ideal for policyholders who need some liquidity now but don't want to completely give up the protection their policy provides for their family.
Who is it best for?
The Hybrid settlement is ideal for policyholders who:
- Need cash to cover current expenses but still want to leave a legacy
- Are burdened by premium payments they can no longer sustain
- Have dependents or beneficiaries who rely on some level of death benefit
- Want the flexibility of a cash payment without surrendering all coverage
- Are comparing the hybrid against both the traditional and RDB options
Key Facts
How a Hybrid Settlement Works
The process mirrors a traditional settlement — but at closing, you receive both a cash payment and a guaranteed death benefit for your beneficiaries.
Submit Your Policy Information
Use our free online calculator or call us. We collect details about your policy, health, and financial goals — no commitment required.
Receive Your Hybrid Offer
Abacus delivers a no-obligation offer showing your cash payment amount and the guaranteed death benefit percentage your family will retain.
Review & Accept
Review the offer with your family or advisor. If you accept, we handle all paperwork and coordinate directly with your insurer.
Cash Paid. Legacy Secured.
Your lump-sum payment is deposited at closing. Premiums stop immediately. Your beneficiaries' guaranteed payout is locked in.
The Hybrid in Action
After several bad experiences with other companies, Violet was understandably skeptical that selling her life insurance policy was right for her until she met Shane.
Shane has worked at Abacus since 2004, helping people just like Violet understand what options are available to them. Shane, like everyone at Abacus, works hard to make sure every client is comfortable throughout the entire process. That means spending time on the phone with each client, talking through the process, answering questions, and building a relationship based on honesty, consistency, and transparency.
"Shane was so efficient and had an extremely friendly demeanor. He went out of his way to make sure everything went smoothly, even taking the time to speak with my son to help facilitate a great experience," said Violet. "Shane broke down the intricacies of the entire process so well. He made it a painless experience."
Violet is the first to admit she had no idea how to sell her life insurance policy when she started researching the possibility. She had one bad experience after another, recounting how one broker was "very condescending, and made me feel generally foolish," before finding Abacus.
"Shane made everything extremely easy for me, it was genuinely a pleasure. I immediately trusted him and genuinely felt like he cared for me," said Violet.
"They are so warm and kind — I would not hesitate at all to recommend Abacus to all of my friends and family."
Abacus offered Violet $150,000 in cash and she maintained $400,000 in retained benefit.
Violet, Age 93
"They are so warm and kind — I would not hesitate at all to recommend Abacus to all of my friends and family."
Violet received $150,000 in cash at closing while keeping $400,000 in guaranteed retained benefit for her family — all without paying another premium.
Everything You Get with a Hybrid Settlement
A Hybrid settlement with Abacus gives you the flexibility of cash today and the security of a protected legacy.
- Immediate lump-sum cash payment at closing — use it however you choose.
- Guaranteed death benefit percentage for your beneficiaries — locked in at settlement.
- All future premiums paid by the buyer — zero ongoing financial obligation for you.
- Death benefit paid tax-free to named beneficiaries as a lump sum.
- No obligation to accept — review your offer at your own pace.
- HIPAA-certified privacy — your health and financial information is always protected.
- Licensed in 49 states — fully regulated in all states except Alaska.
Abacus by the Numbers
As a publicly traded direct buyer (NYSE: ABX), Abacus Life is one of the most trusted names in life settlements.
Not Sure the Hybrid Is Right for You?
Compare all three options side by side — Traditional, Retained Death Benefit, and Hybrid.
Compare All OptionsHybrid vs. Other Settlement Options
See how the Hybrid compares to the other two settlement types to find the right fit for your goals.
Traditional
Sell your full policy for maximum cash now. No death benefit is preserved. Best when you need full liquidity and no longer need to provide for beneficiaries.
Retained Death Benefit
No cash payment, but premiums are eliminated and beneficiaries keep a guaranteed percentage of the death benefit. Best when legacy is the priority.
Hybrid
Receive a partial cash payment now and keep a guaranteed death benefit percentage for your beneficiaries. The flexible middle-ground option.
