Life Settlement
Blog & Resources

Life insurance can play an important role in a client’s financial plan. But the reasons for owning a policy can change over time. A client who purchased coverage years ago to protect their family, support an estate plan, or meet a business need may eventually reach a point where that coverage is no longer necessary. When that happens, advisors should consider another important question: What is it costing the client to keep the policy? At

Q4 is when year-end financial planning takes center stage. Advisors are reviewing portfolios, evaluating tax strategies, revisiting estate plans, and preparing clients for the year ahead. But one asset can easily be overlooked: life insurance. A policy purchased years ago may no longer align with a client’s financial situation or long-term goals. At Abacus Life Solutions, we believe year-end planning is a natural opportunity to give those policies another look. A Lot Can Change in

Most life insurance policyholders know one number: the death benefit. Some may also know the policy’s cash surrender value. But fewer understand that an eligible life insurance policy could potentially have another value altogether: its value on the secondary market. As Life Insurance Awareness Month continues, advisors have an opportunity to help clients better understand the policies they already own, including what those policies may be worth today. At Abacus Life Solutions, we believe understanding

Every September, Life Insurance Awareness Month highlights the important role life insurance can play in protecting families and supporting long-term financial plans. But life insurance awareness should not end once a policy is purchased. For financial advisors, this month is also an opportunity to revisit the policies clients already own and ask an important question: Does this coverage still fit the client’s financial plan today? At Abacus Life Solutions, we believe understanding an existing policy

A major change to the federal estate tax exemption is creating a new planning conversation for financial advisors and their high-net-worth clients. Beginning in 2026, the federal estate and gift tax basic exclusion amount increased to $15 million per individual, up from $13.99 million in 2025. For married couples, careful planning may allow up to $30 million of combined exemption. For some clients, that change could significantly reduce potential federal estate tax exposure. It also

Healthcare is becoming one of the biggest financial challenges facing retirees. According to Fidelity Investments’ latest Retiree Health Care Cost Estimate, a 65-year-old retiring today can expect to spend an average of $185,500 on healthcare throughout retirement, a 7.5% increase from 2025.* And that figure does not include long-term care. For advisors, the takeaway is clear. Preparing clients for retirement means thinking beyond investment returns and identifying additional sources of liquidity that can help cover