Options for Your Life Insurance


A hybrid settlement is a combination of the traditional and retained death benefit option. This option means you can sell a portion of your life insurance policy and retain a portion at the same time.

You will receive a cash payment now and your beneficiary receives a guaranteed percentage of the benefit when the policy ends, but you have no further obligation to pay future premiums.

Essentially, it provides needed cash without giving up the entirety of a policy. Clients often take advantage of this option to supplement their retirement while still protecting their family financially.

If this sounds like something of interest to you, reach out to an Abacus representative at 800-561-4148 and we can create the perfect policy for you. It’s that easy.

Case Example


Age 93


$750,000 Universal Life Policy

$150,000 Abacus Offer

$400,000 Retained Benefit

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, including speaking to my son to help come to 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.

Discover Other Options

Retained Benefit