# Abacus Life > A Direct Buyer of Life Insurance Policies > Generated by All in One SEO Pro v5.0.4, this is an llms-full.txt file, used by LLMs to index the site. ## Posts ### [How Life Settlements Can Support Charitable Giving Strategies](https://abacuslifesettlements.com/life-settlements-charitable-giving/) **Published:** October 14, 2026 **Author:** Admin **Content:** As the end of the year approaches, charitable giving becomes an important part of financial planning conversations. Advisors are helping clients evaluate donations, revisit financial goals, and explore ways to support the organizations and causes that matter most to them. But one potential source of charitable funding may be overlooked: **an existing life insurance policy.** At **[Abacus Life](https://abacuslifesettlements.com/calculate/)**, we believe policies that no longer serve their original purpose may present an opportunity to support new financial priorities, including charitable giving. ## Looking Beyond Traditional Charitable Donations When clients think about charitable giving, they often consider donating cash, securities, or other assets. However, an existing life insurance policy may also play a role in their charitable giving strategy. A client may have purchased coverage decades ago for income replacement, estate planning, or business protection. Over time, those needs may have changed, leaving them with a policy they no longer need. Rather than surrendering or lapsing the coverage, eligible policyholders may have another option worth exploring. ## Turning an Unneeded Policy Into Charitable Funding A life settlement allows a policyholder to sell an existing life insurance policy to a third party in exchange for a lump-sum payment. For qualifying policies, the proceeds may exceed the policy’s cash surrender value while eliminating future premium obligations. Those funds can then be redirected toward other financial priorities, including charitable contributions. For example, a client who no longer needs a large life insurance policy could potentially use a portion of the settlement proceeds to support a favorite nonprofit, establish a charitable giving fund, or contribute to a cause that reflects their personal values. Instead of maintaining coverage that no longer fits their financial plan, the client may be able to put that policy’s value toward something meaningful today. ## Why Charitable Giving Deserves a Place in Policy Reviews As advisors conduct year-end planning conversations, charitable goals can be an important reason to revisit existing life insurance. Consider asking: - Does the client still need the original death benefit? - Has the client’s estate or legacy plan changed? - Are ongoing premiums still justified? - Does the client have charitable organizations they would like to support? - Could a life settlement help fund those goals? A policy review can help determine whether keeping the coverage, donating the policy itself, or exploring a life settlement better aligns with the client’s objectives. These approaches have different financial and tax considerations, so advisors should coordinate with qualified tax and legal professionals before recommending a strategy. ## Creating an Impact During the Client’s Lifetime Traditional life insurance planning often focuses on providing financial support after the insured passes away. But for clients who no longer need their coverage, a life settlement may create an opportunity to make a difference during their lifetime. Settlement proceeds could help clients support charitable initiatives, contribute to community organizations, or participate in philanthropic efforts they can see firsthand. For clients whose financial priorities have shifted from wealth protection to giving back, this may offer another way to align existing assets with their goals. ## Make Charitable Giving Part of the Year-End Conversation Year-end planning is an opportunity to evaluate more than investment portfolios and tax strategies. It is also a chance to make sure clients are using their existing assets in ways that reflect their current priorities. For some, an unneeded life insurance policy may represent an additional source of liquidity that could help support meaningful charitable goals. **Before a client surrenders or lapses a policy, consider whether its potential value could help make a difference elsewhere.** ## Discover What Your Client’s Policy Could Be Worth If your client has an existing life insurance policy that may no longer serve its original purpose, a policy valuation can help identify available options. [**Try Abacus Life’s free policy valuation calculator to see whether your client’s policy may qualify for a life settlement.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [When Does Keeping a Life Insurance Policy Stop Making Financial Sense?](https://abacuslifesettlements.com/when-does-keeping-a-life-insurance-policy-stop-making-financial-sense/) **Published:** October 7, 2026 **Author:** Admin **Content:** 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 **[Abacus Life Solutions](https://abacuslifesettlements.com/calculate/)**, we believe evaluating an existing policy should include both its potential value and the ongoing cost of maintaining it. ## The Cost Goes Beyond the Premium Premiums are the most obvious cost of maintaining life insurance, but they are not the only consideration. For a client in retirement, every dollar committed to an unnecessary policy is a dollar that cannot be directed toward another financial priority. Those funds could potentially be used for: - Retirement income - Healthcare or long-term care expenses - Investments - Family or charitable goals - Other financial needs This opportunity cost becomes increasingly important when premiums rise or a client’s income and priorities change. ## Does the Original Need Still Exist? Before deciding whether a policy is still worth maintaining, advisors should revisit why it was purchased in the first place. Perhaps the policy was intended to replace income while children were financially dependent. Maybe it supported an estate plan, business succession strategy, or another need that has since changed. Consider asking: - Does the client still need the death benefit? - Are the beneficiaries still dependent on the coverage? - Have estate or legacy goals changed? - Are premiums becoming difficult to justify? - Could those dollars serve a more important purpose elsewhere? The goal is not to assume an older policy is unnecessary. It is to make sure the reason for keeping it still aligns with the client’s financial plan today. ## Keeping the Policy Is Not the Only Option If the coverage no longer makes financial sense, clients may assume their choices are limited to surrendering the policy or allowing it to lapse. For eligible policyholders, a life settlement may provide another option. A life settlement allows a policyholder to sell an existing life insurance policy for a lump-sum payment. The buyer assumes responsibility for future premiums and receives the death benefit when the insured passes away. For qualifying policies, the proceeds may exceed the policy’s cash surrender value while also eliminating future premium obligations. ## Look at Both Sides of the Equation When reviewing an existing policy, advisors should consider both sides of the decision. **What value is the policy still providing, and what is the client spending to maintain it?** For some clients, continuing coverage will remain the right choice. For others, changing financial priorities and ongoing premiums may make it worth exploring alternatives. A policy valuation can provide additional information before the client makes a final decision. ## Is the Policy Still Worth Keeping? Life insurance should continue to serve a purpose within a client’s financial plan. If that purpose has changed, advisors have an opportunity to revisit the coverage, evaluate the ongoing cost, and make sure clients understand all of their available options. **Before your client pays another year of premiums on coverage they may no longer need, consider finding out what the policy could be worth.** ## See What Your Client’s Policy Could Be Worth If a client is questioning whether an existing policy is still worth maintaining, a policy valuation can help inform the conversation. [**Try Abacus Life’s free policy valuation calculator to see whether your client’s policy may qualify for a life settlement.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [Q4 Is Here: Why Year-End Planning Should Include a Life Insurance Review](https://abacuslifesettlements.com/q4-is-here-why-year-end-planning-should-include-a-life-insurance-review/) **Published:** September 30, 2026 **Author:** Admin **Content:** 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](https://abacuslifesettlements.com/calculate/)**, we believe year-end planning is a natural opportunity to give those policies another look. ## A Lot Can Change in a Year A client may have retired, sold a business, experienced a change in health, updated an estate plan, or simply shifted their financial priorities. As advisors conduct Q4 reviews, consider asking: - Does the client still need the original death benefit? - Have premiums become more difficult to justify? - Have estate or legacy goals changed? - Does the policy still support the client’s current financial objectives? - Does the client understand all of their options? Sometimes the answers will reinforce the decision to keep the coverage. Other times, they may indicate that it is worth exploring alternatives. ## Make Life Insurance Part of the Year-End Review Advisors regularly evaluate investments to make sure they remain aligned with a client’s goals. Existing life insurance deserves similar attention. A client may have purchased coverage decades ago for income replacement, estate planning, or business succession. Today, that original need may have changed or disappeared entirely. Q4 provides an opportunity to determine whether the policy still serves its intended purpose. ## Before Surrendering or Lapsing, Understand the Options If a review reveals that coverage is no longer needed, surrendering or lapsing the policy may seem like the obvious next step. For eligible policyholders, a life settlement may provide another option. A life settlement allows a policyholder to sell an existing policy for a lump-sum payment. For qualifying policies, the proceeds may exceed the cash surrender value while eliminating future premium obligations. A policy valuation can help advisors and clients understand whether this option is worth considering before making a final decision. ## Start the New Year With the Right Strategy Year-end planning is an opportunity to make sure every part of a client’s financial strategy still works together. Adding life insurance to the Q4 review can help advisors identify policies that remain valuable, as well as policies that may deserve a different strategy. **Before another year begins, make life insurance part of the year-end planning conversation.** ## Give Your Clients’ Policies a Year-End Review If a policy may no longer fit a client’s financial goals, consider evaluating its potential value before surrendering or lapsing the coverage. [**Try Abacus Life’s free policy valuation calculator to see whether your client’s policy may qualify for a life settlement.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [Beyond the Death Benefit: What Is a Life Insurance Policy Worth?](https://abacuslifesettlements.com/beyond-the-death-benefit-what-is-a-life-insurance-policy-worth/) **Published:** September 23, 2026 **Author:** Admin **Content:** 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](https://abacuslifesettlements.com/calculate/)**, we believe understanding the value of an existing policy can be an important part of making informed financial decisions. ## One Policy, Different Types of Value A life insurance policy can have different values depending on what happens to it. Understanding the distinction can help advisors and clients evaluate their options more effectively. **Death Benefit** The death benefit is the amount the insurance company pays to beneficiaries when the insured passes away, assuming the policy remains in force and applicable requirements are met. **Cash Surrender Value** For policies that accumulate cash value, the cash surrender value is generally the amount available to the policyholder if they surrender the policy to the insurance company, subject to the policy’s terms, loans, fees, and other adjustments. **Potential Life Settlement Value** For eligible policies, there may also be value in the secondary market. A life settlement allows a policyholder to sell their policy to a third party for a lump-sum payment. The buyer assumes responsibility for future premiums and receives the death benefit when the insured passes away. A life settlement offer may exceed the policy’s cash surrender value, although eligibility and offers vary based on the individual policy and insured. ## Why Cash Surrender Value May Not Tell the Whole Story When a client decides they no longer need or want a policy, surrendering it to the carrier may seem like the obvious next step. But before making that decision, it can be worthwhile to determine whether the policy qualifies for a life settlement. A policy’s potential secondary-market value can depend on several factors, including: - The insured’s age and health - Policy type and death benefit - Current and projected premiums - Policy performance - Other policy-specific factors This is why two policies with similar death benefits may have very different potential settlement values. ## When Should Advisors Consider a Policy Valuation? A policy valuation can be particularly relevant when a client is considering surrendering or lapsing coverage. It may also make sense when a client: - No longer needs the original death benefit - Is facing increasing or burdensome premiums - Has experienced a change in health - Has updated an estate or legacy plan - Has sold a business or completed a succession plan - Wants additional liquidity for retirement, healthcare, or other financial priorities A valuation does not mean a client has to sell. It simply provides another piece of information that can help them compare their options. ## Awareness Means Knowing What You Own **[Life Insurance Awareness Month](https://abacuslifesettlements.com/life-insurance-awareness-month-isnt-just-about-buying-more-insurance/)** is about understanding the role life insurance plays in a financial plan. That should include more than knowing the death benefit. For clients with policies they no longer need or are considering surrendering, understanding the policy’s potential secondary-market value can help ensure they have more information before making a decision. Sometimes the right choice will be to keep the coverage. Other times, surrendering it may make sense. And for eligible clients, a life settlement may provide another alternative worth considering. The important part is knowing the options before making the decision. ## Find Out What Your Client’s Policy Could Be Worth Your client may know their death benefit and cash surrender value. But do they know what their policy could be worth on the secondary market? [**Try Abacus Life’s free policy valuation calculator to get an estimate and see whether your client’s policy may qualify for a life settlement.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [The Silver Tsunami Is Here, Are Advisors Ready?](https://abacuslifesettlements.com/the-silver-tsunami-is-here-are-advisors-ready/) **Published:** April 7, 2026 **Author:** Andrew Brown **Content:** The retirement landscape is shifting rapidly, and with it, a massive opportunity is emerging for financial advisors who are prepared to adapt. At **[Abacus Life](https://abacuslifesettlements.com/calculate/)**, we’re seeing firsthand how demographic trends are reshaping client needs and creating new ways to unlock value from existing assets, especially life insurance. Every day, roughly 10,000 Americans turn 65. This “Silver Tsunami” isn’t just a headline, it’s a structural shift that will impact retirement planning, income strategies, and asset optimization for decades to come. The question is: are advisors ready to meet this moment? ### A Growing Wave of Underutilized Assets As millions of Americans enter retirement, many carry life insurance policies that no longer serve their original purpose. - Policies purchased for income replacement may no longer be needed - Premiums become burdensome on fixed incomes - Coverage may no longer align with estate or legacy goals Historically, the default outcome has been simple: lapse or surrender the policy. But that default leaves significant value on the table. What many advisors, and clients, don’t realize is that these policies are often valuable, underperforming assets that can be repositioned to better support retirement goals. ### The Retirement Income Gap Is Real At the same time, retirees are facing increasing financial pressure: - Longer life expectancies - Rising healthcare and long-term care costs - Market volatility impacting portfolio withdrawals This creates a critical need for non-traditional income sources, especially those that don’t rely on selling market-based assets at the wrong time. This is where life settlements come into play. ### From Forgotten Policy to Financial Resource A life settlement allows a policyholder to sell their life insurance policy for a cash payout greater than the surrender value. Instead of lapsing a policy for little or no return, clients can convert it into: - Supplemental retirement income - Long-term care funding - Debt reduction - Reinvestment opportunities For advisors, this transforms life insurance from a static product into a dynamic planning tool. ### Why This Matters Right Now The convergence of two powerful forces makes this moment especially important: **1. Demographic Pressure** The sheer volume of aging policyholders means more clients will face decisions about what to do with existing coverage. **2. Awareness Gap** Many clients still don’t know life settlements exist, and many advisors aren’t proactively bringing it up. That creates a disconnect between available value and realized outcomes. Advisors who close that gap can deliver significantly better results for their clients. ### A Strategic Opportunity for Advisors Forward-thinking advisors are beginning to incorporate life settlements into their standard review process, just like they would with investments, annuities, or tax strategies. By doing so, they can: - **Uncover hidden value** in existing policies - **Differentiate their practice** with advanced planning strategies - **Deepen client trust** by identifying overlooked opportunities - **Create new revenue pathways** through expanded services Most importantly, they position themselves as [advisors who optimize every asset](https://abacuslifesettlements.com/the-hidden-asset-advisors-are-still-ignoring-in-2026/), not just the obvious ones. ### Are You Ready for the Silver Tsunami? The next decade will bring one of the largest wealth transitions in history. Advisors who recognize life insurance as an asset, not just a product, will be better equipped to help clients navigate it. The opportunity is already here. The only question is whether it’s being captured. ### Discover What Your Clients’ Policies Are Really Worth If you’re not already evaluating life insurance for settlement potential, now is the time to start. [**Try Abacus Life’s free policy valuation calculator**](https://abacuslifesettlements.com/calculate/) and see how much value may be hidden in your clients’ portfolios. **Categories:** Life Settlement Blog --- ### [How Higher Costs Are Forcing Retirees to Rethink Old Policies](https://abacuslifesettlements.com/how-higher-costs-are-forcing-retirees-to-rethink-old-policies/) **Published:** July 9, 2026 **Author:** Andrew Brown **Content:** Retirement planning has always been about balancing income, expenses, and long-term financial security. But in today’s economic environment, that balance has become increasingly difficult to maintain. From healthcare and housing to everyday necessities, rising costs are putting pressure on retirees across the country. For many, expenses that once seemed manageable are consuming a larger portion of their retirement income than expected. **[At Abacus Life](https://abacuslifesettlements.com/calculate/)**, we are seeing a growing trend among retirees and advisors alike: a closer examination of existing assets to determine whether they still make sense in today’s financial landscape. One asset that is receiving renewed attention is life insurance. As inflation continues to impact household budgets and premium costs become harder to justify, many retirees are rethinking policies they have owned for years. ## The New Reality of Retirement Costs Retirees today face a very different environment than previous generations. Many are navigating: - Higher healthcare expenses - Rising insurance costs - Increased housing expenses - Greater costs for everyday goods and services At the same time, retirement income often remains relatively fixed. Whether income comes from: - Social Security - Pensions - Retirement accounts - Investment portfolios The purchasing power of those dollars can be challenged when costs continue to rise. This has led many retirees to take a closer look at every expense, including life insurance premiums. ## When Yesterday’s Policy No Longer Fits Today’s Reality Life insurance policies are often purchased decades before retirement. At the time, the coverage may have been essential for: - Protecting a young family - Replacing income - Funding business obligations - Supporting estate planning goals But life changes. Children become financially independent. Mortgages are paid off. Businesses are sold. Retirement priorities evolve. Yet many policies remain in force long after the original need has diminished. In today’s environment, retirees are increasingly asking an important question: **Does this policy still make sense?** ## The Growing Burden of Premium Payments For many retirees, premium payments that once felt manageable now compete with other financial priorities. Every dollar allocated toward maintaining a policy is a dollar that cannot be used for: - Healthcare expenses - Travel and lifestyle goals - Long-term care planning - Emergency savings As inflation continues to affect household budgets, these tradeoffs become more significant. A policy that once felt affordable may now feel like an unnecessary financial burden. This does not automatically mean coverage should be canceled. It does mean the policy deserves a review. ## Looking Beyond Surrender or Lapse When retirees decide they no longer want a life insurance policy, many assume they have only two choices: - Continue paying premiums - Surrender or lapse the policy However, there may be another option. A life settlement allows eligible policyholders to sell their life insurance policy for a cash payment that is often greater than the surrender value. For retirees facing rising costs, this can create an opportunity to: - Improve cash flow - Eliminate future premium obligations - Generate liquidity from an underutilized asset Rather than walking away from a policy with little or no value, clients may be able to convert that asset into meaningful financial resources. ## Turning an Old Policy Into Financial Flexibility Retirement plans are strongest when they offer flexibility. Unexpected expenses are inevitable. Healthcare costs can rise. Family needs can change. Market conditions can fluctuate. Access to additional liquidity can help retirees navigate these challenges without disrupting other aspects of their financial plan. The proceeds from a life settlement may be used to: - Supplement retirement income - Fund healthcare expenses - Support long-term care planning - Build cash reserves - Improve overall financial flexibility For many retirees, this can provide both financial and emotional relief. ## Why Advisors Are Having More Policy Review Conversations As economic pressures continue, advisors are increasingly incorporating life insurance reviews into their planning process. These conversations help answer important questions: - Does the client still need the coverage? - Are the premiums still justified? - Does the policy align with current goals? - Could the policy provide greater value elsewhere? A policy review is not about selling every policy. It is about ensuring every asset is working as efficiently as possible. In many cases, simply evaluating the options can uncover [opportunities that improve a client](https://abacuslifesettlements.com/the-revenue-opportunity-hidden-inside-existing-client-portfolios/)‘s overall financial picture. ## Adapting to a New Retirement Landscape Retirement today looks different than it did even a decade ago. Longer life expectancies, rising healthcare costs, and persistent inflation are forcing retirees to make more strategic decisions about their finances. Assets that once served a clear purpose may need to be reevaluated in light of changing circumstances. Life insurance is no exception. By reviewing older policies and exploring all available options, retirees can make more informed decisions that support their current needs and future goals. ## Every Asset Should Earn Its Place One of the most valuable questions advisors can ask is simple: **If this policy did not already exist, would the client buy it today?** If the answer is no, it may be time to evaluate alternatives. In a world where every dollar matters, every asset should be contributing to a client’s financial objectives. Policies that no longer fit may still hold significant value. The key is knowing what options are available. ## Discover What Your Clients’ Policies Are Really Worth If rising costs are causing your clients to reconsider their life insurance coverage, there may be opportunities they have not yet explored. With **[Abacus Life’s free policy valuation calculator](https://abacuslifesettlements.com/calculate/)**, you can quickly assess whether a policy may qualify for a life settlement and how it could support a client’s broader retirement strategy. [**Start evaluating. Start identifying opportunities. Start delivering more value.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [The Hidden Asset Advisors Are Still Ignoring in 2026](https://abacuslifesettlements.com/the-hidden-asset-advisors-are-still-ignoring-in-2026/) **Published:** May 27, 2026 **Author:** Andrew Brown **Content:** In today’s increasingly sophisticated planning environment, advisors are expected to evaluate every aspect of a client’s financial picture. Portfolios are reviewed regularly. Tax strategies are optimized. Risk is carefully managed. But one asset continues to be overlooked far too often. **Life insurance.** **[At Abacus Life](https://abacuslifesettlements.com/calculate/)**, we see this gap every day. Policies that were once essential are now sitting idle, underperforming, or quietly lapsing without a second look. The reality is that life insurance is not just a protection tool. It is a financial asset, and in many cases, an underutilized one. ## The Awareness Gap Is Real Consider this: **Nearly 90% of seniors who let their life insurance policies lapse would have considered selling them if they had known it was an option.** That statistic points to a significant disconnect. It is not that clients are unwilling to act. It is that they are often unaware they have a choice. And in many cases, their advisor has not introduced the conversation. This creates a situation where meaningful value is left unrealized, not because of poor planning, but because of incomplete information. ## The Cost of Doing Nothing When a life insurance policy is no longer needed or becomes too expensive, the default outcomes are typically: - Letting the policy lapse - Surrendering it for minimal value Both options can result in lost opportunity. What is often missed is the third option. A life settlement allows a policyholder to sell their policy for a cash payment that is typically greater than the surrender value. Without this conversation, clients may be walking away from an asset that could: - Supplement retirement income - Help cover long term care costs - Be reinvested into more suitable strategies The cost of inaction is not always visible, but it is very real. ## A Fiduciary Conversation As the industry continues to move toward higher standards of care, the role of the advisor is evolving. Being a fiduciary is not only about making good recommendations. It is also about ensuring clients are aware of all relevant options. If a life settlement could produce a better outcome than a lapse or surrender, then it becomes part of that responsibility. This does not mean every policy should be sold. It means every policy should be evaluated. Advisors routinely review [portfolios to ensure assets are aligned with client](https://abacuslifesettlements.com/the-revenue-opportunity-hidden-inside-existing-client-portfolios/) goals. Life insurance deserves the same level of scrutiny. ## Why Life Insurance Is Still Overlooked Despite its potential value, life insurance is often treated differently from other assets. There are a few reasons for this: - It is traditionally viewed as a static product rather than a dynamic asset - Many advisors are less familiar with secondary market options - Policy reviews are not always built into ongoing planning processes As a result, policies can go years without being reassessed, even as client needs change significantly. ## A Shift in Perspective Forward thinking advisors are beginning to change how they approach life insurance. Instead of asking: “Do you still need this policy?” They are asking: “Is this policy still the best use of this asset?” That shift opens the door to new planning opportunities. When evaluated properly, a life insurance policy can become: - A source of liquidity - A tool for repositioning assets - A solution for evolving financial needs ## Turning Awareness Into Action Closing the awareness gap starts with a simple step: making life insurance part of the regular review process. This includes: - Identifying policies that may no longer align with client goals - Evaluating the cost versus benefit of keeping coverage - Exploring all available options, including life settlements By doing so, advisors can uncover opportunities that might otherwise go unnoticed. ## A Better Outcome for Clients and Advisors When life settlements are introduced into the planning process, the benefits extend beyond the client. Advisors can: - Deliver more comprehensive guidance - Strengthen client relationships - Differentiate their practice - Identify new opportunities within existing books of business Most importantly, they ensure that no asset is overlooked. ## Are You Reviewing Life Insurance Like You Review Portfolios? In a world where every basis point and every planning decision matters, overlooking an asset with potential value is no longer acceptable. Life insurance should not sit outside the planning conversation. It should be part of it. The advisors who recognize this are the ones who will deliver better outcomes and build stronger, more resilient client relationships. ## Discover What Your Clients’ Policies Are Really Worth If [life insurance is not part of your regular review](https://abacuslifesettlements.com/5-signs-a-clients-life-insurance-policy-should-be-reviewed/) process, now is the time to change that. With Abacus Life’s **[free policy valuation calculator](https://abacuslifesettlements.com/calculate/)**, you can quickly determine whether a client’s policy may qualify for a life settlement and how it could fit into their broader financial strategy. [**Start evaluating. Start identifying opportunities. Start delivering more value.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [How The One Big Beautiful Bill Act Makes Policy Audits Essential For Estate Planning](https://abacuslifesettlements.com/how-the-big-beautiful-bill-act-makes-policy-audits-essential-for-estate-planning/) **Published:** July 17, 2025 **Author:** Admin **Content:** ## **Permanent Estate Tax Breaks Will Fuel a New Wave of Life Settlement Sales — Here’s Why Policy Audits Matter More Than Ever** ### **July 2025** With the passage of the *One Big Beautiful Bill Act* the estate planning landscape has dramatically shifted as potentially permanent — and with it, the future of many life insurance policies. Under the new law, the federal estate tax exemption is permanently locked in at $13.61 million per individual and $27.22 million per married couple (Internal Revenue Code §2010(c), as amended by H.R. 7024, 2025). For thousands of wealthy families, this eliminates the primary reason they purchased large permanent life insurance policies in the first place: estate tax liquidity. ### **Unneeded Policies, Untapped Value** Now, a growing number of trust-owned and individually held policies are being reevaluated — not for coverage, but for cash. And the life settlement market is ready. Seniors with policies no longer needed for estate planning are discovering that the **secondary market may offer payouts significantly higher than surrender values** — in some cases, 4–10 times more. As this awareness grows, life settlement transactions are expected to surge, creating a potentially historic wave of policy monetizations. ### **Why Policy Audits Are Critical Now** This shift makes comprehensive life insurance audits more important than ever. But a true 2025-era audit should go beyond basic illustrations. Key elements should include: - Reduced Death Benefit Modeling – Reviewing whether the policy can be downsized to cut premiums and extend longevity. - Life Settlement Market Valuation – Getting a third-party estimate of the policy’s current market value to understand real monetization potential. - Carrier Performance Checks – Identifying policies with underperforming cash value growth or rising COI charges. Many [clients are unaware their policy is an asset](https://abacuslifesettlements.com/the-most-overlooked-asset-on-a-clients-balance-sheet/) — one that could be sold or restructured instead of surrendered or allowed to lapse. ### **The Bottom Line** With permanent estate tax relief now the law, many large insurance policies have become obsolete — but not worthless. In fact, they may be more valuable than ever. Advisors and policyholders alike should treat this moment as an opportunity: **Audit every policy. Explore every option. Know the market value.** Because the gap between a policy’s surrender value and its market value can be life-changing. To take full advantage of this market shift, advisors should partner with experts. [**Abacus Life**](https://abacuslifesettlements.com/about-us/) offers [**cost-free policy valuations**](https://abacuslifesettlements.com/) with **no obligation**. All that’s needed is a current in-force illustration, and **pricing is typically provided within 24 to 48 hours.** To read the full details of the bill click [**here**](https://www.congress.gov/bill/119th-congress/house-bill/1/text). **Categories:** Life Settlement Blog --- ### [Are Life Settlements the Next Big Alternative Asset?](https://abacuslifesettlements.com/are-life-settlements-the-next-big-alternative-asset/) **Published:** April 1, 2026 **Author:** Admin **Content:** The [**U.S. Department of Labor (DOL)**](https://www.dol.gov/newsroom/releases/ebsa/ebsa20260330. "U.S. Department of Labor (DOL)") recently announced efforts to expand access to alternative investments within retirement plans, signaling a broader shift in how investors and advisors think about value, diversification, and financial strategy (\*). While this policy focuses on retirement plans, its impact extends much further. It reinforces the fiduciary responsibility to evaluate a broader range of assets, including non-traditional investments that may offer stability and value beyond the stock market. ## **A New Perspective on Value** For many people, life insurance has always been viewed the same way: something you keep, surrender, or let lapse. But that’s no longer the full picture. As alternative financial strategies gain traction, more individuals are discovering that their [life insurance policy may be worth](https://abacuslifesettlements.com/how-much-is-a-life-settlement-worth/) more than they think. In fact, policies that are no longer needed or have become too expensive to maintain can often be sold for a meaningful cash payout through a [**life settlement**](https://abacuslifesettlements.com/learn-how-life-settlements-work/ "life settlement"). ## **Why This Moment Matters** The DOL’s recent move highlights a larger trend: investors are increasingly looking beyond traditional options and recognizing value in places that were previously overlooked. That includes life insurance and policyholders. ## **What This Could Mean to You** If you own a life insurance policy, especially one that you no longer need or find difficult to maintain, it may be worth taking a closer look. Instead of surrendering your policy for a minimal amount or letting it lapse entirely, you may be able to: - Receive a cash payment that is often significantly higher than the surrender value - Eliminate ongoing premium payments - Reallocate that money toward more immediate financial priorities The DOL’s announcement doesn’t change your policy, but it does change the environment around it. It signals a growing recognition that value exists beyond traditional financial paths. And for life insurance policyholders, that opens the door to new possibilities. At [**Abacus Life**](https://abacuslifesettlements.com/ "Abacus Life"), we’re here to help you explore those possibilities, so you can make the decision that’s right for you. Use our **[free calculato](https://abacuslifesettlements.com/qualify-a-life-settlement/ "free calculato")**r to see if a life settlement is right for you. \***<https://www.dol.gov/newsroom/releases/ebsa/ebsa20260330>.** **Categories:** Life Settlement Blog --- ### [What the Federal Rate Cut Means for Retirees](https://abacuslifesettlements.com/what-the-federal-rate-cut-means-for-retirees/) **Published:** September 19, 2025 **Author:** Admin **Content:** **September 2025** The Federal Reserve recently cut short-term interest rates by a [**quarter-point**](https://www.wsj.com/economy/central-banking/fed-cuts-rates-by-quarter-point-and-signals-more-are-likely-dba38600 "quarter-point"). While that may sound small, the effects are felt across the entire economy. For retirees, these changes can create uncertainty about the future. Lower rates often translate into smaller returns on the savings tools retirees depend on most, such as CDs, bonds, and money market accounts. For those living on fixed incomes, this shift can be a real concern. Fortunately, there are financial strategies that many retirees haven’t considered. One of the most overlooked is a life settlement. ### Why Lower Rates Impact Retirement Income A [life settlement is a financial](https://abacuslifesettlements.com/why-financial-advisors-should-recommend-life-settlements/) transaction that allows you to sell your existing life insurance policy to a licensed provider for a cash payout. The amount you receive is typically significantly higher than the policy’s cash surrender value, often four to six times more, but less than the full death benefit. In exchange, you receive a lump-sum payment you can use however you see fit. In today’s lower-rate environment, this payout can: - Supplement reduced savings income: Add back what’s lost from shrinking interest earnings. - Cover rising healthcare costs: Pay for medical bills or long-term care without tapping other assets. - Create financial flexibility: Reinvest in higher-yield opportunities, pay off debt, or simply enjoy greater freedom in retirement. ### How a Life Settlement Can Help - Supplement Reduced Savings Income: As interest earnings on CDs and savings accounts shrink, a life settlement can provide additional funds to support retirement expenses. - Cover Rising Healthcare Costs: Use proceeds to pay for medical bills or long-term care. - Create Financial Flexibility: Reinvest in higher-yield opportunities, pay off debt, or simply enjoy greater freedom in retirement. ### Take the Next Step Lower interest rates don’t have to mean less financial security. Ultimately, selling your life insurance policy is ***your*** personal financial decision. At **[Abacus Life](https://abacuslifesettlements.com/about-us/)**, we take the extra time to make sure that all of our clients are confident in their decision to obtain a life settlement. We want to ensure all questions are answered every step of the way and remain honest and transparent throughout the entire process. Use our ***[Life Settlement Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/ "Life Settlement Calculator")*** today to receive a free, no-obligation estimate and learn if this option is right for you. **Categories:** Life Settlement Blog --- ### [Why Life Settlements Are Becoming a Core Planning Tool](https://abacuslifesettlements.com/why-life-settlements-are-becoming-a-core-planning-tool/) **Published:** April 30, 2026 **Author:** Andrew Brown **Content:** For years, life settlements have been viewed as a specialized or situational strategy, something used only in unique cases or by a small subset of advisors. But that perception is rapidly changing. **[At Abacus Life](https://abacuslifesettlements.com/calculate/)**, we’re seeing a clear shift across the industry. Life settlements are evolving from an “alternative idea” into a **core component of modern financial planning.** Driven by market growth, increased investor demand, and greater advisor awareness, this strategy is becoming part of the standard conversation. The question is no longer *if*  life settlements should be considered. It is *when*. ## A Market That’s Grown Up The life settlements market has matured significantly over the past decade. What was once fragmented and less understood has become: - More transparent - More efficient - More widely accepted At the same time, the market continues to expand steadily, supported by a growing base of institutional investors seeking alternative assets. This maturation has led to: - Increased competition among buyers - More consistent pricing for policies - Improved processes and turnaround times For advisors, that means greater confidence in both execution and outcomes. ## Investor Demand Is Driving Momentum One of the biggest forces behind this evolution is investor demand. Institutional investors, ranging from hedge funds to pension funds, are increasingly allocating capital to life settlements because of their unique characteristics: - Returns that are not tied to traditional markets - Predictable, actuarially driven outcomes - Portfolio diversification benefits This demand has transformed the life settlements space into a robust secondary market. And when demand increases, so does opportunity: - More buyers competing for policies - Stronger valuations for clients - Greater liquidity overall In short, the infrastructure now exists to support life settlements as a reliable planning strategy, not just a one off solution. ## The Shift in Advisor Mindset Historically, many advisors approached life insurance with a binary mindset: - Keep the policy - Or let it lapse Life settlements introduce a third option, and that third option is becoming too valuable to ignore. Today’s leading advisors are asking different questions: - Is this policy still aligned with the client’s goals? - Is it performing as efficiently as possible? - Could this asset be redeployed more effectively? This shift represents a broader evolution in [financial planning,](https://abacuslifesettlements.com/longevity-is-reshaping-financial-planning-and-creating-new-opportunities-for-advisors/) one where **every asset is evaluated for its highest and best use**. ## From Alternative Strategy to Standard Practice As awareness grows, life settlements are moving into the mainstream of financial planning conversations. They are increasingly being considered alongside: - Retirement income strategies - Tax planning opportunities - Estate and legacy planning - Long term care funding solutions In many cases, they are not a last resort, but an intentional strategy used to optimize outcomes. This is what industry maturation looks like: - More advisors proactively introducing the concept - More clients understanding their options - More consistent integration into planning processes ## Why This Matters for Advisors The evolution of life settlements creates a significant opportunity for advisors who are willing to embrace it. By incorporating life settlements into their practice, advisors can: - Deliver more comprehensive advice by evaluating all client assets - Differentiate themselves in a competitive landscape - Identify new planning opportunities within existing client relationships - Enhance client outcomes through better asset utilization Just as importantly, it positions advisors as forward thinking professionals who are aligned with how the industry is evolving. ## The Risk of Standing Still As life settlements become more widely adopted, there is also a growing risk for advisors who do not engage with the strategy. Clients are becoming more informed. Competitors are becoming more proactive. And alternative channels are increasing awareness. Advisors who fail to bring life settlements into the conversation may risk: - Missing opportunities for their clients - Leaving value unaddressed - Falling behind more progressive peers In a maturing market, inaction can become a disadvantage. ## Making Life Settlements Part of Your Process The transition from niche to core strategy does not require a complete overhaul. It starts with a simple shift: **Treat life insurance like any other asset.** That means: - Reviewing policies regularly - Assessing performance and relevance - Exploring all available options, not just the traditional ones When life settlements become part of that standard review process, new opportunities naturally emerge. ## A New Standard in Financial Planning The financial planning industry is constantly evolving, and strategies that once sat on the fringes often move into the mainstream as markets mature. Life settlements are following that exact path. What was once considered an alternative is quickly becoming: - A necessary conversation - A valuable planning tool - A standard part of comprehensive advice Advisors who recognize this shift early will be better positioned to deliver value, both now and in the years ahead. ## Discover What Your Clients’ Policies Are Really Worth As life settlements become a core part of modern planning, the first step is understanding the opportunity. With Abacus Life’s **[free policy valuation calculator](https://abacuslifesettlements.com/calculate/)**, you can quickly determine whether a client’s policy may qualify and how it could contribute to their broader financial strategy. [**Start evaluating. Start identifying opportunities. Start delivering more value.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [Why Life Settlements Are an Essential Element of Retirement Planning](https://abacuslifesettlements.com/why-life-settlements-are-an-essential-element-of-retirement-planning/) **Published:** January 22, 2024 **Author:** Admin **Content:** Imagine a retirement that’s not just comfortable, but financially freeing. It’s a dream many aspire to, yet only a few discover the unconventional paths that lead there. Within the fine print of your life insurance policy lies one such hidden gem – a potential ticket to a more secure and enriching retirement. [**Life settlements**](https://abacuslifesettlements.com/learn-how-life-settlements-work/), often overlooked in financial strategies, are a way to unlock the dormant value of policies you’ve diligently paid into for years. This concept in retirement planning is like finding a secret door in a familiar room. It’s not about making do with less or scaling back your aspirations. It’s about realizing the full potential of assets you already possess and viewing them through a fresh lens. This revelation doesn’t just bring financial relief; it illuminates your golden years, transforming the everyday into something truly remarkable. ## Understanding Life Settlements Life settlements have a **[rich history](https://abacuslifesettlements.com/timeline-of-life-settlements/)**, evolving from an overlooked option to a significant strategy in financial and retirement planning. The journey of life settlements began with a crucial legal recognition in the early 20th century. The Grigsby vs. Russell (1911) Supreme Court case established that life insurance policies are personal property and can be sold and transferred, setting a precedent for the life settlement industry. Initially, life settlements were primarily a means for terminally ill individuals to secure funds. Over time, this concept expanded to serve a broader demographic, especially seniors seeking to maximize their retirement assets. Today, life settlements are recognized for their role in enhancing financial flexibility for policyholders who no longer need or can afford their life insurance policies. A key player in this evolving market is **[Abacus Life (ABL)](https://abacuslifesettlements.com/about-us/)**, a pioneering company in the life settlement industry. Since its inception in 2004, Abacus Life has specialized in the purchase and management of life insurance products, offering liquidity solutions to policyholders.  According to the industry publication, ***[The Deal](https://www.thedeal.com/),* which produces an annual Life Settlement Report compiled from state DOI statistics, [**Abacus Life pays the most**](https://abacuslifesettlements.com/abacus-pays-the-most/) **— ranking #1 in provider payouts for 2024.** In fact, since 2017, we’ve paid **$1.2 billion to policyholders**, helping clients unlock meaningful value from policies they may have otherwise surrendered or lapsed. By the end of this year, **we are set to deploy** ****$150 million.**** ## Financial Benefits of Life Settlements Life settlements can offer significant financial benefits, especially for retirees looking to enhance their financial stability. Understanding these benefits is key to recognizing why life settlements are becoming an increasingly popular component in retirement planning. ## Life Settlements in Retirement Planning Incorporating life settlements into retirement planning opens up new avenues for strategic financial management. These [settlements can serve as a powerful tool](https://abacuslifesettlements.com/why-life-settlements-are-becoming-a-core-planning-tool/), complementing other retirement strategies and addressing specific needs unique to the retirement phase. **[Life settlements](https://abacuslifesettlements.com/learn-how-life-settlements-work/)** stand out as a transformative element in retirement planning, offering a unique blend of financial freedom and security. This approach goes beyond conventional financial strategies, turning a dormant life insurance policy into an active asset that can significantly enhance one’s retirement years. For many, the decision to opt for a life settlement could be the pivotal move that unlocks new opportunities and eases financial burdens. In the ever-evolving journey of retirement, recognizing and harnessing the potential of life settlements might just be the smart, forward-thinking choice that leads to a more prosperous and fulfilling future. **Categories:** Life Settlement Blog --- ### [Why Volatile Markets Are Changing the Way Advisors Think About Liquidity](https://abacuslifesettlements.com/why-volatile-markets-are-changing-the-way-advisors-think-about-liquidity/) **Published:** July 29, 2026 **Author:** Andrew Brown **Content:** Market volatility has become a defining feature of today’s financial landscape. From shifting interest rates and inflation concerns to geopolitical uncertainty and market swings, investors are navigating an environment where stability can feel increasingly difficult to find. For financial advisors, this has led to a growing focus on one critical planning priority: liquidity. **[At Abacus Life](https://abacuslifesettlements.com/calculate/)**, we are seeing more advisors rethink how they approach liquidity planning and explore nontraditional assets that can provide clients with greater financial flexibility. One opportunity that continues to gain attention is the life settlement market. As market uncertainty persists, life settlements are emerging as a valuable tool for helping clients access liquidity without disrupting broader financial plans. ## Why Liquidity Matters More Than Ever In stable markets, clients often have multiple options when cash is needed. They can: - Sell investments - Rebalance portfolios - Access savings accounts - Draw from retirement assets However, volatile markets can complicate those decisions. Selling investments during periods of market decline may: - Lock in losses - Reduce future growth potential - Disrupt long-term planning objectives For retirees in particular, market downturns can create difficult choices around income generation and asset preservation. This is why liquidity has become a central focus of modern financial planning. Clients increasingly want access to capital without being forced to make decisions that could negatively impact their long-term financial security. ## The Challenge of Traditional Liquidity Sources Many clients assume their investment portfolio is their primary source of liquidity. While that may be true in some cases, relying exclusively on market-based assets can create challenges during periods of uncertainty. For example: - Equity markets can experience significant short-term declines - Fixed income markets may be impacted by interest rate movements - Retirement accounts may trigger tax considerations when accessed As a result, [advisors are increasingly looking for alternative sources of liquidity](https://abacuslifesettlements.com/from-lapse-to-liquidity-how-advisors-are-unlocking-6-8x-more-value/) that are not directly tied to market performance. ## The Rise of Nontraditional Assets One of the biggest trends in wealth management today is the growing interest in nontraditional assets. These assets can provide diversification benefits while reducing dependence on traditional market movements. Examples include: - Private investments - Real estate strategies - Alternative income solutions - Life settlements The goal is not to replace traditional investments. The goal is to create additional flexibility within a client’s financial plan. This broader approach allows advisors to identify opportunities that may have been overlooked in previous planning conversations. ## Life Insurance: An Overlooked Source of Liquidity Many clients own life insurance policies that were purchased years or even decades ago. Those policies may have originally been intended for: - Income replacement - Estate planning - Business succession planning Over time, however, financial needs often change. Children become financially independent. Estates evolve. Retirement goals shift. Yet many policies remain in place without being reevaluated. In some cases, those policies represent a significant source of untapped liquidity. ## How Life Settlements Create Financial Flexibility A life settlement allows a policyholder to sell an existing life insurance policy for a cash payment that is greater than the surrender value. Rather than: - Continuing to pay premiums - Accepting a low surrender value - Allowing a policy to lapse Clients may be able to access meaningful capital through the secondary market. This liquidity can then be used to: - Supplement retirement income - Fund healthcare expenses - Build cash reserves - Support broader financial planning goals Most importantly, it may allow clients to access capital without selling other assets during periods of market volatility. ## A Different Approach to Liquidity Planning Traditionally, liquidity planning focused heavily on investment portfolios and cash reserves. Today, advisors are taking a more comprehensive view. They are asking: - What assets does the client own? - Which assets are underutilized? - Are there alternative sources of liquidity that could improve flexibility? Life settlements fit naturally into this conversation because they transform an existing asset into usable capital. This shift reflects a broader trend toward holistic financial planning, where every asset is evaluated for its potential role in achieving client goals. ## Helping Clients Navigate Uncertain Markets Periods of market uncertainty often reveal the importance of planning flexibility. Clients who have access to multiple sources of liquidity may be better positioned to: - Avoid selling investments at unfavorable times - Manage unexpected expenses - Maintain long-term investment strategies - Reduce financial stress For advisors, identifying these opportunities can strengthen both planning outcomes and client relationships. ## The Advisors Leading the Conversation The most forward-thinking advisors are not waiting for clients to ask about liquidity challenges. They are proactively reviewing all assets and identifying opportunities before financial pressure arises. That includes evaluating life insurance policies that may: - No longer serve their original purpose - Carry ongoing premium obligations - Hold value in the secondary market By incorporating life settlements into liquidity planning discussions, advisors can provide more comprehensive guidance and uncover opportunities that might otherwise be missed. ## A New Era of Liquidity Planning Market volatility is unlikely to disappear anytime soon. As uncertainty remains a constant feature of the financial landscape, advisors will continue searching for strategies that provide flexibility, resilience, and value. Life settlements represent one of those opportunities. By turning underutilized life insurance policies into liquidity, advisors can help clients navigate uncertain markets while preserving other assets for future goals. In an environment where flexibility matters more than ever, that conversation may be one of the most valuable an advisor can have. ## Discover What Your Clients’ Policies Are Really Worth If your clients own life insurance policies that may no longer fit their financial goals, there could be an opportunity to create meaningful liquidity. With **[Abacus Life’s free policy valuation calculator](https://abacuslifesettlements.com/calculate/)**, you can quickly assess whether a policy may qualify for a life settlement and how it could support a broader financial strategy. [**Start evaluating. Start identifying opportunities. Start delivering more value.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [Preparing for Healthcare Costs Before They Become a Crisis](https://abacuslifesettlements.com/preparing-for-healthcare-costs-before-they-become-a-crisis/) **Published:** August 12, 2026 **Author:** Andrew Brown **Content:** Healthcare is one of the largest and most unpredictable expenses clients may face in retirement. A retirement plan can account for housing, travel, everyday spending, and portfolio withdrawals, but an unexpected health event can quickly change the financial picture. When that happens, families may be forced to make important financial decisions at exactly the wrong time. For financial advisors, the opportunity is to have these conversations before a crisis occurs. **[At Abacus Life](https://abacuslifesettlements.com/calculate/)**, we believe life insurance should be part of that planning process. For clients with policies that no longer serve their original purpose, a life settlement may provide an additional source of liquidity that can help address healthcare needs while preserving other retirement assets. ## Healthcare Planning Is Retirement Planning Healthcare should not be treated as a separate conversation from retirement planning. As clients age, medical expenses can become a larger part of their financial lives. Beyond routine healthcare costs, clients may eventually need to prepare for expenses related to: - In-home care - Assisted living - Skilled nursing care - Long-term care - Unexpected medical needs Without a plan, these expenses may need to be funded through retirement accounts, investment portfolios, or family support. That is why advisors should consider healthcare costs before they become immediate needs. ## The Problem With Waiting for a Crisis When a significant healthcare event occurs, the priority is understandably getting the right care. Financial planning can quickly become secondary. Clients and their families may suddenly need to determine how to pay for care while navigating an already stressful situation. Without adequate liquidity, they may be forced to: - Sell investments during unfavorable market conditions - Take larger withdrawals from retirement accounts - Reduce assets intended for future needs - Rely on family members for financial support These decisions can have lasting consequences for a retirement plan. Planning earlier gives clients more choices. ## Build Healthcare Liquidity Before It Is Needed One of the most important questions advisors can ask is: **If a major healthcare expense occurred tomorrow, where would the money come from?** The answer may include cash reserves, investment accounts, insurance coverage, or other assets. But advisors should also look for resources that clients may not realize are available. For some clients, that includes an existing life insurance policy. ## An Overlooked Asset in Healthcare Planning Many older clients purchased life insurance decades ago for reasons that may no longer apply. The policy may have originally been intended to: - Replace income for a spouse - Protect young children - Support an estate plan - Cover business obligations Years later, those needs may have changed. The children may be financially independent. A business may have been sold. Estate planning priorities may be different. Meanwhile, the client may still be paying premiums to maintain the policy. Rather than automatically continuing coverage, surrendering the policy, or allowing it to lapse, advisors can evaluate whether it has value in the life settlement market. ## Turning an Existing Policy Into Healthcare Liquidity A life settlement allows an eligible policyholder to sell a life insurance policy to a third party in exchange for a cash payment. For a client who no longer needs the coverage, the proceeds can create a new source of liquidity that may be used to address healthcare and retirement needs. Depending on the client’s circumstances, those funds could help pay for: - Home healthcare - Assisted living - Long-term care - Medical expenses - Other retirement needs At the same time, selling the policy generally eliminates the client’s responsibility for future premiums. For someone facing increasing healthcare expenses and an unnecessary premium obligation, both sides of that equation can matter. ## Protecting the Rest of the Retirement Plan Healthcare planning is not only about finding money to pay medical bills. It is also about determining which assets should be used and when. Consider a client who needs significant liquidity during a period of market volatility. If their only option is an investment portfolio, they may have to sell assets at depressed prices. That could reduce the amount of capital available to participate in a future market recovery. If an underutilized life insurance policy can provide another source of liquidity, the advisor has another option to consider. A life settlement does not replace a comprehensive healthcare or long-term care strategy. Instead, it can become another tool within that strategy. ## The Value of Planning While Clients Have Options The best time to discuss healthcare funding is not when a client urgently needs it. It is while the client and advisor still have time to evaluate different scenarios. Proactive planning gives advisors an opportunity to review: - Available healthcare coverage - Long-term care strategies - Emergency reserves - Retirement income sources - Investment liquidity - Existing life insurance policies This broader view can help identify potential gaps before those gaps become problems. It can also give clients greater confidence knowing they have considered multiple ways to respond if their circumstances change. ## Make Policy Reviews Part of the Healthcare Conversation Advisors do not need to wait until a client says they want to surrender a policy. Life insurance reviews can become a routine part of retirement and healthcare planning. When meeting with older clients, consider asking: - Why was this policy originally purchased? - Does that need still exist? - How much are premiums costing each year? - Has the client’s health or financial situation changed? - Could the policy serve a different purpose today? - Has the policy been evaluated for a potential life settlement? These questions can reveal opportunities that may otherwise remain unnoticed. ## Helping Families Make Decisions Before They Become Difficult Financial planning is often most valuable before the need becomes urgent. By preparing for healthcare expenses early, advisors can help clients maintain more control over how their assets are used, where their care comes from, and how much of their retirement portfolio remains intact. For some clients, an old life insurance policy may play an unexpected role in that plan. The policy does not necessarily have to remain untouched until the end of life. If the original need for coverage has changed, evaluating its current market value may reveal another way for that asset to support the client today. ## Prepare Today for the Costs of Tomorrow Healthcare expenses may be difficult to predict, but the financial conversation does not have to wait. Advisors who proactively evaluate potential [funding sources can help clients build retirement](https://abacuslifesettlements.com/funding-long-term-care-without-draining-retirement-assets/) plans with greater flexibility and more options when circumstances change. And sometimes, one of those options may already be sitting inside the client’s financial portfolio. ## Discover What Your Clients’ Policies Could Be Worth If a client’s life insurance policy no longer serves its original purpose, consider evaluating it before healthcare expenses or premium obligations create financial pressure. [**Try Abacus Life’s free policy valuation calculator to see whether your client’s policy may qualify for a life settlement.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [How Life Settlements Can Help Seniors Live Freely](https://abacuslifesettlements.com/how-life-settlements-help-seniors-live-freely/) **Published:** November 21, 2025 **Author:** Admin **Content:** In a world that’s constantly evolving, it’s essential for seniors to explore every financial avenue available to secure their future. The golden years should be filled with relaxation, peace of mind, and the freedom to live life on your own terms. However, achieving this level of financial comfort can be challenging, especially with the rising costs of healthcare, long-term care, and everyday living expenses. This is where Abacus Life steps in as your trusted partner, guiding you toward a lesser-known yet invaluable financial solution – life settlements. ## Understanding the Opportunity Abacus Life, a leading buyer of life insurance policies and a vertically integrated alternative asset manager specializing in specialty insurance products, believes in making the often-overlooked life settlement an accessible and transparent option for seniors. Having just completed the [**sale of $50 million in securitized life insurance assets,**](https://ir.abacusgm.com/news-releases/news-release-details/abacus-sells-50-million-securitized-life-insurance-assets) Abacus Life continues to **redefine** what’s possible as the industry’s leading direct Life Settlement buyer. With over **$150 million** that needs to be deployed in Q4, we are actively seeking policies. Life settlements are a financial strategy that allows policyholders to sell their life insurance policies in exchange for a lump sum cash payment. These policies are typically considered personal property, and just like any other asset, they can be liquidated to provide seniors with the financial means to enjoy their retirement to the fullest. ## The Hidden Benefits **Financial Flexibility:** Life settlements grant you the flexibility to decide how best to use the funds. Whether it’s [funding your medical care, covering long-term care](https://abacuslifesettlements.com/funding-long-term-care-without-draining-retirement-assets/) expenses, paying for that dream vacation, or pursuing a new business venture, the choice is entirely yours. **Adapting to Life Changes:** As life unfolds, your needs and circumstances may change. You may find that you no longer need the life insurance policy, or perhaps your beneficiaries no longer require the policy benefits. Life settlements provide the opportunity to adapt to these changes and maximize the value of your policy. **Affordability:** Rising premiums or unexpected financial challenges can make it difficult to maintain your life insurance policy. Rather than surrendering it and losing your premium investments, a life settlement can provide a cash amount significantly higher than the policy’s surrender value. **Investment Opportunities:** Life settlements empower you to recapture the equity you’ve invested in your policy. This equity can then be used to explore new financial opportunities, such as investing in a business, purchasing a home, settling debts, or acquiring an income-generating annuity. ## **Get an Instant Estimate** Use our [**Life Settlement Calculator**](https://abacuslifesettlements.com/qualify-a-life-settlement/) for a quick quote or start a conversation with one of our experienced team members. We’re committed to making the life settlement process transparent and straightforward, ensuring you feel confident every step of the way. There are **no costs or obligations** to learn more. You are in complete control. If you or someone you know could benefit from a life settlement, contact our team at [**800-561-4148**](tel:8005614148). We’re here to help you explore your options and make informed decisions about your financial future. **Categories:** Life Settlement Blog --- ### [Helping Clients Age More Financially Confident](https://abacuslifesettlements.com/helping-clients-age-more-financially-confident/) **Published:** June 24, 2026 **Author:** Andrew Brown **Content:** Aging brings many important milestones. Retirement, family growth, travel, and the opportunity to enjoy the results of decades of hard work. But it can also bring uncertainty. Questions about healthcare costs, retirement income, market volatility, and long-term financial security become increasingly important as clients move through retirement. While no one can predict the future, financial confidence often comes from knowing there is a plan in place to adapt to whatever lies ahead. **[At Abacus Life](https://abacuslifesettlements.com/calculate/)**, we believe helping clients age more financially confident starts with a simple principle: every asset should be working toward their current goals. That includes life insurance. When properly evaluated, life insurance policies can become valuable planning tools that support greater flexibility, liquidity, and peace of mind throughout retirement. ## Financial Confidence Means More Than Having Assets Many retirees have spent years building wealth through: - Investment portfolios - Retirement accounts - Real estate - Insurance products But financial confidence is not simply about the amount of assets someone owns. It is about knowing those assets are aligned with their needs and can support the lifestyle they want to maintain. Clients often ask questions such as: - Will my savings last? - How will I pay for unexpected healthcare expenses? - What happens if markets decline? - Will I become a financial burden on my family? Addressing these concerns requires more than investment management alone. It requires a comprehensive planning approach. ## The Financial Priorities of Aging Clients Are Changing As clients move through retirement, their priorities naturally evolve. What mattered at age 45 may not matter at age 75. For many retirees, priorities shift toward: - Reliable income - Healthcare planning - Long-term care preparedness - Liquidity and flexibility - Preserving independence At the same time, some financial products purchased years earlier may no longer serve the same purpose. This is particularly true with life insurance. Policies that were originally intended for income replacement or estate planning may no longer fit a client’s current financial situation. That creates an opportunity to reevaluate how those assets can best support today’s goals. ## The Importance of Flexibility One of the biggest contributors to financial confidence is flexibility. Life rarely unfolds exactly as planned. Unexpected expenses, healthcare needs, family obligations, and market conditions can all impact a retirement plan. Clients who have access to flexible financial resources often feel better prepared to navigate these challenges. That is why [advisors are increasingly focused on identifying assets](https://abacuslifesettlements.com/the-hidden-asset-advisors-are-still-ignoring-in-2026/) that can provide additional liquidity when needed. Life insurance may be one of those assets. ## Life Settlements Create New Possibilities A life settlement allows a policyholder to sell an existing life insurance policy for a cash payment that is greater than the surrender value. For clients who no longer need or want their coverage, this can create meaningful financial flexibility. The proceeds from a life settlement can be used to: - Supplement retirement income - Fund long-term care needs - Cover healthcare expenses - Build emergency reserves - Support lifestyle goals in retirement Instead of viewing life insurance as an asset that only delivers value in the future, clients may be able to realize value today when it can have an immediate impact on their quality of life. ## Reducing Financial Stress During Retirement One of the most common fears among retirees is running out of money. Even clients with substantial assets often worry about: - Rising healthcare costs - Market downturns - Unexpected expenses - Increased longevity By creating additional liquidity, life settlements can help reduce some of those concerns. Knowing there is another source of financial flexibility can provide reassurance and allow clients to make decisions with greater confidence. Sometimes the greatest value is not just the money itself. It is the peace of mind that comes with having options. ## A More Holistic Planning Conversation Helping clients age confidently requires looking beyond traditional investment discussions. Advisors who take a holistic approach evaluate every aspect of a client’s financial picture, including: - Income needs - Healthcare planning - Estate goals - Tax considerations - Insurance assets When life insurance is included in that conversation, new opportunities often emerge. A policy that no longer serves its original purpose may be able to support a completely different financial objective. This creates a more personalized and adaptable planning experience. ## Supporting Independence and Choice For many retirees, financial confidence is closely tied to maintaining independence. Whether that means: - Remaining in their home longer - Accessing higher quality healthcare - Supporting loved ones - Pursuing personal goals Having financial flexibility can make a significant difference. Life settlements can provide resources that help clients preserve that independence and maintain control over important decisions throughout retirement. ## The Advisor’s Role in Building Confidence Financial confidence does not happen by accident. It is built through thoughtful planning, proactive conversations, and a willingness to evaluate every available option. Advisors who regularly review life insurance policies alongside other assets are often better positioned to: - Identify hidden opportunities - Improve financial flexibility - Reduce future financial stress - Enhance overall retirement outcomes In many cases, simply introducing the conversation can lead to better decisions and greater peace of mind. ## Aging With Confidence Starts With a Plan Retirement should be about enjoying life, not worrying about finances. By taking a comprehensive view of a client’s assets and objectives, advisors can help create strategies that support confidence, flexibility, and long-term financial well-being. Life settlements are one of the many tools that can contribute to that goal. When used appropriately, they can help transform an underutilized asset into a meaningful resource that supports the next chapter of life. ## Discover What Your Clients’ Policies Are Really Worth If your clients own life insurance policies that may no longer fit their retirement goals, there could be an opportunity to create additional financial flexibility. With **[Abacus Life’s free policy valuation calculator](https://abacuslifesettlements.com/calculate/)**, you can quickly assess whether a policy may qualify for a life settlement and how it could support a broader retirement strategy. [**Start evaluating. Start identifying opportunities. Start delivering more value.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [Struggling to Fund Retirement? Life Settlements Offer a Financial Bridge](https://abacuslifesettlements.com/retirement-gap/) **Published:** August 13, 2019 **Author:** Admin **Content:** *As baby boomers head toward retirement, the growing retirement gap is in urgent need of help* Consistent advances in medical science and senior health in industrialized nations have resulted in considerably longer retirements. On the surface, this is great news. Modern seniors are living longer and healthier lives. [**Retirement**](https://abacuslifesettlements.com/how-could-a-life-settlement-help-prepare-for-retirement/) savings haven’t adjusted, however, and there is a crisis looming as more Baby Boomers age into retirement with woefully underprepared portfolios. The World Economic Forum released a report Thursday stating that the retirement gap between savings and average life expectancy for an average American retiree has risen to 8.3 years for men, and 10.9 years for women, who live longer than men. Effectively forcing seniors to hold off on retirement while they continue building a portfolio, or re-enter the workforce once they realize they will likely outpace their finances. This report comes on the heels of growing concern in the United States that social security could dry up entirely in our lifetimes. According to a recent **[study](https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3226574)** published by the Social Science Research Network, social security will exist in an enormously diminished form by 2035 if Congress doesn’t step in. It was also concluded that Medicare’s hospital insurance trust fund will run out of money by 2026. **Working Past Retirement** For the first time in 57 years, greater than 20% of retirement age American’s are opting to remain in the workforce, according to the World Economic Forum. It’s an alarming statistic, and most signs point to it just being the tip of the iceberg if changes aren’t made to strengthen social safety nets, control [healthcare costs,](https://abacuslifesettlements.com/preparing-for-healthcare-costs-before-they-become-a-crisis/) or enhance retirement plans. Most individuals aren’t re-entering the workforce to stay active in their retirement or earn extra expendable income as we have seen historically; they are doing it out of necessity. An across-the-board increase in average lifespan should be a good thing, but it is becoming harder to ignore the fact that it can be a double-edged sword. Co-author of the report Han Yik, head of institutional investors at the World Economic Forum mentions that this is partially due to world governments shifting the burden of retirement to individuals. Traditional pensions have mostly given way to defined contribution plans such as 401(k) plans in the U.S. “All the risks that government and employers used to have, we’ve shifted that onto workers,” Yik Said. **Seniors Embracing Alternative Solutions** While global governments continue to operate primarily in the realm of fiscal theory as they brace for the tens of millions of baby boomers aging into retirement; current retirees are forced to find solutions. For many, that means postponing their retirement, sometimes indefinitely. For others, it means making serious financial sacrifices and existing just north of the poverty line. Neither of these solutions has proven particularly effective, as bankruptcy rates in Americans 65+ grew nearly 204% from 1991 to 2016 according to SSRN. Financially savvy seniors have begun searching for ways to convert their pre-existing assets into long-term retirement solutions. For many, this has meant selling their homes in a robust real estate market or selling off other physical assets that often carry sentimental value. Others have explored their options in traditionally “set it and forget it” type assets like life insurance. The [**life settlement**](https://abacuslifesettlements.com/learn-how-life-settlements-work/) industry has seen a recent surge of activity amongst seniors as they continue to realize the growing retirement gap between finances and longevity. Jay Jackson, President, and CEO of Abacus Life had this to say, “Longevity is an uncomfortable subject, so is financial security, which is why we focus on trust and transparency with every client that contacts us. Our goal is to provide individuals with real options at a time in their lives when they feel they may be losing some sense of their own self-agency. Sometimes our product isn’t the right fit, but we have helped thousands of seniors find some sense of security”. **[Abacus](https://abacuslifesettlements.com/)** is operating in an asset class that is among one of the most heavily regulated in the United States, with nearly every state having individual laws and regulations in place to protect consumers. Seniors are looking to these sorts of safe financial options in growing numbers to close the retirement gap and find value in assets that would previously be pruned from their portfolios to save money. **The Long-Term Care Landscape** America’s growing senior population coupled with sustained year-over-year financial hits has led to some lack of clarity in the long-term care landscape. With seniors struggling more than ever to cover their own care, the burden often falls to caretakers who are rarely in a better position financially. This had led to families looking into solutions that are more at-home-centric. Rather than checking their loved ones into clinics or retirement homes that often come with hefty price tags, there has been a return to the [**“Generational Household”**](https://abacuslifesettlements.com/blog-multigenerational-household/) concept. Finding other spots in budgets to save money has become increasingly popular with seniors as well. With Medicare and Social Security no longer proving sufficient to cover retirement expenses, even in conjunction with a strong portfolio. More seniors are embracing programs like SNAP, which recently expanded significantly to include millions of seniors that were previously not eligible. There is a pride barrier here that is very difficult to breakthrough. Most seniors spend their entire lives paying into programs that should theoretically allow them to retire comfortably, asking them to accept social assistance at this point is a struggle. But with malnourishment in seniors becoming more and more prevalent, and with it the health issues associated with lack of nutrition, it is essential that seniors learn to embrace any programs they can. **What’s the Solution to the Retirement Gap?** Depending on what part of the political spectrum you fall on, there is a range of proposed solutions. But operating in the realm of political theory isn’t something that is going to address the immediate financial issues facing seniors, nor will it address the problems that millions of baby boomers will face in the near future. We have talked about working well into retirement or returning to work in your 70s or even 80s. Far from an ideal solution, but one that more American’s are being forced to embrace every day. Saving more or investing more aggressively, during your prime working years are also potential solutions. But these solutions both come with increased risk and put off specific experiences for the sake of long-term security. [**Abacus Life Settlements**](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for life insurance. Our primary mission: work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the [**numbers and details**](https://abacuslifesettlements.com/qualify-a-life-settlement/) to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. *Edited March 2021* According to Robin Hartill of the balance, on the Retirement gap: > “The average income for a household headed by someone ages 65 through 74 was $65,943 in 2019, according to the U.S. Bureau of Labor Statistics. But as individuals get older and move further into retirement, income tends to fall dramatically. For households headed by someone 75 or older, income was just $41,937, on average.” **Categories:** Life Settlement Blog --- ### [Abacus Life Helps Seniors Secure Cash by Selling Life Insurance Policies They No Longer Need](https://abacuslifesettlements.com/cardrates-com-reports-abacus-life-recognized-for-buying-life-insurance-policies-to-expand-financial-options/) **Published:** April 1, 2024 **Author:** Admin **Content:** [Abacus Life](https://abacuslifesettlements.com/) is a leading purchaser of life insurance policies, offering clients enhanced financial flexibility by unlocking the value of their existing coverage. The company’s offer is informed by a thorough, actuarially driven assessment of life expectancy, ensuring fair and transparent valuations. Abacus Life is distinguished by its empathetic and client-centric approach, taking great care to tailor solutions that align with each individual’s financial goals. This unwavering commitment to service excellence and innovation in the life settlement space has earned Abacus Life the **Editor’s Choice™ Award** for empowering clients with greater financial choice. Most people are familiar with how [life insurance policies](https://abacuslifesettlements.com/life-insurance-options/) work. An individual purchases a life insurance policy and selects beneficiaries. If the individual passes away while their life insurance policy is active, their beneficiaries receive a financial payment from the policyholder’s insurer. You’re not alone if you didn’t know life insurance policyholders can sell their policies. The life settlement industry provides policyholders with options to sell their life insurance policy in exchange for a cash payout or another financial product, such as an annuity. [Abacus Life](https://abacuslifesettlements.com/) purchases life insurance policies to help its clients improve their quality of life and maximize the value of their policies. We spoke with Jay Jackson, Abacus Life’s CEO, to learn more about the company’s innovative services. One of Abacus Life’s primary goals is educating people about life settlements. Jackson said many people aren’t familiar with life settlements due to a lack of education and exposure. It is also in part because a life insurance carrier’s business model relies in part on lapsing life insurance policies, Jackson said. Watch videos [here](https://abacuslifesettlements.com/videos/). Jackson said nine out of 10 life insurance policies lapse without paying a death benefit. Abacus Life can help people extract value from their life insurance policy. “There’s a reason life insurance carriers have the biggest buildings in many cities,” Jackson said. “They make an impressive amount of money because most policies never pay a death benefit.” Abacus Life is regulated to operate in 49 states. Jackson said Abacus Life is the only life settlement company in the U.S. focusing on educating the public about life settlement options in the capacity that they are. “If you look at our advertising, whether it be our television commercials, radio spots, or online ads, the entire core of our model is having conversations with our clients,” Jackson said. “We’re not selling anything or looking to manipulate anybody. We’re here to let people know there’s an awesome product available to them that they might not have heard about.” **Infusing Client Conversations with Compassion** Abacus Life aims to inform people that their life insurance policy is an asset. Jackson said many people who own life insurance policies have invested in them for many years, and a policyholder may not know their policy’s value. “People put a lot of money into their homes,” Jackson said. “But one day, when their home doesn’t suit them anymore, they move out and sell it. One of our goals is to let people know they can [sell their life insurance policy](https://abacuslifesettlements.com/learn-how-life-settlements-work/) when it doesn’t suit them anymore.” Jackson said many clients Abacus Life works with are senior citizens or people experiencing health challenges. Abacus Life seeks clients with life expectancies of 15 years or less. Jackson said that when Abacus Life takes over a life insurance policy, the company pays all of the policy’s future premiums. Abacus Life keeps the policy active until the company can collect the policy’s death benefit. Jackson said Abacus Life works with males aged 75 years or older because a 75-year-old male has, on average, a life expectancy of 15 years. “A lot of people don’t know this, but our life expectancy changes as we age,” Jackson detailed. “The national average for life expectancy is around 72 years. But if you make it to 75 years as a male, the averages indicate you’ll live for another 15 years.” Abacus Life also works with people who are critically ill. The company partners with cancer clinics and hospitals across the country to provide financial options to patients with critical illnesses. Abacus Life seeks to bring empathy to every conversation with clients. Jackson said life expectancy isn’t something everyone feels comfortable discussing, so Abacus Life approaches conversations about life expectancy with compassion and respect. **Life Expectancies Influence Payout Ranges** Not everyone is a prime Abacus Life candidate. Jackson said individual circumstances can vary, but people who are relatively young and healthy should probably not sell their life insurance policy. “Life insurance makes sense for a lot of people,” Jackson said. “But it stops making sense when you’re 75 years old and your kids have moved out of the house and are supporting themselves.” Jackson said the amount of money a policyholder receives for selling their life insurance policy to Abacus Life varies. On average, Abacus Life pays clients slightly more than 20% of their policy’s face value. Jackson said clients with shorter life expectancies may receive higher payouts. “If someone has a life expectancy of 14 months, we might pay 70% or 80% of their policy’s face value,” Jackson explained. “On the other hand, an individual with a life expectancy of 15 years and high premiums might receive a payout equal to 10% to 15% of their policy’s face value.” Abacus Life relies on third parties to calculate an individual’s life expectancy. Abacus Life, a HIPAA-compliant business, provides partner institutions that calculate life expectancies with a prospective client’s medical records. Abacus Life makes a financial offer to purchase a prospective client’s life insurance policy based on the person’s life expectancy and the details of their policy. Abacus Life provides its clients with the information it uses to calculate the value of their life insurance policy. “We show every single client we make an offer to how exactly we came up with the figure we’re offering,” Jackson said. “We want to make sure people know we’re presenting them with a fair offer.” **Abacus Life Helps Clients Prepare for the Future** Abacus Life offers [viatical settlements](https://abacuslifesettlements.com/viatical-settlement/) to clients with life expectancies of less than two years. Jackson said viatical settlements function similarly to other life settlements, but recipients of viatical settlements don’t pay taxes on the proceeds of the sale of their life insurance policy. Abacus Life offers [hybrid settlements](https://abacuslifesettlements.com/hybrid/), allowing clients to receive a payout from the company while maintaining life insurance coverage. “Someone with a $1 million policy might approach us and say they want to keep $500,000 of their policy and sell the remaining $500,000,” Jackson said. “We’ll make a cash offer for the portion of their policy they want to sell and facilitate them maintaining coverage for the other $500,000.” Abacus Life, which went public in 2023, operates a wealth management division, [ABL Wealth](https://abacuslife.com/abl-wealth/). Jackson said people who sell their life insurance policy may suddenly have more cash than at any previous point in their lives. ABL Wealth can help clients take the proceeds from a life settlement and create an annuity. It can also assist [clients in developing a financial](https://abacuslifesettlements.com/helping-clients-age-more-financially-confident/) plan. “Through ABL Wealth, we talk with clients about their financial health holistically,” Jackson said. “We care about our clients from the very first phone call we have with them. When clients sell their policy to us, we don’t just cut them a check and say our goodbyes. We have discussions with them to improve their long-term financial health. And that’s something no one else is doing.” Source: [CardRates.com](https://www.cardrates.com/news/abacus-life-buys-life-insurance-policies/) **Categories:** Life Settlement Blog --- ### [Funding Long-Term Care Without Draining Retirement Assets](https://abacuslifesettlements.com/funding-long-term-care-without-draining-retirement-assets/) **Published:** May 20, 2026 **Author:** Andrew Brown **Content:** Long-term care has become one of the most significant financial concerns facing retirees today. As healthcare costs continue to rise and life expectancy increases, many families are struggling to answer a difficult question: How do you pay for long-term care without disrupting the retirement plan you spent decades building? **[At Abacus Life](https://abacuslifesettlements.com/calculate/)**, we believe more advisors should be looking beyond traditional funding strategies and evaluating existing assets that may already hold untapped value. One of the most overlooked resources is life insurance. For many clients, a life settlement can provide meaningful liquidity to help fund long-term care needs without forcing them to liquidate investment portfolios or deplete retirement savings. ## The Growing Long-Term Care Challenge The cost of long-term care continues to rise across the country. Whether it involves: - In-home care - Assisted living - Skilled nursing facilities Many retirees are unprepared for the financial impact. At the same time: - People are living longer - Healthcare expenses are increasing - Market volatility can make portfolio withdrawals more difficult This creates a major planning challenge for advisors and clients alike. The traditional solutions often involve: - Drawing down retirement accounts - Selling investments - Relying heavily on family support - Paying out of pocket But those strategies can place significant pressure on long-term financial security. ## The Overlooked Asset in Many Retirement Plans Many retirees own life insurance policies that no longer serve their original purpose. Policies purchased years ago for: - Income replacement - Business protection - Estate planning May no longer align with a client’s current financial situation. In some cases: - Beneficiaries are financially independent - Estate planning needs have changed - Premium payments have become burdensome Yet these policies are often maintained out of habit or simply allowed to lapse. What many [clients do not realize is that these policies](https://abacuslifesettlements.com/the-estate-tax-exemption-is-now-15-million-does-your-client-still-need-that-life-insurance-policy/) may have substantial market value. ## Turning a Policy Into Long-Term Care Funding A life settlement allows a policyholder to sell their life insurance policy for a cash payment that is greater than the surrender value. Instead of letting a policy lapse or continuing to pay expensive premiums, clients can convert the policy into liquidity that can be used for: - Long-term care expenses - Healthcare costs - Assisted living support - Home care services This creates a new funding source without immediately disrupting other retirement assets. ## Protecting Retirement Portfolios One of the biggest concerns retirees face is having to sell investments during unfavorable market conditions to cover healthcare expenses. When long-term care costs arise unexpectedly, clients may be forced to: - Liquidate investment accounts - Accelerate withdrawals from retirement savings - Reduce legacy assets intended for family members A life settlement can help reduce that pressure by providing an alternative source of capital. Instead of draining retirement accounts first, clients can use the value already sitting inside an underutilized life insurance policy. ## A Real Planning Opportunity for Advisors Long-term care conversations can be difficult, but they are becoming increasingly important. Advisors who proactively discuss funding options are often able to provide significantly more value to clients and their families. Incorporating life settlements into those conversations can help advisors: - Identify overlooked liquidity opportunities - Improve retirement sustainability - Create more flexible care funding strategies - Reduce the financial stress associated with healthcare planning Most importantly, it allows advisors to approach long-term care planning more holistically. ## A Shift in How Life Insurance Is Viewed Traditionally, life insurance has been treated as a static asset with only two outcomes: - Keep the policy - Or let it lapse But today, more advisors are recognizing that life insurance can be repositioned strategically based on changing client needs. In the context of long-term care planning, that shift can be incredibly impactful. Instead of continuing to pay premiums on a policy that no longer serves its original purpose, clients may be able to redirect that value toward improving quality of life and preserving retirement assets. ## Planning for Flexibility in Retirement Retirement planning is no longer just about accumulation. It is about flexibility. Clients need strategies that can adapt to: - Rising healthcare costs - Longer retirements - Unexpected life events Life settlements provide an additional planning tool that can help create that flexibility. For many retirees, the ability to access liquidity from an existing policy can make a meaningful difference in how long-term care is funded and how retirement assets are preserved. ## The Advisors Leading These Conversations The advisors who stand out today are the ones who look beyond traditional solutions and evaluate every available asset. By including life settlements in long-term care discussions, advisors can: - Deliver more comprehensive guidance - Strengthen client trust - Help clients avoid unnecessary financial strain - Create better overall planning outcomes As healthcare costs continue to rise, these conversations will only become more important. ## Discover What Your Clients’ Policies Are Really Worth If your clients are concerned about long-term care costs, their life insurance policy may represent an overlooked source of liquidity. **[With Abacus Life’s free policy valuation calculator](https://abacuslifesettlements.com/calculate/)**, you can quickly assess whether a policy may qualify for a life settlement and how it could support a broader long-term care funding strategy. [**Start evaluating. Start identifying opportunities. Start delivering more value.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [From Lapse to Liquidity: How Advisors Are Unlocking 6-8x More Value](https://abacuslifesettlements.com/from-lapse-to-liquidity-how-advisors-are-unlocking-6-8x-more-value/) **Published:** May 13, 2026 **Author:** Andrew Brown **Content:** For decades, the default outcome for unwanted life insurance policies has been simple. When a policy no longer fits a client’s needs, it is either surrendered for minimal value or allowed to lapse entirely. But that default is rapidly changing. At **[Abacus Life](https://abacuslifesettlements.com/calculate/)**, we are seeing more advisors challenge this outdated approach by introducing life settlements into the conversation. The result is a powerful shift. Instead of walking away from value, clients are often able to realize **multiples of what they would have otherwise received**. In many cases, policies can sell for **six to eight times their surrender value**. That is not a marginal improvement. It is a completely different financial outcome. ## The Traditional Outcome: Value Left Behind Consider a common scenario. A client enters retirement with a life insurance policy that was originally purchased for income protection or estate planning. Years later, their situation has changed: - The original need for coverage is reduced or gone - Premiums are becoming a burden - The policy no longer aligns with current financial goals Historically, the options were limited: - Surrender the policy for its cash value - Stop paying premiums and let it lapse In both cases, the client often receives little to no meaningful return relative to the policy’s potential. This is where the gap exists. ## The Alternative: A Life Settlement A life settlement introduces a third option. Instead of surrendering or lapsing the policy, the client sells it in the secondary market for a cash payment. Because institutional buyers are willing to pay based on the policy’s future value, the offer is often significantly higher than the surrender value. This creates a new outcome: - Immediate liquidity - Greater realized value - More flexibility in financial planning For advisors, it transforms a passive decision into an active strategy. ## A Before and After Story To understand the impact, it helps to look at a simplified example. ### Before A 74 year old client owned a universal life insurance policy with: - A $1,500,000 death benefit - A cash surrender value of $60,000 - Annual premium payments of $28,000 The policy was originally purchased for estate planning purposes, but the client’s financial situation had changed significantly over time. The coverage was no longer essential, and the ongoing premiums were becoming increasingly difficult to justify in retirement. The client was preparing to surrender the policy and accept the $60,000 cash value. ### After Before moving forward with the surrender, the advisor explored a life settlement option. After evaluating the policy in the secondary market, the client ultimately received a settlement offer of $420,000. ### The Difference - Surrender value: $60,000 - Life settlement payout: $420,000 That represents **7 times the surrender value**, while also eliminating the burden of future premium payments. ## What That Means for the Client This shift from lapse to liquidity can have a meaningful impact on a client’s financial situation. The proceeds from a life settlement can be used to: - Supplement retirement income - Fund long term care needs - Pay down debt - Reallocate into investments that better match current goals In many cases, it turns a dormant asset into a source of financial flexibility. ## Why Advisors Are Paying Attention The ability to generate multiples of surrender value is driving increased interest among advisors. Life settlements offer a way to: - Identify hidden value within existing client portfolios - Deliver more comprehensive advice - Strengthen client relationships by uncovering overlooked opportunities It also reflects a broader shift in financial planning. Advisors are no longer focused only on managing investments. They are focused on optimizing every asset. ## Not Every Policy Qualifies, But Many Do It is important to note that not every life insurance policy will be a good candidate for a life settlement. However, many policies meet key criteria, including: - Insured individuals typically over age 65 - Policies with face values generally above $100,000 - Changes in health or financial circumstances The only way to know is to evaluate the policy. And that is where many opportunities are missed. Policies are often surrendered without ever being assessed for their true market value. ## A Simple Shift With Significant Impact Incorporating life settlements into your process does not require a major overhaul. It starts with a simple shift in mindset: Do not assume surrender or lapse are the only options. A closer look at [how secondary market valuations work](https://abacusgm.com/why-more-policyholders-are-exploring-what-their-life-insurance-is-worth-beyond-surrender-value/) shows exactly why. Instead, ask: - What is this policy actually worth in today’s market? - Is there a better outcome available for the client? That shift can lead to significantly improved results. ## The Advisors Who Lead With Value The advisors who stand out in today’s environment are those who go beyond the obvious. They: - Question default outcomes - Explore all available options - Look for opportunities to improve client results Life settlements are one of the clearest examples of this approach in action. Moving from lapse to liquidity is not just about accessing cash. It is about delivering smarter, more complete financial guidance. ## Discover What Your Clients’ Policies Are Really Worth If a client is considering surrendering or lapsing a life insurance policy, there may be a better path. With **[Abacus Life’s free policy valuation calculator](https://abacuslifesettlements.com/calculate/)**, you can quickly assess whether a policy qualifies for a life settlement and how much it could be worth. [**Start evaluating. Start identifying opportunities. Start delivering more value.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [Never Surrender Your Policy! Here's Why:](https://abacuslifesettlements.com/never-surrender-your-policy-heres-why/) **Published:** November 16, 2021 **Author:** Admin **Content:** In some instances, seniors will find themselves with life insurance policies they no longer want or need. Whether the premiums are too costly, the policy is underperforming, or the underlying need for the policy is simply not there anymore, seniors will look for ways out. More often than not, they will end up surrendering the policy to rid themselves of the burden. However, that is ***never*** the best outlet. When a policy is surrendered, one essentially agrees to take the cash surrender value that the insurance company has assigned to their policy, and in return, **forgo the [death benefit](https://abacuslifesettlements.com/retained-death-benefit-rdb/).** There are a couple of caveats to surrendering a policy. If the policy is not very old, the insured may incur [**surrender fees,**](https://www.iii.org/article/what-are-surrender-fees) which will lessen the amount of cash they receive. Additionally, the gain on the policy—however much it may be—will be **taxed as income**. It is important to make clear that **[death benefits](https://www.investopedia.com/terms/d/deathbenefit.asp#:~:text=A%20death%20benefit%20is%20a,as%20a%20lump%2Dsum%20payment.) are [tax-exempt](https://www.investopedia.com/terms/t/tax_exempt.asp)**, but the cash amount incurred from **surrendering the policy *is* taxable**. When one surrenders a [**whole life policy**](https://abacuslifesettlements.com/learn-how-life-settlements-work/#definition), they are cancelling the policy—”surrendering” and “cancelling” are synonymous terms. This inevitably means that instead of their **[beneficiaries](https://www.merriam-webster.com/dictionary/beneficiary)** receiving the death benefit, the policyholder will receive the cash value the life insurance policy has built up over time. To the individuals who are unaware that there are better options, this may seem like a win. However, this ultimately means one **loses out on a significant amount of return on their investment in the policy**. Examining all angles and opportunities prior to making any important financial decisions can be very beneficial to the return. Thankfully, there is a better option. A **[life settlement](https://www.investopedia.com/terms/l/life_settlement.asp)** is the sale of an existing insurance policy to a third party, like **[Abacus Life](https://abacuslifesettlements.com/about-us/)**, for a one-time cash payout. The payment is *more* than the **[surrender value](https://www.investopedia.com/terms/c/cashsurrendervalue.asp)** but *less* than the actual death benefit. Once the sale is completed, the purchaser (Abacus Life) becomes the policy’s beneficiary and assumes payment of the remaining premiums. By doing so, they receive the death benefit when the insured dies. With that being said, when one chooses to **surrender their policy** instead of getting a life settlement, **the insurance company comes out as the winner**. A life settlement would provide the insured with a much larger payout, while also offering the option to choose whether they want to sell all or just a portion of their policy. If they choose to just sell a portion, this will leave a payout to their beneficiaries whenever they pass away—this is not an option when choosing to surrender the policy. By going straight to a direct life insurance buyer like **[Abacus Life](https://abacuslifesettlements.com/qualify-a-life-settlement/)**, the insured bypasses having to pay commission to a broker, therefore receiving the full cash amount. Abacus works to ensure clients get the **largest possible payout**—according to the annual report filed by The Deal, **[Abacus Life Settlements has outperformed all leading buyers in settlement offers.](https://www.prnewswire.com/news-releases/report-abacus-life-continues-to-lead-the-top-buyers-in-life-settlement-payouts-301296564.html)** The report stated that **Abacus paid 22.5% per policy** on average, **37% higher than their closest competitor,** who paid an average of 16.4% of policy face value to sellers. Abacus Life works to educate individuals seeking options for their life insurance about the life settlement option. Surrendering a policy will ***never*** net the amount of cash that a settlement will but it is not a commonly discussed option among financial professionals. Understanding [what their life insurance is worth beyond surrender value](https://abacusgm.com/why-more-policyholders-are-exploring-what-their-life-insurance-is-worth-beyond-surrender-value/) is a good place for policyholders to start. It is a secure and viable option for life insurance policies and can help alleviate many financial burdens. If you want to get started on a settlement of your own or simply want to reach out with questions regarding the process, feel free to contact our team at [800-561-4148,](tel:8005614148) and we will be happy to help! **Categories:** Life Settlement Blog --- ### [Life Insurance Awareness Month Isn’t Just About Buying More Insurance](https://abacuslifesettlements.com/life-insurance-awareness-month-isnt-just-about-buying-more-insurance/) **Published:** September 15, 2026 **Author:** Admin **Content:** 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](https://abacuslifesettlements.com/calculate/)**, we believe understanding an existing policy and the options available for it is an important part of comprehensive financial planning. ## Life Insurance Needs Change Over Time A policy purchased 10, 20, or even 30 years ago was designed around a client’s needs at that point in their life. Since then, a lot may have changed. A client may have retired, sold a business, paid off a mortgage, accumulated additional assets, changed their estate plan, or watched their children become financially independent. At the same time, premiums may have increased or the policy may simply no longer serve its original purpose. That does not necessarily mean the coverage should be terminated. It means the policy deserves another look. ## What Should Trigger a Policy Review? Advisors routinely review investment portfolios, retirement strategies, and estate plans as clients’ circumstances change. Life insurance should be part of that process. A policy review may be especially valuable when a client: - Enters or approaches retirement - Experiences a significant change in financial circumstances - No longer needs the original death benefit - Faces increasing premiums - Sells a business or completes a succession plan - Updates an estate or legacy plan - Needs additional liquidity for retirement, healthcare, or other expenses Even when keeping the policy remains the best option, reviewing it can help confirm that the coverage continues to align with the client’s goals. ## Awareness Means Understanding Every Option When clients decide they no longer need or want a life insurance policy, they may assume their choices are limited to surrendering the policy or allowing it to lapse. For eligible policyholders, there may be another option: a life settlement. A life settlement allows a policyholder to sell an existing life insurance policy to a third party for a cash payment. The buyer assumes responsibility for future premiums and receives the death benefit when the insured passes away. For qualifying clients, the proceeds may exceed the policy’s cash surrender value and provide liquidity that can be redirected toward current financial priorities. ## Make Life Insurance Part of the Financial Planning Conversation Life Insurance Awareness Month is an opportunity to think beyond purchasing new coverage. It is also a reminder that existing life insurance should evolve alongside the rest of a client’s financial plan. Advisors can use September as an opportunity to revisit older policies, identify coverage that may no longer serve its original purpose, and make sure clients understand the options available to them before surrendering or lapsing a policy. Because being informed about life insurance is not just about knowing when to buy it. **It is also about knowing what to do when life changes.** ## Give Existing Policies a Second Look If you have clients with life insurance policies that may no longer fit their financial goals, a policy valuation can help determine whether a life settlement could be an option. [**Try Abacus Life’s free policy valuation calculator to see whether your client’s policy may qualify for a life settlement.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [Healthcare Could Cost $185,500 in Retirement. Could an Old Life Insurance Policy Help?](https://abacuslifesettlements.com/healthcare-could-cost-185500-in-retirement-could-an-old-life-insurance-policy-help/) **Published:** August 19, 2026 **Author:** Andrew Brown **Content:** Healthcare is becoming one of the biggest financial challenges facing retirees. **[According to Fidelity Investments’ latest Retiree Health Care Cost Estimate](https://newsroom.fidelity.com/pressreleases/fidelity-investments--shares-25th-annual-retiree-health-care-cost-estimate--highlighting-the-importa/s/0dd560b4-98cb-492e-bdec-f7168f97aede)**, 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 rising expenses. **[At Abacus Life](https://abacuslifesettlements.com/calculate/)**, we believe one often overlooked source is life insurance. ## The Healthcare Gap Advisors Need to Address Many retirees assume Medicare will cover most of their healthcare expenses. Fidelity found that 54% of pre-retirees incorrectly believe Medicare will cover all of their healthcare costs. In reality, retirees can still be responsible for: - Medicare premiums - Deductibles and copayments - Prescription drug costs - Services not fully covered by Medicare - Potential long-term care expenses When these costs arise, clients often turn to their retirement accounts or investment portfolios for cash. But that may not be their only option. ## Could an Old Policy Become a New Source of Liquidity? Many retirees own life insurance policies purchased decades ago for income replacement, estate planning, or family protection. Over time, those needs can change. Children become financially independent. Mortgages are paid off. Estate plans evolve. Yet clients may continue paying premiums on coverage they no longer need. For eligible clients, a life settlement offers another option. Instead of surrendering or lapsing the policy, a client may be able to sell it for a cash payment and eliminate future premium obligations. Those proceeds can potentially help: - Cover healthcare expenses - Supplement retirement income - Build additional cash reserves - Prepare for future care needs - Reduce pressure on investment portfolios ## Give Retirement Assets More Flexibility Consider a retiree who encounters a major healthcare expense during a market downturn. Without another source of liquidity, the client may need to sell investments at an unfavorable time or increase withdrawals from retirement accounts. If that same client owns a life insurance policy that no longer serves its original purpose, evaluating it for a life settlement could provide another option. That is why life insurance deserves a place alongside investments, retirement accounts, cash reserves, and other assets when advisors plan for future healthcare costs. ## Review the Policy Before the Need Becomes Urgent The best time to identify potential sources of liquidity is before a client needs them. As part of a retirement review, advisors should consider asking: - Does the client still need the death benefit? - Are premiums becoming a burden? - Has the client’s financial situation changed? - When was the policy last reviewed? - Could the policy qualify for a life settlement? A simple policy review could uncover an asset that helps strengthen the client’s broader retirement plan. ## $185,500 Is a Reason to Start the Conversation Fidelity’s latest estimate is an important reminder that healthcare needs to be planned for long before a crisis occurs. For advisors, that means looking across the client’s entire financial picture and identifying every potential source of flexibility. Sometimes, an old life insurance policy could play a new role. ## Discover What Your Clients’ Policies Could Be Worth If a client’s life insurance policy no longer serves its original purpose, consider evaluating its potential before healthcare expenses put additional pressure on their retirement assets. [**Try Abacus Life’s free policy valuation calculator to see whether your client’s policy may qualify for a life settlement.**](https://abacuslifesettlements.com/calculate/) *\*Fidelity. (2026, July 21). Fidelity Investments<strong>®</strong> Shares 25th Annual Retiree Health Care Cost Estimate, Highlighting the Importance of Incorporating Potential Health Expenses in Retirement Planning. Fidelity Newsroom; Fidelity. https://newsroom.fidelity.com/pressreleases/fidelity-investments–shares-25th-annual-retiree-health-care-cost-estimate–highlighting-the-importa/s/0dd560b4-98cb-492e-bdec-f7168f97aede* **Categories:** Life Settlement Blog --- ### [The Estate Tax Exemption Is Now $15 Million. Does Your Client Still Need That Life Insurance Policy?](https://abacuslifesettlements.com/the-estate-tax-exemption-is-now-15-million-does-your-client-still-need-that-life-insurance-policy/) **Published:** August 26, 2026 **Author:** Andrew Brown **Content:** 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 raises an important question: **If a life insurance policy was originally purchased to help cover estate taxes, does the client still need the same coverage today?** **[At Abacus Life Solutions](https://abacuslifesettlements.com/calculate/)**, we believe changes like these are an important reminder that life insurance should be reviewed whenever a client’s broader financial or estate plan changes. ## Why Life Insurance Has Played a Role in Estate Planning Life insurance has long been an important tool for high-net-worth families. In addition to supporting legacy and wealth transfer goals, policies can provide liquidity to help beneficiaries address expenses following a death, including potential estate taxes. For clients with substantial illiquid assets, life insurance can help prevent heirs from having to quickly sell businesses, real estate, or investments to generate cash. But when tax laws change, the assumptions behind an estate plan can change too. ## A $15 Million Exemption Changes the Conversation The federal basic exclusion amount increased from **$13.99 million in 2025 to $15 million in 2026**. For some high-net-worth clients, particularly those whose estates fall below the new threshold, potential federal estate tax exposure may look very different than it did when their life insurance strategy was originally created. That does not mean the policy is no longer valuable or necessary. It means the policy deserves another look. Advisors should consider asking: - Why was the policy originally purchased? - Does that need still exist? - How has the client’s estate changed? - Are there state estate or inheritance taxes to consider? - Does the death benefit still support legacy or business planning goals? - Are ongoing premiums still justified? The answers may confirm that keeping the policy is the right strategy. In other situations, they may reveal an opportunity to reposition the asset. ## What Happens When the Original Need Changes? Imagine a client purchased a large life insurance policy years ago primarily to provide liquidity for anticipated federal estate taxes. Since then, tax laws have changed, the client’s estate plan has evolved, and their expected federal estate tax exposure has decreased. Meanwhile, the client continues paying substantial premiums to maintain the coverage. Traditionally, the options might have been to keep the policy, surrender it, or allow it to lapse. A life settlement introduces another possibility. For an eligible client, selling the policy may provide a cash payment greater than its surrender value while also eliminating future premium obligations. ## Turning an Estate Planning Asset Into Today’s Liquidity If coverage is no longer necessary, a life settlement can allow clients to reposition value from a policy toward other financial priorities. Proceeds could potentially be used to: - Supplement retirement income - Reinvest in other assets - Support family members today - Fund charitable goals - Cover healthcare or long-term care expenses - Increase overall financial flexibility The goal is not simply to sell an old policy. It is to determine whether that asset is still serving its highest and best purpose within the client’s current financial plan. ## Tax Changes Should Trigger Policy Reviews Estate plans are not meant to remain static. When tax laws, family circumstances, business interests, or financial goals change, advisors routinely revisit trusts, gifting strategies, and other planning decisions. Life insurance should be part of that review. A policy that was perfectly suited to a client’s estate plan ten years ago may still be exactly right today. Or it may not. The only way to know is to evaluate it. ## A New Estate Tax Landscape Creates a New Planning Opportunity The $15 million federal estate tax exemption gives advisors another reason to revisit life insurance with high-net-worth clients. For some, the new exemption will not change the need for coverage. For others, it may significantly change the role life insurance plays in their estate plan. Either way, the conversation is worth having. **If the reason for owning the policy has changed, it may be time to determine whether the policy should change too.** ## Discover What Your Clients’ Policies Could Be Worth If a client’s estate plan has changed and an existing life insurance policy may no longer serve its original purpose, consider evaluating all available options before surrendering or lapsing the coverage. [**Try Abacus Life’s free policy valuation calculator to see whether your client’s policy may qualify for a life settlement.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [Abacus LifeARC™ Puts Lifespan at the Center of Retirement Planning](https://abacuslifesettlements.com/abacus-lifearc-puts-lifespan-at-the-center-of-retirement-planning/) **Published:** August 5, 2026 **Author:** Andrew Brown **Content:** Abacus Global Management is making the case that the most important number in retirement is not how much a client has saved, but how long that money needs to last. In a recent Fox Business interview, Chairman and CEO Jay Jackson said individualized lifespan data should be the leading factor in asset allocation, and that most plans today barely account for it. Jay illustrated the problem with a familiar scenario. Two 65-year-olds with similar savings often receive nearly identical plans from their advisors, even though their health profiles, and therefore their lifespans, may look very different. According to Jay, that gap is not a failure of judgment but a data problem, one that Abacus built its AI-powered LifeARC™ platform to solve. The stakes are considerable. Jay noted that more than $124 trillion in assets is expected to pass to the next generation in the coming years, with roughly $40 trillion of it going to women, who tend to live longer. He argued that many retirees shift to conservative allocations too early, and that staying appropriately invested can meaningfully increase retirement income and, in some cases, leave 20 to 30% more to heirs, based on historical returns. Central to Jay’s argument is the idea that a lifespan is not a straight line but an arc of probabilities shaped by an individual’s health and history. Launched in June, LifeARC™ builds a personalized model of how long a client is likely to be in retirement, giving advisors a clearer basis for allocation and estate planning. The platform draws on two decades of proprietary data, including millions of pages of medical records that Abacus can now review and model far faster than traditional methods allow. Jay said the company also verifies mortality across the United States at the source, often within 48 hours and at close to 100% accuracy, keeping the models grounded in current outcomes. For advisors, the implications extend to in-force life insurance policies. Because a policy’s value is tied directly to lifespan, a more precise view of longevity helps advisors assess what a policy is worth today and identify when a life settlement is a better option than letting coverage lapse. For the past 5 years, **[Abacus Life has consistently paid the most](https://abacuslifesettlements.com/abacus-pays-the-most/)** on average per face value when compared against the industry average. To learn how Abacus Life and LifeARC™ can support your planning and life settlement conversations, reach out to your Abacus Life National Account representative. **Categories:** Life Settlement Blog --- ### [How Life Settlements Can Help Reduce Sequence of Returns Risk](https://abacuslifesettlements.com/how-life-settlements-can-help-reduce-sequence-of-returns-risk/) **Published:** July 22, 2026 **Author:** Andrew Brown **Content:** One of the greatest challenges retirees face is not simply market volatility. It is the timing of that volatility. When markets decline early in retirement, clients who continue withdrawing from their investment portfolios may experience what is known as **sequence of returns risk**. Even if markets eventually recover, early losses combined with ongoing withdrawals can significantly reduce the longevity of a retirement portfolio. For financial advisors, managing sequence of returns risk has become an increasingly important part of retirement planning. At Abacus Life, we believe one often overlooked strategy is evaluating life insurance policies that may no longer serve their original purpose. Through a life settlement, clients may be able to access liquidity from an existing asset, helping reduce the need to sell investments during unfavorable market conditions. ## Understanding Sequence of Returns Risk Sequence of returns risk refers to the impact that the timing of investment returns can have on a retirement portfolio. Two investors may earn the exact same average annual return over twenty years. However, if one experiences significant market losses during the first few years of retirement while taking regular withdrawals, they may end up with substantially less money over time. Why? Because withdrawing assets during a market decline means: - Selling investments at lower values - Reducing the amount of capital available to participate in future recoveries - Increasing the likelihood that retirement assets are depleted sooner For retirees relying on portfolio income, this can become a major planning concern. ## Liquidity Becomes Critical During Market Downturns Market volatility is inevitable. The challenge is ensuring clients have flexibility when markets decline. If retirees have no other source of liquidity, they may be forced to: - Sell investments during a downturn - Withdraw more from retirement accounts than planned - Disrupt long-term investment strategies These decisions are often driven by immediate cash needs rather than sound financial planning. Creating additional sources of liquidity can help clients avoid making these difficult choices. ## Looking Beyond Traditional Sources of Cash When clients need additional income, advisors often look to: - Cash reserves - Retirement accounts - Taxable investment portfolios - Fixed income assets While each of these may play an important role, there is another asset that is frequently overlooked. Life insurance. For many retirees, policies purchased decades ago may no longer align with their financial goals. Instead of continuing to pay premiums or allowing a policy to lapse, eligible clients may be able to convert that policy into meaningful liquidity through a life settlement. ## How Life Settlements Can Support Retirement Planning A life settlement allows a policyholder to sell an existing life insurance policy for a cash payment that is greater than the surrender value. For retirees, those proceeds can provide an alternative source of funds during periods of market uncertainty. Rather than selling investments after a market decline, clients may choose to use proceeds from a life settlement to: - Cover living expenses - Fund healthcare costs - Meet unexpected financial needs - Bridge temporary income gaps This additional flexibility can allow investment portfolios more time to recover before withdrawals resume. ## A Practical Example Consider a retiree whose investment portfolio has declined during a period of market volatility. At the same time, they own a life insurance policy that: - Is no longer needed for estate planning - Requires ongoing premium payments - Has not been reviewed in several years Without additional liquidity, the retiree may need to sell investments at depressed values to meet income needs. Instead, the advisor evaluates the policy for a life settlement. The client receives a cash payment that provides liquidity for the next several years while eliminating future premium obligations. As a result, the client is able to reduce withdrawals from their investment portfolio during a market downturn, giving those assets additional time to recover. While every situation is unique, this illustrates how a life settlement can become another planning tool within a broader retirement strategy. ## A More Flexible Retirement Plan Financial flexibility has become one of the defining characteristics of successful retirement planning. Clients who have multiple sources of liquidity are often better positioned to: - Navigate market volatility - Respond to unexpected expenses - Preserve long-term investment strategies - Reduce financial stress Life settlements are not intended to replace traditional retirement income strategies. Instead, they can complement them by providing another source of capital when it may be needed most. ## Helping Clients Make Better Decisions One of the most valuable roles an advisor plays is helping clients avoid emotional financial decisions. During periods of market uncertainty, retirees may feel pressure to: - Sell investments - Change long-term strategies - React to short-term market movements Having access to additional liquidity can reduce that pressure. When clients know they have other options, they are often able to remain focused on their long-term financial plan. ## Why Policy Reviews Matter Not every life insurance policy will qualify for a life settlement. However, many advisors never evaluate the possibility. By making policy reviews a routine part of retirement planning, advisors can identify opportunities that may: - Improve liquidity - Reduce premium burdens - Support retirement income planning - Strengthen overall financial flexibility Sometimes the most valuable planning opportunities come from assets clients already own. ## A Smarter Approach to Retirement Planning Managing sequence of returns risk requires more than thoughtful investment management. It requires evaluating every available resource that can help clients navigate market uncertainty. Life settlements offer advisors another way to help clients preserve investment portfolios while creating additional financial flexibility. In today’s market environment, that conversation can make a meaningful difference in long-term retirement outcomes. ## Discover What Your Clients’ Policies Are Really Worth If your clients own life insurance policies that may no longer fit their retirement goals, there may be an opportunity to strengthen their financial plan. With **[Abacus Life’s free policy valuation calculator](https://abacuslifesettlements.com/calculate/)**, you can quickly assess whether a policy may qualify for a life settlement and how it could support a more flexible retirement strategy. [**Start evaluating. Start identifying opportunities. Start delivering more value.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [The Most Overlooked Asset on a Client's Balance Sheet](https://abacuslifesettlements.com/the-most-overlooked-asset-on-a-clients-balance-sheet/) **Published:** July 15, 2026 **Author:** Andrew Brown **Content:** When financial advisors review a client’s balance sheet, they typically focus on the assets that receive the most attention. Investment portfolios. Retirement accounts. Real estate. Cash reserves. Business interests. These assets are regularly monitored, rebalanced, and evaluated to ensure they continue supporting a client’s financial goals. Yet one asset is often left out of the conversation altogether. Life insurance. At Abacus Life, we believe life insurance deserves the same level of attention as every other financial asset. While it is commonly viewed as a protection tool, it can also represent a significant source of value that many clients and advisors overlook. As financial planning becomes more comprehensive, advisors are beginning to recognize that a life insurance policy should not simply be filed away after it is purchased. It should be reviewed just like every other asset on a client’s balance sheet. ## Life Insurance Is More Than a Death Benefit For many years, life insurance has been viewed through a single lens. Its primary purpose was to provide a death benefit to beneficiaries. While that remains an important function, it is no longer the only way a policy can provide value. As clients age and their financial needs evolve, life insurance may become an asset that can support their goals during their lifetime. This shift in perspective is changing the way advisors approach financial planning. Instead of asking, “What happens when this policy pays out?” advisors are beginning to ask, “How can this asset create value today?” ## Why Policies Are Often Overlooked Unlike investment accounts, life insurance policies are not typically reviewed on an annual basis. Many clients purchase coverage and simply continue paying premiums for years without reconsidering whether the policy still fits their financial plan. This happens for several reasons: - The policy has fulfilled its purpose for many years. - Clients assume their only options are to keep the policy or let it lapse. - Advisors may focus more heavily on investment management than insurance reviews. The result is that policies often remain untouched, even when a client’s financial circumstances have changed dramatically. ## Every Asset Should Be Evaluated Financial planning is built around maximizing the value of every asset. Advisors regularly ask questions such as: - Is this investment still appropriate? - Should this portfolio be rebalanced? - Is this property still meeting the client’s objectives? Life insurance deserves those same questions. For example: - Does the client still need the same amount of coverage? - Are premium payments still justified? - Does the policy support current retirement and estate planning goals? - Could the policy provide greater value in another way? These conversations help ensure every asset continues working toward the client’s objectives. ## When a Policy No Longer Fits Life changes. A policy purchased twenty or thirty years ago may have been essential at the time. Today, the situation may look very different. Clients may have: - Paid off their mortgage. - Watched their children become financially independent. - Sold a business. - Adjusted their estate planning strategy. - Entered retirement with new priorities. When those changes occur, the role of life insurance should be reevaluated. Holding onto a policy simply because it has always been there may no longer be the best financial decision. ## Discovering Hidden Value One of the biggest misconceptions surrounding life insurance is that its value exists only in the future. In reality, many policies may have value today. Through a life settlement, eligible policyholders can sell an unwanted or unnecessary life insurance policy for a cash payment that is often greater than the surrender value. This creates opportunities to: - Supplement retirement income. - Fund long-term care expenses. - Improve liquidity. - Reduce ongoing premium obligations. - Reallocate assets to better support current financial goals. For many clients, it transforms an underutilized policy into a meaningful financial resource. ## A Better Conversation for Advisors Life settlements are not the right solution for every client. However, every qualifying policy deserves to be evaluated. By incorporating life insurance reviews into routine planning discussions, advisors can uncover opportunities that might otherwise remain hidden. Instead of viewing policies as static products, advisors can begin treating them like dynamic financial assets. This approach creates more comprehensive planning and demonstrates a commitment to evaluating every opportunity that could benefit the client. ## The Future of Holistic Financial Planning The financial planning profession continues to evolve. Today’s clients expect advisors to deliver guidance that extends beyond investment management. They want someone who understands their entire financial picture. That includes: - Investments. - Retirement accounts. - Real estate. - Business interests. - Insurance assets. The advisors who consistently review every component of a client’s balance sheet are often the ones who uncover the greatest opportunities. Life insurance should not be the exception. ## Don’t Let Valuable Assets Go Unnoticed One of the easiest ways to improve client outcomes is to revisit assets that have not been evaluated in years. A life insurance policy that once served one purpose may now be capable of supporting entirely different financial objectives. The opportunity begins with a simple question: **When was the last time this policy was reviewed?** For many clients, the answer may reveal an opportunity they never knew existed. ## Discover What Your Clients’ Policies Are Really Worth If your clients own life insurance policies that have not been reviewed recently, there may be untapped value waiting to be discovered. With **[Abacus Life’s free policy valuation calculator](https://abacuslifesettlements.com/calculate/)**, you can quickly determine whether a policy may qualify for a life settlement and how it could contribute to a client’s broader financial strategy. [**Start evaluating. Start identifying opportunities. Start delivering more value.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [5 Signs a Client’s Life Insurance Policy Should Be Reviewed](https://abacuslifesettlements.com/5-signs-a-clients-life-insurance-policy-should-be-reviewed/) **Published:** July 1, 2026 **Author:** Andrew Brown **Content:** Life insurance is one of the most commonly owned financial products, yet it is often one of the least reviewed. Advisors regularly evaluate investment portfolios, retirement accounts, and tax strategies to ensure they remain aligned with a client’s goals. However, life insurance policies can go years, or even decades, without receiving the same level of attention. **[At Abacus Life](https://abacuslifesettlements.com/calculate/)**, we believe regular policy reviews are an essential part of comprehensive financial planning. As client circumstances change, a policy that once made perfect sense may no longer be serving its intended purpose. The good news is that a simple review can often uncover opportunities that might otherwise go unnoticed. Here are five signs it may be time to take a closer look at a client’s life insurance policy. ## 1. The Original Reason for the Policy No Longer Exists Life insurance is often purchased to solve a specific financial need. Common examples include: - Income replacement for a spouse or children - Funding a business succession plan - Covering estate tax obligations - Paying off debt Over time, those needs may change. Children become financially independent. Businesses are sold. Debts are paid off. Estate plans evolve. When the original purpose of a policy no longer exists, it may be time to evaluate whether the coverage is still necessary and whether the policy could be utilized more effectively elsewhere. ## 2. Premium Payments Have Become a Burden Many policyholders purchased coverage decades ago when their income and financial priorities looked very different. Today, some retirees find themselves paying significant premiums on policies they no longer need or want. If a client is: - Concerned about ongoing premium costs - Looking to improve cash flow - Reassessing retirement expenses A policy review may reveal alternatives that better align with their current financial situation. Premium obligations should always be evaluated alongside the value the policy continues to provide. ## 3. A Client Is Considering Surrendering or Lapsing the Policy This is one of the most important indicators that a policy should be reviewed. Many clients assume they only have two options: - Keep the policy - Surrender or lapse the policy However, there may be a third option. A life settlement allows eligible policyholders to sell their policy for a cash payment that is often greater than the surrender value. Before a client walks away from a policy, advisors should ensure all available options have been explored. A simple review could reveal significant value that would otherwise be lost. ## 4. Retirement Goals Have Changed Retirement planning is rarely static. Clients may experience: - Changes in spending needs - Healthcare concerns - Long-term care planning challenges - New income requirements As these priorities evolve, life insurance policies should be reassessed within the broader financial plan. A policy that was once intended to create a future death benefit may now be capable of supporting current retirement goals through increased liquidity and financial flexibility. ## 5. The Policy Has Not Been Reviewed in Several Years Sometimes the biggest sign is the simplest one. If a policy has not been reviewed in five years or more, there is a good chance circumstances have changed. Policy reviews can help advisors: - Confirm coverage remains appropriate - Evaluate premium efficiency - Identify changes in client objectives - Explore opportunities that may not have existed previously Just as investment portfolios require periodic attention, life insurance policies deserve regular evaluation as well. ## Why Policy Reviews Matter The most effective advisors take a proactive approach to financial planning. Rather than waiting for a client to raise concerns, they regularly evaluate all assets to ensure they continue to support current goals. Life insurance should be no exception. By reviewing policies consistently, advisors can: - Identify overlooked opportunities - Improve client outcomes - Strengthen client relationships - Deliver more comprehensive advice In many cases, the review itself can become one of the most valuable services an advisor provides. ## Every Asset Deserves a Second Look A life insurance policy purchased years ago may still be serving its intended purpose. But it may not. The only way to know is to review it. As clients move through different stages of life, their financial needs evolve. Policies should evolve with them, or at the very least, be evaluated to determine whether they still fit within the broader financial plan. For advisors committed to holistic planning, that conversation is well worth having. ## Discover What Your Clients’ Policies Are Really Worth If your clients own life insurance policies that have not been reviewed recently, there may be opportunities hiding in plain sight. With **[Abacus Life’s free policy valuation calculator](https://abacuslifesettlements.com/calculate/)**, you can quickly assess whether a policy may qualify for a life settlement and how it could support a client’s broader financial goals. [**Start evaluating. Start identifying opportunities. Start delivering more value.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [The Revenue Opportunity Hidden Inside Existing Client Portfolios](https://abacuslifesettlements.com/the-revenue-opportunity-hidden-inside-existing-client-portfolios/) **Published:** June 17, 2026 **Author:** Andrew Brown **Content:** For many financial advisors, growth is often associated with one thing: acquiring new clients. While prospecting and business development will always be important, there is another opportunity that is frequently overlooked. It may already exist within the relationships advisors have spent years building. **[At Abacus Life](https://abacuslifesettlements.com/calculate/)**, we believe some of the most valuable opportunities are hidden inside existing client portfolios, specifically within life insurance policies that are no longer aligned with a client’s needs. Life settlements give advisors a way to uncover additional value for clients while strengthening relationships and expanding the scope of their services. The best part? It does not require finding a single new client. ## The Growth Opportunity Many Advisors Miss Most advisors focus significant time and resources on: - Prospecting - Marketing - Networking - Referrals All of these efforts are important, but they can also be expensive and time consuming. Meanwhile, existing clients often hold assets that have not been reviewed in years. Life insurance is one of the most common examples. Policies purchased decades ago for income protection, estate planning, or business needs may no longer serve their original purpose. Yet many remain untouched and unevaluated. For advisors, this creates an opportunity hiding in plain sight. ## Existing Clients Often Have Untapped Value Over time, client circumstances change. Children become financially independent. Businesses are sold. Estate plans evolve. Retirement priorities shift. Despite these changes, life insurance policies frequently remain in place simply because no one has revisited them. When this happens, advisors may be overlooking an opportunity to help clients realize value from an asset that no longer fits their financial goals. A life settlement can transform that conversation. ## Turning Policy Reviews Into Planning Opportunities A life settlement allows a policyholder to sell an existing life insurance policy for a cash payment that is greater than the surrender value. For clients, this can create: - Additional retirement income - Long-term care funding - Increased liquidity - Greater financial flexibility For advisors, it creates a new planning opportunity within an existing relationship. Instead of viewing policy reviews as administrative tasks, they become strategic conversations that can lead to meaningful client outcomes. ## Growing Wallet Share Through Better Planning The most successful advisory firms are often the ones that provide the broadest range of value to their clients. When advisors expand beyond traditional investment management and evaluate all client assets, they naturally deepen relationships and increase engagement. Life settlements support this approach by helping advisors: - Identify overlooked opportunities - Deliver more comprehensive planning - Strengthen client trust - Expand the scope of financial discussions As a result, advisors are often able to increase wallet share by becoming more deeply involved in a client’s overall financial life. ## The Power of Proactive Reviews Many clients assume that if their life insurance policy still exists, it is still serving its intended purpose. That assumption is not always correct. The advisors who create the most value are often the ones willing to ask: - Does this policy still align with your goals? - Are the premiums still justified? - Could this asset be working harder elsewhere? These conversations often uncover opportunities that clients never knew existed. More importantly, they demonstrate a proactive approach that clients appreciate and remember. ## Better Client Outcomes Create Stronger Relationships One of the most effective ways to grow a business is by creating exceptional client experiences. When advisors help clients uncover unexpected value, it reinforces trust and strengthens long-term relationships. Imagine a client who is preparing to surrender a policy for $50,000. After evaluating the policy through the life settlement market, they discover it may be worth several times that amount. That is not just a financial win. It is a moment that reinforces the advisor’s role as a trusted partner and problem solver. ## Differentiation in a Competitive Market Today’s clients have access to countless financial products, platforms, and advisors. Standing out requires more than investment performance alone. Advisors who incorporate life settlements into their planning process demonstrate that they: - Look beyond traditional solutions - Evaluate all available options - Prioritize comprehensive financial planning This level of service can help distinguish an advisor from competitors who may not be having these conversations. ## Finding Growth Without Finding New Clients Business growth does not always have to come from acquiring new relationships. Sometimes the greatest opportunities are already sitting within the client base you have today. By reviewing life insurance policies and exploring life settlement opportunities, advisors can: - Deliver additional value - Create stronger client outcomes - Expand planning conversations - Deepen existing relationships In many cases, the opportunity is not hidden because it is difficult to find. It is hidden because no one has looked for it. ## The Future of Advisory Growth As financial planning continues to evolve, advisors are increasingly expected to provide guidance across every aspect of a client’s financial life. That means evaluating more than just investments. It means understanding how all assets contribute to a client’s goals and identifying opportunities that may otherwise go unnoticed. Life settlements represent one of those opportunities. For advisors focused on growth, they offer a unique combination of client value, planning flexibility, and business development potential, all within relationships that already exist. ## Discover What Your Clients’ Policies Are Really Worth Your next growth opportunity may already be sitting inside a client’s portfolio. With **[Abacus Life’s free policy valuation calculator](https://abacuslifesettlements.com/calculate/)**, you can quickly assess whether a policy may qualify for a life settlement and uncover opportunities that could benefit both your clients and your practice. [**Start evaluating. Start identifying opportunities. Start delivering more value.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [Q2 Longevity Trends Webinar Featuring Dr. Jay Olshansky](https://abacuslifesettlements.com/q2-longevity-trends-webinar-featuring-dr-jay-olshansky/) **Published:** June 16, 2026 **Author:** Admin **Content:** Listen in to our Q2 Longevity Trends Webinar Featuring Dr. Jay Olshansky.  Life Insurance Agents & Brokers in this session can expect insights on: - How longevity trends are reshaping financial planning and retirement strategies - Why longevity risk is creating new planning challenges, and new opportunities for advisors - How life insurance and life settlements can unlock additional value for clients - Live Q&A with industry experts **Categories:** Webinar **Tags:** Webinar --- ### [How Life Settlements Help Advisors Deliver Holistic Planning](https://abacuslifesettlements.com/how-life-settlements-help-advisors-deliver-holistic-planning/) **Published:** June 10, 2026 **Author:** Andrew Brown **Content:** Financial planning has evolved far beyond investment management alone. Today’s clients expect advisors to help navigate every aspect of their financial lives, from retirement income and healthcare costs to tax efficiency and liquidity planning. **[At Abacus Life](https://abacuslifesettlements.com/calculate/)**, we believe one of the most overlooked opportunities in holistic planning is life insurance. Too often, life insurance policies are treated as static products that sit outside the broader financial strategy. But when evaluated properly, those policies can become powerful planning tools that support a wide range of client objectives. That is why more advisors are incorporating life settlements into comprehensive planning conversations. ## Holistic Planning Requires Looking at Every Asset Modern financial planning is built around one core principle: every asset should be evaluated based on how it contributes to a client’s current goals. Advisors routinely review: - Investment portfolios - Retirement accounts - Tax strategies - Real estate holdings But life insurance is frequently overlooked. In many cases, policies that were purchased years ago may no longer align with a client’s financial situation or long-term objectives. Without regular evaluation, clients may continue paying premiums on policies that: - Are no longer needed - No longer fit estate plans - Could potentially provide greater value elsewhere This creates a missed planning opportunity. ## Life Settlements Add Flexibility to Retirement Planning One of the biggest concerns facing retirees today is generating sustainable income while preserving long-term financial security. A life settlement can help create additional liquidity by allowing a client to sell an unwanted or underutilized life insurance policy for a cash payment greater than the surrender value. Those proceeds can then be used to: - Supplement retirement income - Delay portfolio withdrawals - Reduce financial stress during volatile markets - Improve overall cash flow flexibility For advisors, this creates another tool to help clients navigate retirement more efficiently. ## Supporting Long-Term Care Planning Long-term care costs continue to rise, placing significant pressure on retirement savings and family finances. Many clients are unprepared for: - Assisted living expenses - Skilled nursing care - In-home healthcare costs Rather than relying solely on investment assets or retirement accounts, life settlements can provide an additional source of funding for care related expenses. This can help clients: - Preserve investment portfolios - Avoid unnecessary liquidation of assets - Create more flexibility in healthcare planning For advisors focused on long-term care planning, life settlements can play an important role in creating more comprehensive solutions. ## Creating Opportunities for Tax Efficient Planning Tax strategy has become an increasingly important part of financial planning, especially for retirees managing distributions, capital gains, and income thresholds. While every client situation is different, life settlements can potentially create opportunities to: - Reposition assets more efficiently - Reduce the need for taxable withdrawals from other accounts - Improve broader retirement distribution strategies When coordinated properly with tax professionals, life settlements can become part of a larger conversation around optimizing financial outcomes. ## Improving Liquidity Without Disrupting Other Assets Liquidity is one of the most valuable components of a flexible financial plan. Unexpected expenses, healthcare needs, or market downturns can quickly create financial pressure for retirees. A life settlement can provide immediate liquidity from an asset that may otherwise go unused or lapse. This gives clients additional options without forcing them to: - Sell investments during unfavorable market conditions - Increase debt - Disrupt long-term planning strategies For many clients, that added flexibility can make a meaningful difference. ## A More Comprehensive Client Conversation Incorporating life settlements into the planning process changes the conversation advisors have with clients. Instead of viewing life insurance as a standalone product, advisors can evaluate it within the context of: - Retirement goals - Healthcare planning - Tax considerations - Estate objectives - Liquidity needs This creates a more holistic and client centered approach. It also reinforces the advisor’s role as someone who evaluates every aspect of a client’s financial picture rather than focusing on a limited set of assets. ## Why More Advisors Are Adopting This Approach As the financial planning industry continues to evolve, clients increasingly expect comprehensive guidance. Advisors who incorporate life settlements into their process are often able to: - Deliver more complete financial strategies - Identify overlooked opportunities - Strengthen client relationships - Differentiate themselves in a competitive market Most importantly, they help ensure that valuable assets are not ignored. ## The Shift From Product Thinking to Planning Thinking The industry is moving away from product centered advice and toward planning centered advice. That shift requires advisors to ask: - Does this asset still serve the client’s goals? - Could it be utilized more effectively elsewhere? - Are all available options being considered? Life settlements support this broader evolution by transforming life insurance from a passive asset into an active planning tool. ## A Better Outcome Through Holistic Planning Comprehensive planning is about more than managing investments. It is about helping clients make informed decisions across every area of their financial lives. Life settlements can support that mission by helping advisors address: - Retirement income needs - Long-term care costs - Tax planning considerations - Liquidity challenges When integrated thoughtfully, they become another valuable tool for delivering better client outcomes. ## Discover What Your Clients’ Policies Are Really Worth If life insurance is not currently part of your broader planning process, there may be untapped opportunities sitting within your clients’ portfolios. With Abacus Life’s **[free policy valuation calculator](https://abacuslifesettlements.com/calculate/)**, you can quickly assess whether a policy may qualify for a life settlement and how it could support a more comprehensive financial strategy. [**Start evaluating. Start identifying opportunities. Start delivering more value.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [AI, Data, and the Evolution of Life Settlements](https://abacuslifesettlements.com/ai-data-and-the-evolution-of-life-settlements/) **Published:** May 6, 2026 **Author:** Andrew Brown **Content:** The life settlements industry is entering a new phase of growth, driven not just by market demand, but by technology. Advances in AI and data analytics are transforming how policies are evaluated, priced, and transacted. **[At Abacus Life](https://abacuslifesettlements.com/calculate/)**, we are at the forefront of this evolution, leveraging technology to make life settlements faster, more transparent, and more accessible for advisors and their clients. What was once seen as a complex and time intensive process is becoming a streamlined, data driven strategy that fits seamlessly into modern financial planning. ## A Smarter Approach to Underwriting Underwriting has traditionally been one of the most time consuming aspects of the life settlement process. It often required manual reviews, fragmented data sources, and extended timelines. Today, AI is changing that. With advanced data modeling and predictive analytics, underwriting can now: - Process medical and actuarial data more efficiently - Identify key risk factors with greater precision - Deliver faster and more consistent evaluations This results in significantly reduced turnaround times and a smoother experience for both advisors and clients. Faster underwriting does not just improve efficiency. It allows advisors to act more quickly on opportunities and integrate life settlements into time sensitive planning decisions. ## More Accurate and Competitive Valuations Data is also transforming how life insurance policies are valued. Modern valuation models use a combination of: - Historical market data - Actuarial insights - Real time investor demand signals This leads to pricing that is: - More accurate - More consistent - More reflective of true market conditions For clients, this means greater confidence that they are receiving fair value for their policy. For advisors, it provides a stronger foundation for recommendations and planning strategies. ## Increased Transparency Builds Trust One of the historical challenges in the life settlements space has been a lack of transparency. Advisors and clients often had limited visibility into how offers were generated or how the process worked. Technology is helping change that. With improved data systems and digital platforms, the process is becoming: - Easier to understand - More trackable from start to finish - Better documented at every stage This increased transparency builds trust and makes it easier for advisors to introduce life settlements as part of a broader financial plan. ## Speed Matters in Today’s Planning Environment In a fast moving financial landscape, speed is no longer a luxury. It is an expectation. Clients want timely answers. Advisors need efficient solutions that fit into their workflow. Technology is enabling life settlements to meet those expectations by: - Reducing processing times - Streamlining documentation and communication - Accelerating decision making This allows life settlements to move from a “nice to have” option to a practical and actionable strategy. ## From Complexity to Accessibility As technology continues to improve, life settlements are becoming more accessible to a broader range of advisors and clients. What once required deep specialization is now supported by: - User friendly tools - Automated processes - Data driven insights This lowers the barrier to entry and makes it easier for advisors to incorporate life settlements into everyday planning conversations. ## The Future of Life Settlements Is Data Driven The role of AI and data in life settlements will only continue to grow. Future advancements are likely to include: - Even more precise life expectancy modeling - Enhanced predictive pricing capabilities - Greater integration with financial planning platforms These innovations will further strengthen life settlements as a reliable and scalable planning tool. Advisors who embrace this shift will be better positioned to deliver modern, forward thinking solutions to their clients. ## Leading the Way with Technology At Abacus Life, technology is not just a support function. It is a core part of how we deliver value. By investing in advanced analytics, streamlined processes, and digital tools, we are helping advisors: - Evaluate policies more efficiently - Access competitive market pricing - Navigate the life settlement process with confidence Our focus is simple. Make life settlements easier to understand, easier to execute, and more impactful for clients. ## A More Efficient, Transparent Future The evolution of life settlements is being shaped by innovation. With AI and data at the center, the process is becoming: - Faster - More transparent - More aligned with the needs of modern advisors and clients This is not just an improvement in process. It is a transformation in how life settlements are perceived and utilized within financial planning. ## Discover What Your Clients’ Policies Are Really Worth As technology continues to improve the life settlement process, there has never been a better time to explore the opportunity. With Abacus Life’s **[free policy valuation calculator](https://abacuslifesettlements.com/calculate/)**, you can quickly assess whether a client’s policy qualifies and how it may fit into their broader financial strategy. [**Start evaluating. Start identifying opportunities. Start delivering more value.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [Why 2026 Market Conditions Favor Life Settlements More Than Ever](https://abacuslifesettlements.com/why-2026-market-conditions-favor-life-settlements-more-than-ever/) **Published:** April 22, 2026 **Author:** Andrew Brown **Content:** In today’s evolving financial landscape, advisors are being challenged to find new ways to deliver stability, liquidity, and value for their clients. At **[Abacus Life](https://abacuslifesettlements.com/calculate/)**, we’re seeing a clear shift: life settlements are no longer just a niche solution, they’re becoming a market-driven strategy shaped by today’s macroeconomic environment. From persistent market volatility to growing investor demand for alternative assets, the conditions in 2026 are aligning in a way that makes life settlements more relevant than ever. ## Market Volatility Is Reshaping Client Priorities Over the past several years, market uncertainty has become the norm, not the exception. - Equity markets have experienced increased swings - Interest rate shifts have impacted traditional fixed income strategies - Inflation concerns continue to influence spending and planning decisions For retirees and pre-retirees, this creates a difficult balancing act: How do you generate income without selling assets at the wrong time? As a result, clients are placing a greater premium on: - Liquidity - Stability - Flexibility Advisors who can introduce non-market-dependent solutions are better positioned to help clients navigate this uncertainty. ## The Growing Need for Non-Correlated Assets At the same time, institutional investors are increasingly seeking uncorrelated assets**,** investments that are not tied to traditional market performance. Life settlements have emerged as one of those assets. Unlike stocks or bonds, the value of a life settlement is primarily driven by: - Actuarial factors - Policy structure - Life expectancy projections This lack of correlation makes life settlements attractive from an investment perspective, and that demand is fueling a strong, active secondary market. **Why does this matter for advisors?** Because increased investor demand helps support: - Competitive pricing for policies - Greater liquidity in the market - More consistent transaction activity In other words, the broader market is reinforcing the viability of life settlements as a financial strategy. ## Liquidity Is No Longer Optional In uncertain markets, liquidity becomes one of the most valuable attributes an advisor can offer a client. Yet many retirees hold assets that are: - Illiquid - Underperforming - No longer aligned with their goals Life insurance policies often fall into this category. Policies that were once essential may now: - Carry unnecessary premium burdens - No longer fit estate planning needs - Represent capital that could be used more effectively elsewhere A life settlement transforms that equation, turning an illiquid policy into **immediate cash value**. ## From Policy to Planning Tool Historically, life insurance has been viewed as a static asset: something that either pays out or lapses. But in today’s market, that perspective is changing. Life settlements allow advisors to reposition life insurance as a **strategic planning tool**, capable of supporting: - Retirement income needs - Long-term care funding - Portfolio reallocation - Tax-efficient financial strategies This shift is especially powerful in a volatile environment where flexibility is critical. ## A Market-Driven Opportunity for Advisors What makes 2026 unique is the convergence of multiple forces: ### 1. Client Need for Liquidity Clients are actively looking for ways to access capital without disrupting their broader financial plan. ### 2. Investor Demand for Alternative Assets A growing base of institutional buyers is increasing competition and supporting policy valuations. ### 3. Increased Awareness More advisors and clients are beginning to recognize life settlements as a viable option, though adoption is still far from saturated. Together, these factors create a clear takeaway: **This isn’t just a client solution, it’s a market-driven opportunity.** ## The Advisors Who Win in This Environment The advisors who stand out in today’s market are those who: - Look beyond traditional asset classes - Identify overlooked opportunities within existing portfolios - Proactively introduce strategies that align with current market realities Incorporating life settlements into regular client reviews is one way to do exactly that. It signals a shift from reactive planning to **proactive value optimization**. ## Discover What Your Clients’ Policies Are Really Worth Market conditions are creating new opportunities, but only if they’re identified. With **[Abacus Life’s free policy valuation calculator](https://abacuslifesettlements.com/calculate/)**, you can quickly assess whether a client’s life insurance policy may qualify for a life settlement. [**Start the conversation. Evaluate the opportunity. Deliver more value.**](https://abacuslifesettlements.com/calculate/) **Categories:** Life Settlement Blog --- ### [Longevity Is Reshaping Financial Planning, and Creating New Opportunities for Advisors](https://abacuslifesettlements.com/longevity-is-reshaping-financial-planning-and-creating-new-opportunities-for-advisors/) **Published:** April 14, 2026 **Author:** Andrew Brown **Content:** At [**Abacus Life**](https://abacuslifesettlements.com/), we work closely with insurance agents and financial advisors navigating one of the biggest shifts in modern financial planning: longevity. Longevity is changing, but not in the simple, linear way many expected. For insurance agents and financial advisors, this shift is creating both new planning challenges and new opportunities; particularly when it comes to life insurance and life settlements. ### **A More Complex Longevity Landscape** While people are generally living longer, recent data suggests that life expectancy gains are slowing and becoming less predictable. At the same time, advances in healthcare and lifestyle improvements are extending *healthspan* for many individuals. The result is a more fragmented reality: - Some clients are living longer than expected - Others are facing earlier or more complex health events - Retirement timelines and income needs are becoming less predictable For advisors, this means one thing: planning assumptions are no longer static. ### **The Pressure on Traditional Life Insurance Planning** These longevity shifts are directly impacting how life insurance fits into a client’s portfolio. Policies that were originally purchased for income protection or estate planning may no longer align with a client’s current situation. Common scenarios advisors are seeing: - Premiums becoming burdensome in retirement - Policies no longer needed for their original purpose - Clients needing liquidity for healthcare, long-term care, or income Historically, the options were limited: lapse the policy or accept the surrender value. Today, there is a third, and often more valuable, option. ### **Life Settlements as a Planning Tool** Life settlements allow clients to sell an existing life insurance policy for a market-driven value, often significantly higher than the surrender value. For advisors, this creates a powerful, and still underutilized, planning lever. **1. Unlocking Value from Existing Policies** Many clients are unaware that their policy is a financial asset with a secondary market. A life settlement can: - Generate immediate liquidity - Improve overall portfolio efficiency - Turn an unused or underperforming policy into actionable capital **2. Addressing Longevity Risk** As clients live longer, the risk of outliving assets becomes more pronounced. Life settlements can help: - Fund retirement income gaps - Cover rising healthcare costs - Support long-term care planning **3. Enhancing Client Conversations** Incorporating life settlements into reviews allows advisors to deliver more comprehensive guidance. It shifts the conversation from: - “Do you still need this policy?” to - “How can this asset best serve your current financial goals?” That distinction matters, especially in today’s environment. ### **Why This Matters Now** Longevity is no longer just a demographic trend; it’s a financial planning disruptor. As client lifespans, health outcomes, and financial needs become more individualized, advisors who embrace flexibility will be better positioned to deliver value. Life settlements fit squarely into that shift: - They introduce optionality - They improve outcomes for clients - They differentiate advisors in a competitive market ### **Final Thought** For insurance professionals, the key takeaway is simple: Life insurance should not be viewed as a static product, but as a dynamic asset. In a world defined by evolving longevity, life settlements provide a way to help clients adapt, optimize, and make more informed financial decisions. At Abacus Life, we partner with advisors to help uncover these opportunities, providing the expertise and market access needed to evaluate life settlement options and deliver better outcomes for clients. If you’re reviewing in-force policies, **[try our free policy valuation calculator](https://abacuslifesettlements.com/calculate/)** to quickly determine if your client may qualify and uncover potential value that might otherwise go unrealized. **Categories:** Life Settlement Blog --- ### [A Stress-Free Approach to the Holidays for Seniors](https://abacuslifesettlements.com/a-stress-free-approach-to-the-holidays-for-seniors/) **Published:** December 5, 2025 **Author:** Admin **Content:** The holiday season brings joy, family, tradition, and laughter. For some seniors, the idea of traveling, preparing meals, or decorating their homes for the holiday can feel overwhelming. Follow this guide to make the most of the season while keeping things simple and joyful. **Don’t Be Afraid to Ask for Help** The holidays are about togetherness, kindness, and giving. Encourage loved ones to bring dishes for gatherings, ask neighbors or friends to help put up decorations, or request a ride to celebrations if traveling is difficult. Your loved ones and there to help and want to see you happy. **Explore Local Community and Senior Centers** **I**f you don’t have family nearby it can feel isolating, but you are not alone. Local senior centers, parks and recreation departments, faith-based organizations, and community groups often host festive activities, potlucks, and workshops throughout November and December. These events are a great way to stay social, meet new friends, and enjoy the season without added pressure. **Cherish the Moments That Matter** Remember to take a step back and remember the holiday season is to bring cheer and not stress. Call your loved ones, share warm meals with friends, sing holiday carols, and do the things that bring you joy. **Financial Peace of Mind** For many, holidays also bring an added layer of financial stress. That’s where [**Abacus Life**](https://abacuslifesettlements.com/ "Abacus Life") can make a meaningful difference. Abacus Life, a leading buyer of life insurance policies and a vertically integrated alternative asset manager specializing in specialty insurance products, believes in making the often-overlooked life settlement an accessible and transparent option for seniors. If you or a loved one is exploring financial options this holiday season, Abacus Life can provide clarity and support. Complete our free **[life settlement calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/)** or call [**(800) 561-4148**](tel:8005614148 "(800) 561-4148") today. **Categories:** Life Settlement Blog --- ### [Unlock the Value of Your Life Insurance Policy with Abacus Life](https://abacuslifesettlements.com/how-much-could-you-get/) **Published:** October 28, 2025 **Author:** Admin **Content:** Are you considering selling your life insurance policy? At [**Abacus Life**](https://abacuslifesettlements.com/), we specialize in helping individuals turn their policies into cash, providing financial relief when it’s needed most. As the **only publicly traded life settlements company**, Abacus Life has set industry standards—paying over **$1.2 billion to policyholders** since 2017 and consistently outperforming the market for five consecutive years in consumer payouts. ### **How Much Could You Receive for Your Policy?** Many clients ask, ***“How much is my policy worth?”*** The answer depends on several key factors: - **Health and Age of the Insured:** Older individuals or those with health concerns typically receive higher offers. Our underwriters carefully review your medical history, current health, and lifestyle, which directly impacts your policy’s value. - **Policy Costs:** The cost to maintain your policy—your premium payments—plays a major role in determining your offer. If premiums are high, the upfront payout may be lower. - **Policy Details:** The type of insurance, the size of your policy, and how long you’ve owned it all influence its value. Generally, larger policies and those held for longer periods qualify for higher offers. Eligibility and timing can also vary based on state regulations. ### **Get an Instant Estimate** Curious about your policy’s value? Use our [**Life Settlement Calculator**](https://abacuslifesettlements.com/qualify-a-life-settlement/) for a quick quote or start a conversation with one of our experienced team members. We’re committed to making the life settlement process transparent and straightforward, ensuring you feel confident every step of the way. There are **no costs or obligations** to learn more. You are in complete control. If you or someone you know could benefit from a life settlement, contact our team at [**800-561-4148**](tel:8005614148). We’re here to help you explore your options and make informed decisions about your financial future. **Categories:** Life Settlement Blog --- ### [What is Your Most Valuable Asset?](https://abacuslifesettlements.com/what-is-your-most-valuable-asset/) **Published:** September 30, 2025 **Author:** Admin **Content:** By definition, an **[*asset* ](https://www.investopedia.com/terms/a/asset.asp#:~:text=An%20asset%20is%20something%20that,a%20car%20are%20all%20assets.)**is considered something that provides a current, future, or potential economic benefit for an individual or other entity. Many individuals tend to associate the concept of an “asset” with their house or car, overlooking one *major* asset that is typically one’s most valuable, their [**life insurance policy**](https://abacuslifesettlements.com/life-insurance-options/). Financial assets are designed to appreciate and gain value as time passes. Because a life insurance policy can build cash value or be**[ *converted into cash*](https://abacuslifesettlements.com/your-life-insurance-policy-could-fund/)**, it is also considered a financial asset when calculating one’s net worth. **With this being said, when utilized wisely, a life insurance policy is an extremely valuable, and often overlooked, financial asset.** **Now raises the question, *how do I best utilize this asset*?** Depending on your current situation, you may be eligible to liquidate this asset to provide you and your family with immediate cash that can be utilized in whatever fashion best suits your needs. Many individuals assume that they need to wait, or have their family wait, to capitalize on their policy, even though the reality is that they can benefit from it *during* the life of the insured. If you are age 70 or older, own a policy with a death benefit of $100,000 or greater, or have a recent decline in health, you could **[qualify for a *life settlement*](https://abacuslifesettlements.com/learn-how-life-settlements-work/)**. These are considered *general guidelines*, so it is always recommended to reach out to an Abacus Life representative to discuss your qualification and input your information into our Life Settlement Calculator **[here](https://abacuslifesettlements.com/qualify-a-life-settlement/)**. At Abacus Life, all we need in order to best secure a market value range/preliminary offer is an in-force illustration, the insured’s medical history, and any type of medical record, if available. According to the industry publication, ***[The Deal](https://www.thedeal.com/),* which produces an annual Life Settlement Report compiled from state DOI statistics, **Abacus Life pays the most** **— ranking #1 in provider payouts for 2024.** In fact, since 2017, we’ve paid **$1.2 billion to policyholders**, helping clients unlock meaningful value from policies they may have otherwise surrendered or lapsed. Abacus works to ensure that you receive the perfect settlement option that best suits your situation and financial future: - A **[traditional](https://abacuslifesettlements.com/traditional/)** option allows you to sell your entire life insurance policy for a cash amount above the policy’s surrender value. You have no further obligations or claims to the policy, with all future premiums paid by the buyer. - The **[retained benefit](https://abacuslifesettlements.com/retained-death-benefit-rdb/)** option means you would no longer pay any premiums and retain a portion of your benefit. When the policy ends, beneficiaries will receive a guaranteed percentage, but you have no further obligations or payments to make. - The **[hybrid](https://abacuslifesettlements.com/hybrid/)** option is a combination of two, where you would sell a portion of your life insurance policy. With this option, you receive a cash payment now, your beneficiary gets a guaranteed percentage of the benefit when the policy ends, and you have no further obligation to pay future premiums. Finding ways to best utilize your assets can open up doors to financial freedom. Understanding the current worth of your life insurance policy can help you better plan for the future or allow you to live more comfortably in the present. **[Reach out](https://abacuslifesettlements.com/contact/)** to a member of our team here at Abacus, and we would be happy to help you see the **[current worth](https://abacuslifesettlements.com/calculate/)** of your most valuable asset. **Categories:** Life Settlement Blog --- ### [Why Financial Advisors Should Recommend Life Settlements](https://abacuslifesettlements.com/why-financial-advisors-should-recommend-life-settlements/) **Published:** September 25, 2025 **Author:** Hannah Crosby **Content:** ### A Smarter Strategy for Managing Client Assets As a financial advisor, your role is all about helping clients get the most out of what they already have and develop personalized financial strategies based on the client’s goals. That doesn’t just mean the obvious assets, it also includes things that are often overlooked, like life insurance policies. Life settlements give your clients the chance to turn an unwanted or unaffordable policy into immediate cash. Better yet, that cash can be reinvested to grow their portfolio and increase your assets under management (AUM) in the process. ### The Opportunity **Discover Untapped Value** Instead of letting a client surrender a policy for a minimal amount, you can guide them toward a life settlement. Many clients are surprised to learn they could receive up to eight times more this way. **Put Proceeds Back to Work** The money from a settlement doesn’t have to sit idle. It can be directed into investment accounts, trusts, annuities, or other products—keeping those assets working under your management. **Strengthen Client Relationships** Recommending a life settlement shows clients that you’re thinking creatively about their financial well-being. Even when a policy no longer serves them, you’re still offering a strategy that puts their interests first. ### Advisor Benefits **Boost Your AUM** Life settlements create a lump sum that can be reinvested—directly increasing the assets you manage. **Open New Revenue Streams** - *Settlement Commissions*: Earn up to 30% of the gross offer (capped at 6% of the face value). - *Conversion Commissions*: Assist with converting term policies to permanent coverage for additional revenue. - *Flexible Options*: Choose compensation from the settlement, the conversion, or both. ### Which Clients Are a Good Fit? Life settlements aren’t for everyone, but they’re often the right choice for: - Clients age 70+ - Policies that are unneeded, unwanted, or too expensive to maintain - Individuals with health changes that may affect life expectancy - Clients looking for liquidity or added retirement income ### How Clients Use Settlement Funds Once a policy is sold, clients can: - Fill income gaps in retirement - Cover long-term care or medical expenses - Pay down debt - Reinvest into accounts or annuities - Support legacy or gifting goals At the end of the day, recommending a life settlement isn’t just about liquidating an underused asset, it’s about helping your clients make smarter financial choices. At **[Abacus Life](https://abacuslifesettlements.com/)**, we partner with financial advisors like you to provide clarity, confidence, and competitive value every step of the way. Whether you’re evaluating a specific case or simply exploring options, you can call us at **[(800) 561-4148](tel:8005614148)** to speak with an expert or use our **[Life Settlement Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/)** to estimate how much value your client’s policy could be worth. **Categories:** Life Settlement Blog --- ### [Senior Loneliness in America](https://abacuslifesettlements.com/senior-loneliness-in-america/) **Published:** September 25, 2025 **Author:** Admin **Content:** As people age, they tend to lose some of the connections they once had. Many friendships were tied to the workplace, and, after retirement, it can be hard to keep those relationships alive. Seniors often imagine retirement as a time of freedom, but when the day finally comes, some are surprised to find themselves feeling bored. Without a place to go, they can become shut-in and inadvertently distanced from friends and family. Throughout America, loneliness has become somewhat of an epidemic. According to the World Health Organization (WHO), around **[11.8%](https://www.who.int/activities/reducing-social-isolation-and-loneliness-among-older-people)** of older people experience loneliness. Human beings are inherently social creatures, and interaction is a fundamental need. Prolonged isolation can actually increase the risk of premature mortality. A total of [**148 studies**](https://www.bing.com/search?pglt=43&q=A+total+of+148+studies%2C+involving+approximately+30%2C000+participants%2C+were+conducted+and+found+that+continued+friendship+and+community+involvement+reduced+the+risk+of+death+by+around+50+percent.&cvid=e76c287c09ff444592156635571a8bc1&gs_lcrp=EgRlZGdlKgYIABBFGDkyBggAEEUYOTIGCAEQRRhAMgYIAhBFGEAyCAgDEOkHGPxV0gEHMjA1ajBqMagCALACAA&FORM=ANNAB1&PC=U531), involving approximately 30,000 participants, were conducted and found that continued friendship and community involvement reduced the risk of death by around 50 percent. This evidence shows that we cannot let ourselves become disconnected from the people around us, but this can be hard. Retirement can leave you not knowing what to do with yourself. With so much newly found free time, the question becomes: How do we remain engaged with others in our Golden Years? Finding something you’re interested in is a great place to start. Whether it’s a hobby or a grandchild who lives nearby, being invested in something that gets you out of the house is the key to remaining healthy. Here are some examples of possible endeavors. ### Get Active. [**Remaining active**](https://abacuslifesettlements.com/senior-exercise/) is a great way to combat loneliness. Joining a local gym or participating in a gentle yoga class can help seniors break out of their shell and open up the possibility of meeting new people. Or, if that’s too far out of your comfort zone, simply try going for one or two walks a day. Just getting out of the confines of your home can present opportunities for community involvement. ### Pursue a Part-Time Job. If you just loved the hustle-and-bustle of a workplace atmosphere, there is no reason you must give that up simply because you’ve grown older. Look into some part-time job openings, maybe in a field you’ve worked in previously or one you feel you may enjoy. ### Give Back. Many seniors have found fulfillment through volunteering. Reach out to a charity, church, or organization that you find interesting or have previously been a part of and find out what you can do for them. An involvement opportunity like this can be a great way to make friends and could end up being something you’re passionate about. ### Learn Something New. Sign up for a class at the community center, craft store, or even a local community college, or **[build a garden.](https://abacuslifesettlements.com/the-positive-effects-of-gardening-for-seniors/)** Begin a brand-new undertaking and really break out of your comfort zone. This will allow you to open your mind and expand your social circle. Picking up a new hobby or skill will give you something to practice on your own as well. ### Reconnect with Friends. Perhaps there’s an old neighbor, co-worker, or classmate with whom you have lost touch. It’s never too late to reach out. Try inviting them out for coffee or lunch, or just striking up a phone conversation. They will probably be touched that you’re inquiring about their well-being. [**Abacus Life** ](https://abacuslifesettlements.com/)functions as a leader in the secondary market for life insurance. Our primary mission: work to help you understand your financial options. If you decide that selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer, we will provide you with a lump sum amount and then take on all future obligations for the policy, including premium payments. **Categories:** Life Settlement Blog --- ### [3 Ways to Retire On Your Own Terms](https://abacuslifesettlements.com/3-ways-to-retire-on-your-own-terms/) **Published:** September 2, 2025 **Author:** Admin **Content:** Seniors tend to agree with the statement that “the days are long, but the years are short” when they were nearing retirement. You spend your entire lives dedicated to working, caring for your family, and building a name for yourself. When you finally reach that point when you have the option to take a step back and slow down a bit, it can affect people in various ways. Some people love the new, well-deserved slow pace that they worked so hard for their whole lives. Others miss the hustle and bustle of their everyday working lives, so they channel this energy into new projects or caring for their grandchildren. Either way, these folks have the opportunity to choose how they want to spend their retirement. We have compiled a few concepts of how one could live retirement on their own terms: ## **Sell your insurance policy to get cash now** Retirement is a time in your life where you should be able to do what you want to do. You finally have the time to go on that cruise with your spouse that you’ve been putting off for years, or to go see the Eiffel Tower so you can mark it off your “bucket list.” You deserve to enjoy this time in your life the way that you had always dreamed of, and by doing so, you’ll likely need some extra money. **[Selling your life insurance policy](https://abacuslifesettlements.com/learn-how-life-settlements-work/)** can get you a **[lump-sum of cash](https://abacuslifesettlements.com/qualify-a-life-settlement/)** that you can spend any way you want. Want to send your grandchildren to college? Are you finally ready to splurge on that beach vacation home? A life settlement can provide you the money you need to be able to live out your dream retirement. ## **Commit your retirement plan to writing** Any successful plan requires a well-thought-out drafting process. Putting your thoughts and plans into writing will help you stick to them. A major undertaking like retirement planning is no exception. Sorting out both your financial and non-financial goals will help you map out your years and give yourself goals to achieve over time. Defining and executing short-term and long-term goals will also help give you a sense of accomplishment that you might miss from your working days. Planning out on paper how you want to allocate your money will help with budgeting, so there is more room for splurging on your friends and family. ## **Work with a team of experienced professionals** Retirement planning isn’t a task you can do by yourself overnight. It is a series of moving parts that can be complicated with a lot of components involved. One mistake can be extremely costly, so avoiding these accidental mishaps by using a professional can not only save your wallet but save you from the stress that comes along with it. Working directly with CPAs, investment advisers, **[l](https://abacuslifesettlements.com/about-us/)[ife settlement account executives](https://abacuslifesettlements.com/about-us/)**, and estate attorneys will save you many headaches over the course of your retirement. It is better to know that your money is in good hands and is best being utilized, than living with constant anxiety or confusion. Working with a team of professionals will enhance accountability and the likelihood of retiring on your terms. Retiring on your own terms is a lifelong endeavor of working up towards your “golden years.” Enjoy them how ***you*** want to. Use our list and retire on ***your*** own terms. **[Abacus Life](https://abacuslifesettlements.com/about-us/)** has helped seniors for over two decades get the largest possible cash payout, so they can spend it at their discretion. **[Contact Abacus today](tel:800-561-4148)** and try our **[Policy Value Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/)**, so we can help you make your retirement dreams a reality. **Categories:** Life Settlement Blog --- ### [Q3 Financial & Life Settlement Market Update With CNBC’s Steve Grasso](https://abacuslifesettlements.com/q3-financial-life-settlement-market-update-with-cnbcs-steve-grasso/) **Published:** August 21, 2025 **Author:** Admin **Content:** Listen in for our Q3 Financial and Life Settlement Market Update with Steve Grasso from CNBC’s *Fast Money*.  Life Insurance Agents & Brokers in this session can expect: - A comprehensive market update with a focus on the impacts from the recently-passed *One Big Beautiful Bill Act.* - Q3 trends and pricing across the life settlement industry. - Q&A with our expert panelists. **Categories:** Webinar **Tags:** Webinar --- ### [Financing Your Retirement Without Savings](https://abacuslifesettlements.com/financing-your-retirement-without-savings/) **Published:** August 20, 2025 **Author:** Admin **Content:** # What’s in Your Retirement Account? *The likely answer is “not enough”* Retiring is a major goal for most Americans. As the retirement age now edges toward 66 and older, seniors are searching for new ways to reach their financial goals. For Baby Boomers hoping to retire in the next few years, it’s worth taking a careful look at the funds set aside for the future. ## Are We Really Facing a Retirement Crisis? The *Wall Street Journal* recently published an opinion piece suggesting that Americans are not facing a retirement emergency. Reactions were mixed, but many experts disagreed. Diane Oakley, executive director of the **[National Institute on Retirement Security](https://www.nirsonline.org/)**, has cited data showing that the median retirement account balance for American households a decade ago was effectively zero, with fewer than half of families holding retirement accounts.¹ Circumstances have improved slightly, but the gap remains significant. In 2024, [**Vanguard**](https://corporate.vanguard.com/content/dam/corp/research/pdf/how_america_saves_report_2024.pdf) reported that while the average retirement account balance reached roughly $148,000, the median was just over $38,000—revealing how a small share of high savers skews the averages upward.² Nationally, the median household retirement savings is closer to $195,000, but one in three households still has no savings at all.³ Among 401(k) accounts in 2025, the average balance sits at about $110,000, while the median is only $35,000, a figure too low to provide long-term stability.⁴ ## Is It Normal to Not Have Retirement Savings? Unfortunately, yes. A significant share of Americans have little to nothing put aside, and the gap widens across generations. The median retirement savings for Baby Boomers is about $270,000, while Generation X trails at $107,000, Millennials average $65,000, and Gen Z is just beginning with a median of $31,000.⁵ Even among those in their 50s and 60s—closest to retirement—the divide is stark. Empower data from 2025 shows the average nest egg approaching $1 million, but the median ranges between $440,000 and $540,000. Rising health care costs, housing expenses and longer lifespans quickly erode those amounts.⁶ ## Can Social Security Fill the Gap? Social Security provides some relief, but not nearly enough. The average benefit in 2025 is around $1,900 per month, or about $23,000 annually.⁷ That figure is insufficient to support a comfortable retirement. At the same time, the Social Security trust fund is projected to face a shortfall within the next decade.⁸ It’s no surprise that more Americans over 65 remain in the workforce. More than 11 million older adults are still employed, often out of necessity rather than choice.⁹ ## What’s Really Driving the Retirement Gap? It’s not fair to place the burden entirely on Baby Boomers or their spending choices. Between 1990 and 2010, discretionary spending on restaurants, home goods and clothing actually declined among older adults.¹⁰ The real challenge is structural. The shift from guaranteed pensions to individual 401(k) plans has placed far more responsibility on workers, many of whom lacked the income to build significant balances. Layer in rising medical costs, inflation and uncertainty around Social Security, and it becomes clear why so many Americans are struggling to make savings last.¹¹ ## The Life Settlement Option One potential but often overlooked solution is the life settlement option. A life settlement is the sale of an existing life insurance policy for more than its cash surrender value but less than its death benefit. Once sold, ownership transfers to a licensed third party, such as Abacus Life, which assumes responsibility for future premiums and collects the death benefit when the policy matures. For the policyholder, it’s a one-time transaction that provides an immediate lump sum of cash, with no repayment obligation. This can help seniors supplement inadequate retirement accounts, cover medical expenses or increase financial flexibility.¹² ## Retirement Doesn’t Have to Be Out of Reach Retirement does not have to feel impossible, even with limited savings. [**Abacus Life**](https://abacuslifesettlements.com/) helps individuals understand their financial options and unlock the hidden value in life insurance policies. If selling all or part of a policy makes sense, [**Abacus**](https://abacuslifesettlements.com/about-us/ "Abacus") provides a fair market offer and explains how the value is determined. Once a policyholder moves forward, they receive a cash payment that belongs entirely to them, while Abacus assumes all obligations tied to the policy.¹³ ## Taking the Next Step If your retirement savings aren’t where you hoped, a **[life settlement ](https://abacuslifesettlements.com/qualify-a-life-settlement/ "life settlement ")**could help close the gap. For more information, visit Abacus Life’s [**Learning Center**](https://abacuslifesettlements.com/learning-center/ "Learning Center") or contact a professional to walk through your options. With the right planning and resources, retirement dreams can still become reality. 1. National Institute on Retirement Security, 2013. 2. Vanguard, “How America Saves 2024,” 2024. 3. Federal Reserve, “Survey of Consumer Finances,” 2024. 4. Fidelity Investments, “Q1 2025 Retirement Analysis,” 2025. 5. Transamerica Institute, “Retirement Survey,” 2025. 6. Empower, “Retirement Preparedness Report,” 2025. 7. Social Security Administration, “Monthly Statistical Snapshot,” 2025. 8. Congressional Budget Office, “The Outlook for Social Security,” 2024. 9. Bureau of Labor Statistics, “Employment Situation of Older Workers,” 2025. 10. Bureau of Economic Analysis, “Consumer Spending Patterns by Age,” 2011. 11. National Institute on Retirement Security, “Retirement in America: Crisis or Opportunity,” 2023. 12. Abacus Life, “Life Settlement Industry Overview,” 2025. 13. Abacus Life, “Policyholder Resources,” 2025. **Categories:** Life Settlement Blog **Tags:** baby boomers, finances, retirement, retiring --- ### [Abacus Global Management Reports Second Quarter 2025 Results](https://abacuslifesettlements.com/abacus-global-management-reports-second-quarter-2025-results/) **Published:** August 13, 2025 **Author:** Admin **Content:** ORLANDO, Fla., Aug. 07, 2025 (GLOBE NEWSWIRE) — Abacus Global Management, Inc. (“Abacus” or the “Company”) (NASDAQ: ABL), a leader in the alternative asset management space, today reported results for the second quarter ended June 30, 2025. Strong demand for policyholder liquidity and accelerating momentum in asset management fueled record results for Abacus Global Management in the second quarter of 2025. The company nearly doubled its total revenue year-over-year, achieved significant earnings growth, and announced an updated full-year outlook reflecting continued confidence in its business strategy. ### Key Q2 2025 Results - Total Revenue Nearly Doubles Year-over-Year to $56.2 Million - Longevity Funds Attract $123.1 Million in Capital Inflows - GAAP Net Income of $17.6 Million - Adjusted Net Income Grows 87% to $21.9 Million - Adjusted EBITDA Grows 89% to $31.5 Million - Raises Full-Year 2025 Outlook ### Words from Our CEO “We delivered another excellent quarter of record profitable growth in the second quarter of 2025, nearly doubling total revenue and adjusted earnings year-over-year, enabling us to raise our full-year outlook for adjusted earnings,” said Jay Jackson, Chief Executive Officer of Abacus. “Our strong performance was driven by robust demand for policyholder liquidity, as well as increased inflows for our new asset management offerings. Our differentiated origination-focused business model, serving both liquidity-seeking consumers and yield-seeking investors, enables us to capture true market value in any macro environment. With our greater scale and capabilities, our ability to consistently execute on our strategic growth initiatives and our expanding brand recognition, we remain steadfast in our mission to establish Abacus as the leading alternative asset and wealth management company.” ### **Operational Highlights** - Origination capital deployment: $121.8 million in Q2 2025 - Policies held: 600 at quarter-end, up from 458 in Q2 2024 - Supplemental KPIs introduced: - Annualized turnover ratio: 2.3x - Average realized gain: 26.3% - Shareholder initiatives: $20 million share repurchase program approved in June ### **Outlook** Based on strong second-quarter performance, Abacus raised its full-year 2025 adjusted net income guidance to $74 million–$80 million, representing 59–72% growth over 2024 adjusted net income. Read the full Q2 2025 results press release [**here**](https://ir.abacusgm.com/news-releases/news-release-details/abacus-global-management-reports-second-quarter-2025-results "here"). **Categories:** Life Settlement Blog --- ### [Abacus CEO Jay Jackson Discusses the Future of Financial Security with Finseca CEO Marc Cadin](https://abacuslifesettlements.com/marc-cadin-ceo-message-abacus-lifes-jay-jackson-on-ai-lifespan-data-and-the-future-of-financial-security/) **Published:** August 10, 2025 **Author:** Admin **Content:** Finseca CEO, Marc Cadin, sat down with Abacus CEO Jay Jackson to explore how AI, data, and innovation are redefining financial security. In this interview, Jackson explains how Abacus is using mortality verification and lifespan data to design personalized retirement solutions, moving past traditional life insurance and annuities toward products tailored to each individual’s health, longevity, and financial goals. Jackson points to a major shift underway in the financial services industry. Instead of relying solely on Social Security or standard annuities, the future will center on customized tools that address the unique realities of each client’s life expectancy. This, he says, is made possible by combining health and mortality data with advanced analytics, allowing advisors to create smarter, more adaptable retirement strategies. Artificial intelligence plays a key role in this evolution, enabling financial professionals to work more efficiently, enhance top performers’ effectiveness, and deliver better tools and resources to clients. Abacus aggregates mortality-driven data, repackages it, and sells it to pension funds and government entities to help them understand long-term outcomes, and now the same approach is being applied directly to individual retirement planning. With more products like these set to roll out in the coming years, Jackson sees a future where retirement plans are no longer one-size-fits-all, but deeply personal, built to match each client’s unique journey. **Watch the full conversation in the video below. To learn more, visit [AbacusGM.com. ](http://www.abacusgm.com/ "http://www.abacusgm.com/")** **Categories:** Life Settlement Blog --- ### [Is Selling a Life Insurance Policy a Good Idea?](https://abacuslifesettlements.com/is-selling-a-life-insurance-policy-a-good-idea/) **Published:** August 7, 2025 **Author:** Admin **Content:** Depending on your financial situation,**[ selling your life insurance policy](https://abacuslifesettlements.com/learn-how-life-settlements-work/)** could benefit your overall financial standing and open up doors to new endeavors. Many individuals are unaware that they are able to **[sell their life insurance](https://abacuslifesettlements.com/qualify-a-life-settlement/)** just like any other asset, as it is often an overlooked option due to its lack of public awareness. A recent study showed that 90% of seniors would have chosen to sell their life insurance policy *had they known the option even existed*. The process of selling your life insurance is referred to as a life settlement transaction. By definition, a life settlement is the financial transaction of an existing life insurance policy to a licensed life settlements buyer, like Abacus Life Settlements, for more than its cash surrender value, but less than its death benefit. The policy owner transfers their ownership and beneficiary rights to the institutional investment fund and receives a lump-sum cash payment that can often be *6 times greater* than the **[cash surrender value](https://www.investopedia.com/terms/c/cashsurrendervalue.asp)**. It is important to note that the money obtained from the settlement that goes into the pockets of the policy seller can be *spent entirely at their discretion*, meaning there are *never any strings attached*. One may decide that selling their life insurance policy is a good idea for them if they fall into one or more of the following scenarios, just to name a few: - They can no longer afford premium payments - Funds are needed to pay for medical or long-term care - They want to reinvest the equity built to take advantage of a better opportunity - Their overall life circumstances have changed (i.e., divorce, retirement, beneficiaries no longer require the policy benefits, absence of an estate tax burden, etc.) Abacus Life has simplified the**[ life settlement qualification process](https://abacuslifesettlements.com/calculate/)** to ensure that it is transparent and straightforward; one must meet a few minimum qualification factors that are simply used as *general guidelines*. Each case is distinctive, so it is always best to reach out to an Abacus representative to see if your specific case qualifies for a life settlement. These factors are: - Insured must own a policy of $100,000 or more in death benefit—usually, anything less does not qualify unless there are considerable health impairments - Insured is over age 70 - Insured has experienced a decline in health from the policy’s first issuance At the end of the day, selling your life insurance policy is ***your*** personal financial decision. At **[Abacus Life Settlements](https://abacuslifesettlements.com/about-us/)**, we take the extra time to make sure that all of our clients are confident in their decision to obtain a life settlement. We want to ensure all questions are answered every step of the way and remain honest and transparent throughout the entire process. Abacus Life is committed to securing the most competitive life settlement offers available for our clients. With over 19+ years of experience in the life settlement industry, Abacus Life would love to help you **[get started](https://abacuslifesettlements.com/calculate/)** on a life settlement of your own. **Categories:** Life Settlement Blog --- ### [Immunization Month: What Adults and Seniors Need to Know About Staying Protected](https://abacuslifesettlements.com/august-is-immunization-awareness-month/) **Published:** August 5, 2025 **Author:** Admin **Content:** Few things play a larger role in maintaining senior health than vaccinations; yet, many seniors still go without important immunizations every year. Influenza, or the flu, alone is responsible for over 30,000 mortality events and hundreds of thousands of senior hospitalizations annually. Pneumonia causes between 350,000 and 620,000 hospitalizations in the 65+ age bracket every single year, with most cases occurring in fall and winter. Alarmingly, the vast majority of flu and pneumonia-related complications affect those over age 65. Whether you are at an assisted living facility in Seattle, living on your own in San Francisco, or doing live-in care in Orlando, fall weather brings fall stuffy noses, colds, and fevers every year without fail. Between September and February, seniors are far more likely to contract everything from the flu, to COVID-19 to shingles, RSV, meningitis, and pneumonia. That’s why Immunization Awareness Month was created, and August was chosen as the annual reminder date. Seniors typically account for the lion’s share of contracted preventable diseases, primarily because they are the most at-risk population for illnesses that target weakened immune systems. Yet, [CDC](https://www.cdc.gov/flu/highrisk/65over.htm) data from 2024 still shows only about 66.7% — or two-thirds — of seniors are immunized against the flu, and only around 60.6% are vaccinated against pneumonia. The importance of preventative medicine can’t be stressed enough, especially when it comes to common, high-risk illnesses that affect seniors. Avoiding entirely preventable illnesses can extend seniors’ longevity well into their golden years, with their health intact. Your doctor can help you decide which vaccines are right for your unique health needs and conditions. The CDC has released an easy-to-read vaccine schedule, organized by age group and risk category, to help seniors and caregivers figure out exactly what’s needed this year. **Important Vaccines for Seniors** | Influenza | You should get the flu vaccine every year. | |---|---| | Tdap | You should get the Tdap vaccine renewed every 10 years, starting immediately. | | Shingles RSV | You should get this initial shingles vaccine at age 50. | | Shingles ZVL | This shingles vaccine should follow up your initial vaccine at age 60. | | Pneumonia | It is incredibly important to receive both pneumonia vaccines once you are age 65+. | | Meningitis | Meningitis vaccines are primarily based on your overall health, doctor consultation is needed. | | Chickenpox | You should get this vaccine if you didn’t receive it as a child. If you were immunized as a child you can safely disregard it. | | Hepatitis A | Hepatitis A and B vaccines are only required under specific health circumstances, your doctor will let you know if | | Hepatitis B | See Hepatitis A. | | HPV | You should get the HPV vaccine if you suffer from heart, lung, liver, spleen, or kidney issues. | | Measles | The MMR vaccination is important if you suffer from heart, spleen, or kidney issues. | At Abacus Life, we’re not just focused on physical wellness—we want you to have the tools you need for financial wellness too. If you have a life insurance policy you no longer need—or can no longer afford—you may be able to sell it for a lump sum of cash through a life settlement. Learn the value of your life policy through our [policy value calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/). [Abacus Life Settlements](https://abacuslifesettlements.com/) is a leader in the secondary market for life insurance, and our primary mission is to help you clearly understand your financial options. If you decide that selling all or a portion of your life insurance policy is the right move, we can make a fair market value offer to purchase it. We’ll walk you through exactly how we determine the value of your policy and the details of our offer. If you choose to move forward, you’ll receive a lump sum payment—and we’ll take on all future obligations of the policy, including premium payments. In addition to our industry-leading Term Rescue and Premium Finance Rescue programs, we also offer a Simplified Intake Process, which means less paperwork and fewer signatures than you’ll typically find with other life settlement companies—making the process quicker and easier for you. Call [(800) 561-4148](tel:8005614148) today. **Categories:** Life Settlement Blog **Tags:** immunization, senior health, shots --- ### [When Should I Switch to In-Home Care?](https://abacuslifesettlements.com/blog-in-home-care/) **Published:** July 31, 2025 **Author:** Admin **Content:** “What is in-home care?” and “How do I know it’s time to transition to assisted living?” are questions that many children, grandchildren, and other loved ones must face for their aging family members. It can be challenging to conceptualize allowing someone to enter your home or a family member’s home.  How do you help someone maintain their independence while ensuring they remain safe and comfortable? How do you care for someone for the bulk of the day while still providing personal space, privacy, and downtime?  What if the personalities of the client and provider aren’t compatible? These are all valid concerns and are important to consider before proceeding. ## How to Know When It’s Time Most home care requests are planned, and families typically take the time to research and evaluate many options. However, it isn’t uncommon for families and clients to need a faster response in situations as a result of an emergency.  Home care was created to assist a wide range of seniors and their families. People frequently choose home care when they’re ill, need assistance with daily activities as a result of the aging process or are recovering from surgery. - Some seniors need homemaking assistance with tasks like cleaning and cooking - Other seniors need medical assistance with post-op care, bathing, and more - Another type of client to receive home care is those affected by memory loss /difficulties, such as Alzheimer’s or dementia.  Memory care typically requires 24-hour assistance to keep the client safe and content. ## Why In-Home Care Instead of Moving to a Facility? Many seniors want to stay in their homes as long as possible, as their home is their safe, familiar space where they feel they have autonomy. Some seniors find that moving to an assisted living community or nursing home means starting over with foreign people, places, and an interrupted schedule. With in-home care, independence is assured and is associated with higher confidence levels and happiness. For example, if you have hip replacement surgery, and you go back home to a physical therapist who helps your recovery, you can sleep in your own bed, eat your own food, and rest well in a familiar place.  Home care workers also offer rest for the person’s spouse or other caregivers. ## Types of In-Home Care Not all in-home care is the same. Some are more intensive than others. ### **Licensed Medical Professional Care** For activities and tasks like paying bills, getting to appointments, and staying on schedule with any deadlines, without the need for any medical care, a licensed medical professional can be helpful. These professionals include physicians, physician’s assistants, nurses, physical and occupational therapists, and home health aides who work alongside physicians. Today’s seniors receive a wide range of support through in-home care, from medical services to daily living assistance. According to recent home healthcare industry data, the most commonly utilized services include visits from home-health nurses, followed closely by physical and occupational therapists for rehabilitation and mobility support. In some cases, seniors also receive visits from physician assistants, nurse practitioners, or even primary care physicians when appropriate. The clinical layer of care is often paired with non-medical services, ensuring seniors receive both health monitoring and help with everyday activities. ### **Non-Medical Paraprofessionals Care** Non-medical paraprofessionals include home health aides, personal care attendants, homemakers, and companions. Home health aides provide hands-on care and assistance with daily living tasks like cooking, shopping, and laundry at home. Homemakers or companions provide services such as housekeeping, transportation, and companionship. This is a common option for clients with Alzheimer’s or Dementia.  **Defining Activities of Daily Living** - Bathing - Dressing - Feeding - Toileting - Grooming - Oral Care - Walking or using a wheelchair **Instrumental Activities of Daily Living** - Housekeeping - Laundry - Change linens - General shopping - Transportation - Meal preparations - Managing money - Medication management ## Financing In-Home Care There are a variety of options for paying for in-home care, including both private and public funds: - Private pay - Paid Family Leave - Grants - Long-term care insurance - Medicare / Medicaid - Veterans Administration **[Abacus Life Settlements](https://abacuslifesettlements.com/about-us/)** functions as a leader in the secondary market for **[life insurance](https://abacuslifesettlements.com/life-insurance-options/)**. Our primary mission: Work to help you understand your financial options. If you decide that selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer, we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. Call **[800-561-4148](tel:8005614148)** and visit our **[Learning Center](https://abacuslifesettlements.com/learning-center/)** to learn more. **Categories:** Life Settlement Blog **Tags:** in-home care, Insurance, Life Settlements, Seniors --- ### [Nonprofit Fundraising Potential of Life Settlements](https://abacuslifesettlements.com/life-settlements-fundraising/) **Published:** July 30, 2025 **Author:** Admin **Content:** ## **Nonprofits Struggle to Boost Coffers While Overlooking the Fundraising Potential of Life Settlements** Nonprofit organizations have faced some of the toughest challenges in recent years, navigating the pandemic, economic volatility, and persistent inflation. Many charities are still working to recover from missed opportunities to invest new donor contributions and rebuild the cash reserves needed to support their operations. The latest *[**State of the Nonprofit Sector**](https://www.forvismazars.us/forsights/2025/02/2025-state-of-the-nonprofit-sector-report)* reports from **Forvis Mazars and the Nonprofit Finance Fund,** the primary challenge facing nonprofit leaders in 2025 remains the difficulty of raising funds. This finding is further underscored by the sector’s second most pressing issue: the growing demand for services as organizations are called upon to address increasingly complex social and community needs. In the ***[Nonprofit Finance Fund’s](https://nff.org/learn/survey)*** 2025 survey, 52% of nonprofits reported having less than three months of operating cash on hand, and 18% had one month or less. Additionally, 36% ended 2024 running an operating deficit, the highest rate recorded in the last ten years. ## **A Powerful Fundraising Tool That’s Still Overlooked** Despite ongoing fundraising challenges and limited operating capital, many charities continue to overlook opportunities to increase revenue by pursuing **[life settlements](https://abacuslifesettlements.com/)** for donated life insurance policies that qualify. The reason? Most nonprofits still lack awareness about this topic. While it is no secret that the secondary market for unwanted life insurance policies has been in existence for more than two decades, awareness about life settlements continues to lag in the nonprofit industry. With 42 of all 50 states now regulating the industry, both consumers and nonprofit organizations are afforded comprehensive protection and oversight. In today’s economic environment, it seems illogical that charities would not evaluate the idea of raising money through life settlements for policies already sitting on their books. ## **Board and Leadership Challenges Compound the Problem** A more recent and relevant study published by the **Urban Institute** in 2025, titled ***[Nonprofit Leaders’ Top Concerns Entering 2025](https://www.urban.org/sites/default/files/2025-04/Nonprofit_Leaders%E2%80%99_Top_Concerns_Entering_2025.pdf)**,* provides important context. In this report, nonprofit executives cited financial stability, fundraising constraints, and staffing shortages as the three most urgent issues facing their organizations. Notably, leaders expressed concern over their ability to engage donors, manage compensation, and maintain board participation in development initiatives. Given these findings, it’s clear that one of the first places nonprofits should focus to strengthen their development strategy is board composition, specifically by including professionals with fundraising, estate planning, and life settlement expertise. ### Donated Policies May Be More Valuable Than You Think As nonprofits begin to 1. Engage professionals who are knowledgeable about life settlements 2. Appoint them to board positions 3. Conduct fundraising campaigns focused on donated life insurance policies, and the next step is to assess the number of existing life insurance policies owned by the charity. There is no doubt that many nonprofits are sitting on large stockpiles of donated life insurance policies without knowing their potential value in the secondary market. For example, a white paper summarizing a 2009 study of nonprofits published by the **[Planned Giving Design Center](https://pgdc2.com/ "Planned Giving Design Center")** found that 56% of the 266 charities responding to the survey stated they owned donated life insurance policies with a combined estimated death benefit of $487 million. Some nonprofits responded that once gifts of life insurance are received, they are immediately surrendered for their cash value. While 74% of the nonprofit respondents stated that they conducted annual policy reviews, others stated they rarely conduct policy reviews, and some even said they conducted policy reviews “when I think about it.” In 2025, this behavior persists. Newer data shows that even as donor-advised funds and estate planning vehicles grow, many nonprofits are still undervaluing or immediately surrendering donated life insurance policies—missing out on potential settlements that could yield significantly greater value than the cash surrender amount. ## Academic Institutions Are Helping Bridge the Knowledge Gap While awareness of life settlements among the nonprofit sector may be lagging, at least one institution of higher education is stepping in to fill that void. **Texas Tech University**, home of the nation’s largest graduate program in personal financial planning, has developed a curriculum for the Graduate Certificate in Charitable Financial Planning that includes a course entitled, **[*Using Life Insurance in Charitable Planning*](https://www.depts.ttu.edu/online/programs/certificates/graduate/charitableFinancialPlanning/)**. This presentation, available on SlideShare.net, contains a section that states: “Because of the ‘life settlement’ market, policies may have value far beyond traditional calculations.” ## Practical Steps Nonprofits Can Take Now Given the opportunities available for nonprofits as it relates to donated life insurance policies, it behooves executive staff and board members to rethink their fundraising strategies. Below are suggested steps for nonprofits that want to incorporate life settlements as a critical component of their fundraising efforts: - Appoint to the board a respected insurance professional knowledgeable about life settlements who can provide strategic and objective expertise and guide the annual review of policies. (It is recommended that this board member not be directly involved in the life settlement transaction due to the appearance of a conflict of interest.) - Conduct an inventory of the number of life insurance policies that have already been donated. - Work with licensed insurance professionals who will agree to volunteer their time to conduct annual reviews and/or facilitate life settlement transactions for any policies that may qualify. - If the charity does not currently accept donated life insurance policies, consider revising the charity’s gift acceptance policy to include the donation of life insurance policies as a major component of the nonprofit’s fundraising efforts. - Develop an FAQ about life settlements to educate prospective donors about the fact that their policy may have cash potential beyond what they may have imagined, and that a life settlement might enable them to witness the effect of their generosity while they are still living. - Institute new procedures wherein newly donated life insurance policies that meet certain criteria are automatically given a preliminary estimate by a life settlement provider regarding the policy’s settlement value in the secondary market. If you have questions about life settlements or about ways that Abacus Life can assist nonprofits in maximizing the potential of donated life insurance policies, contact us at **[(800) 561-4148](tel:+18005614148)**, or visit our **[Learning Center](https://abacuslifesettlements.com/learning-center/)**. **Categories:** Life Settlement Blog --- ### [How Families Are Redesigning Homes for Aging Parents as Multigenerational Living Grows](https://abacuslifesettlements.com/blog-multigenerational-household/) **Published:** July 25, 2025 **Author:** Admin **Content:** In today’s economy, the idea of moving out at 18 and buying a home is less realistic than ever. With U.S. [home prices averaging over $420,000](https://www.businessinsider.com/home-prices-record-high-sales-real-estate-mortgage-rates-nar-2025-7) and monthly rents topping [$2,100](https://www.businessinsider.com/suburbs-renting-home-prices-rising-2025-6), many families are choosing multigenerational living with seniors moving in with adult children, and sometimes vice versa. A Pew Research study reports nearly [20% of Americans now live in multigenerational households](https://www.pewresearch.org/social-trends/2022/03/24/the-demographics-of-multigenerational-households/), a figure that’s steadily rising. The benefits are clear: shared expenses, built-in caregiving, and stronger family bonds. But the transition also brings financial and emotional challenges. ### **Transitioning to Shared Space** Preparing for adult parents and children to live together is a tricky process that can take some time to adjust to. It is important to ensure that the home is practical for elder care with all necessary renovations for wheelchair or walker access to be done before the adult parent’s move in. Privacy and an adequate amount of space are also necessary, and the biggest need in multigenerational living is the need for more space.  On occasion,  kids will have to give up or share a room to accommodate a grandparent. Despite this need, adults and children alike need a separate living space. Additionally, modesty is a key element of dignity for many seniors. For seniors who need help with showering or other personal-care issues, hiring a caregiver can allow them to feel better, as there is a continued separation between the caregiver/child relationship. ### **Adapting the Home** Homebuilders are responding with designs that include in-law suites, dual master bedrooms, and ADUs (accessory dwelling units). Still, most existing homes require modifications for elder care, like ramps, grab bars, or wider doorways, all of which can be expensive. Privacy is also a major concern. Seniors often value independence, and children need space to maintain their routines. In some cases, professional caregivers are brought in to preserve dignity and reduce strain on family members. ### **Family Dynamics and Shifting Roles** When a parent becomes part of their child’s household, family dynamics inevitably shift. Grandparents may need to adjust to no longer being the head of the household. Grandchildren may be living with long-term guests for the first time. Open communication is essential for creating harmony and mutual respect in a newly blended home. ### **Navigating Responsibilities** As parents age, adult children often take on caregiving roles, which can lead to financial stress, especially when only one child hosts the parent. While rotating care may seem fair, frequent moves can disorient seniors. Financial support or shared caregiving duties among siblings can ease the burden. ### **Planning Ahead** As parents age, their needs grow. Some families rotate care responsibilities; others provide financial support if they’re not the primary caregiver. Either way, planning ahead can make a huge difference, especially when it comes to finances. That’s where a [life settlement](https://abacuslifesettlements.com/learn-how-life-settlements-work/) may help. If a loved one has a life insurance policy they no longer need or can’t maintain, it may be possible to turn that policy into a financial resource. These funds can be used for home modifications, caregiving, or simply to relieve household stress. ### **Find Out if a Life Settlement Makes Sense** Use our [Life Settlement Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/) to instantly learn the value of a policy or call our experts at [(800) 564-4148](tel:8005614148 "(800) 564-4148") to see if someone in your household may qualify. A life insurance policy could be the key to making multigenerational living more comfortable and sustainable. **Categories:** Life Settlement Blog **Tags:** aging, housing for seniors, Seniors --- ### [How Much is a Life Settlement Worth?](https://abacuslifesettlements.com/how-much-is-a-life-settlement-worth/) **Published:** July 22, 2025 **Author:** Admin **Content:** ## Discover how much your life insurance policy could be worth through a life settlement—and what factors determine your potential payout. A lucrative option for life insurance, a life settlement can solve many financial issues for seniors. By definition, a **[life settlement](https://www.lisa.org/ "https://www.lisa.org/")** is the financial transaction of an existing life insurance policy to a licensed life settlements buyer for more than its cash surrender value, but less than its death benefit. The policy owner transfers ownership and beneficiary rights to an institutional investment fund, like **[Abacus Life Settlements](https://abacuslifesettlements.com/about-us/ "https://abacuslifesettlements.com/about-us/")**. The insured receives a lump-sum cash payment that can often be *6 times greater* than the cash surrender value, in exchange for transferring ownership. The money belongs to the policy seller and can be spent entirely at their discretion. Life settlements can also be in the form of a paid-up death benefit. Now raises the question – ***[how much is a life settlement worth](https://abacuslifesettlements.com/calculate/ "https://abacuslifesettlements.com/calculate/")****?* Each life settlement case is unique. There is not one unified answer to determine exactly how much each settlement will be; however, there are a few qualifying factors that help best generate each offer. The extent of cash you may be offered for your policy can vary considerably based on the details of your case. These qualifying factors include: **– Life Expectancy**: Life expectancy is the approximate number of years someone can expect to live based on the present age, health conditions, and lifestyle. A professional underwriting team uses the insured’s health information, current age, and other factors to calculate their life expectancy. **– Age of the Insured**: An older insured can expect to receive a **[higher payout](https://abacuslifesettlements.com/learn-how-life-settlements-work/ "https://abacuslifesettlements.com/learn-how-life-settlements-work/")** than a younger individual with similar health, with a similar policy. That is primarily due to estimated future premium debts and life expectancy.  **– Health of the Insured**: The insured’s present health condition is essential for the **[life expectancy calculation](https://abacuslifesettlements.com/calculate/ "https://abacuslifesettlements.com/calculate/")**. The insured’s health at the point in time the policy was issued could have significance within the pricing illustration. For that reason, the insured’s health is an essential factor in determining your policy’s value. **– Premium Schedule**: Your premium schedule was established when you initially acquired the life insurance policy and is part of your contract. It summarizes the premium requirements for the duration of the policy and any rate escalations that will occur throughout the insured’s lifetime. More significant premium expenses reduce the amount the provider can provide to pay for your **[life insurance policy](https://abacuslifesettlements.com/frequently-asked-questions/ "https://abacuslifesettlements.com/frequently-asked-questions/")**. **– Premium Payments**: Utilizing the premium schedule and life expectancy, the provider can establish the approximate overall premium payments required throughout the insured’s life to maintain the **[policy](https://abacuslifesettlements.com/how-much-could-you-get/ "https://abacuslifesettlements.com/how-much-could-you-get/")** in force. The further the provider anticipates paying premiums, the less they can pay upfront. **– Policy Type**: Though nearly any type of life insurance can qualify for a life settlement, the kind of policy can affect not only **[eligibility](https://abacuslifesettlements.com/qualify-a-life-settlement/ "https://abacuslifesettlements.com/qualify-a-life-settlement/")**, but the size of the payout as well. - - ***Selling a*** ***[universal or whole life](https://www.investopedia.com/articles/pf/07/whole_universal.asp "https://www.investopedia.com/articles/pf/07/whole_universal.asp")*** ***insurance policy***: With permanent policies that can create cash value, the volume of the cash reserve can be a deciding factor in whether the policy is eligible, and how much you might get when selling it. - ***Selling a*** ***[term life insurance policy](https://www.investopedia.com/terms/t/termlife.asp "https://www.investopedia.com/terms/t/termlife.asp")***: With selling term life insurance policies, the policy will frequently need to be convertible, except in the case of a **[viatical](https://abacuslifesettlements.com/viatical-settlement/ "https://abacuslifesettlements.com/viatical-settlement/")** settlement. If the insured has a chronic/terminal illness, a non-convertible term policy may qualify. Other policy types, such as keyman or group policies, will require an assessment on a case-by-case basis. **– Length of Ownership**: Depending on the state in which you reside, you may be subject to a waiting period from the date you initially purchased the policy before selling it. This is determined by **[state law](https://abacuslifesettlements.com/licensure/ "https://abacuslifesettlements.com/licensure/")**. **– Policy Size**: As fundamental as it may seem, the greater the policy, the higher the **[payout](https://abacuslifesettlements.com/how-much-could-you-get/ "https://abacuslifesettlements.com/how-much-could-you-get/")**—because the payout can be seen as a percentage of the total face value of the policy. For instance, the payout for a $1,000,000 life insurance policy will be larger than the payout of a $100,000 policy, if all factors are identical and both settlements were estimated at 30% of face value. With this situation, that is the distinction between $300,000 and $30,000. **[Abacus Life Settlements](https://abacuslifesettlements.com/about-us/ "https://abacuslifesettlements.com/about-us/")** treats each life settlement case personally and with the utmost sensitivity and confidentiality. Abacus Life is recognized as a top provider in the life settlement industry, consistently delivering some of the highest average payouts compared to the industry benchmarks. It is always recommended to **[contact](https://abacuslifesettlements.com/contact/ "https://abacuslifesettlements.com/contact/")** an Abacus Life representative to see if your specific case qualifies. **Categories:** Life Settlement Blog --- ### [The Role of Music in Treating Alzheimer's](https://abacuslifesettlements.com/role-music-treating-alzheimers/) **Published:** July 10, 2025 **Author:** Admin **Content:** # “Music is the universal language of mankind.” Henry Wadsworth Longfellow Whether it’s the dulcet and bluesy tones of classic country music, the melodic harmonies of an old-fashioned R&B group, or the energizing instrumental assemblies of a rock n’ roll band. Music creates an indelible impression in a human being’s soul. In an instant, a lifetime of memories can be laid bare and experienced all over again just by pressing play. It goes without saying that the healing power of music isn’t as tangible as physical therapy or a round of medication. That doesn’t mean it should be taken any less seriously, as its potential in treating Alzheimer’s patients’ quality of life is immeasurable. It can be difficult to quantify the medical value of something like happiness, but the first time you see a loved one singing along with a favorite song from their youth, it is immediately clear. Dr. Oliver Sacks from the Alzheimer’s Music Project had this to say about music as a therapy method for Alzheimer’s patients. “When I’ve worked with people with Alzheimer’s and various forms of dementia, some of them are confused, some are agitated, some are lethargic, some have lost language. But all of them, without exception, respond to music.” Some of the major advantages of exposing loved ones with Alzheimer’s to music include A marked improvement in their overall happiness, improved cognition through active brain engagement, completely free therapy, and assistance in creating a sort of anchor for those suffering from Alzheimer’s to hold onto when things get unsteady. ### **Music Makes People Happy** The fact that music makes people happy seems like a no-brainer, but its particular value in Alzheimer’s patients is more pronounced than you may think. The first-time music is introduced as a form of therapy has been consistently described as “night and day”. All of a sudden, a loved one who was bordering on completely non-functioning is smiling, swaying to the beat, and humming. Their entire disposition is changed instantly. Suddenly, their mind is back in the bar where they met their wife or husband, at a high school football game for homecoming, or swimming in the community pool at the start of summer vacation. A simple song, associated with a special moment in time, taps into a deep instinctual corner of the mind that triggers overwhelming happiness. That is the power of music when introduced to the life of an Alzheimer’s patient; it can genuinely feel like magic. If you have any experience with Alzheimer’s, you know that happiness is incredible therapy. Not only for the person suffering from this terrible disease, but also for the caretaker(s). For many, a single smile from their loved one is enough to keep them moving forward. ### **Engaging Your Brain with Music** The central pillar of most treatment and care for Alzheimer’s patients is maintaining a healthy and active brain. There are countless studies that directly credit maintaining an active brain as the best weapon in living well with a variety of memory-related diseases. There are a number of well-supported studies that show maintaining a steady level of brain activity not only improves blood flow but also increases the brain’s ability to form important connections between different emotional centers. Doctors at [Wake Forest Baptist Medical Center](https://www.sciencedaily.com/releases/2017/04/170412181341.htm) found that when individuals listened to favorite songs from their youth. Connections were immediately made between the brain areas responsible for memory and social emotion. They even found that music therapy can actively help to restore connections in the brain that were broken through illness or injury. Meaning it is possible that the immediate emotional benefits of musical therapy may actually have long-term physical benefits as well. ### **Effortless Therapy** Alzheimer’s treatments have grown increasingly in-depth in recent years with an increased focus on treating and hopefully curing the disease. While the renewed focus on memory care is welcome and a boon to everyone involved, there are times when a lighter touch is necessary. Music therapy is incredibly simple, there are no potentially negative side effects, and it is completely unobtrusive. Not to mention, it is extremely low-cost or completely free to administer music therapy to an individual suffering from Alzheimer’s. Music therapy gives an important sense of control to an Alzheimer’s patient, making them exponentially more likely to respond well. It is a truly low-impact, high-reward activity that many doctors believe should be universally implemented for memory care. ### **Music is an Anchor** Establishing a psychological anchor is important in nearly every form of mental health care; Alzheimer’s and other forms of memory care are no exceptions. Individuals suffering from Alzheimer’s often have trouble pinning down exactly where they are mentally without something to “bring them home”. Often, caretakers do this directly just by being present, but music can play an important role as well. Connecting a particular song or genre of music with a state of being lucid by listening to it often can do wonders. It isn’t uncommon for an “anchor song” to bring Alzheimer’s patients out of complete trances. Music can also serve as a sort of guide through a mental journey. Recent studies have shown Alzheimer’s patients reacting in miraculous ways to being taken on a “journey through their life”. Starting with popular music from their formative years through adulthood and their golden years. It is similar to creating a slideshow of experiences for an Alzheimer’s patient. Early results show that this method actively increases overall happiness and gives patients a strong sense of control. ### **The Magic of Music** Music therapy may not be the cure we are all seeking so intently, but it is still almost indistinguishable from magic for many caregivers and Alzheimer’s patients. The first time you see the immediate shift in attitude and activity that comes with hitting that play button is an impossible-to-describe emotional experience. All of a sudden, your loved one is the same happy, singing, lucid person that you have so many dear memories with. Their happiness rolls across the room and waves, and you immediately know that music being magic isn’t just a cheap platitude; it is very real. [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for life insurance. Our primary mission: work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. Call [800-561-4148](tel:8005614148) to speak to our team. **Categories:** Life Settlement Blog **Tags:** Alzheimer's, Alzheimer's patient, senior health --- ### [IUL Pros & Cons](https://abacuslifesettlements.com/iul-pros-cons/) **Published:** July 8, 2025 **Author:** Admin **Content:** # Indexed Universal Life and Life Settlements Indexed Universal Life insurance (IUL) is one of the most misunderstood products on the market today as well as the most widely distributed of all the permanent products. Because of its prolific distribution, we suspect that more and more of the future life settlement business will come from IUL. Our friend John “Hutch” Hutchinson has compiled the most thorough article ever written on how IUL works as well as all the pros and cons of Indexed Universal Life insurance. Hutch actually went through the first few pages of both Google and YouTube searching for all the common arguments both for and against IUL to elaborate on each one. Included at the top of his article is a *[clickable table of contents](https://bankingtruths.com/indexed-universal-life-product-articles-and-videos/ "clickable table of contents")* so you can scan the various IUL topics and skip to whichever one you are wanting to drill down deeper into. Learn more about IUL pros and cons [here](https://bankingtruths.com/indexed-universal-life-insurance-pros-cons/?utm_source=trusted-advisor "here"). [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for life insurance. Our primary mission: Work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. Use our [Life Settlement Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/ "Life Settlement Calculator") or contact us at [800-561-4148](tel:8005614148) to learn more. **Categories:** Life Settlement Blog --- ### [Essential 4th of July Safety Tips for Seniors](https://abacuslifesettlements.com/four-tips-for-seniors-this-4th-of-july/) **Published:** June 30, 2025 **Author:** Admin **Content:** The 4th of July is right around the corner! That means it’s almost time to celebrate the birth of our great nation by sharing grilled food and patriotic fervor with our closest friends and family in the warm Summer air. While some traditional aspects of the 4th can pose potential health issues for seniors, there are still plenty of ways to enjoy the holiday well into your golden years! It may be tempting to fire that bottle rocket, spend all day in the sun, and eat more hot dogs than a competitive eater; but we encourage seniors to stay health conscious even on America’s birthday. ## **Senior Tips for a Happy Independence Day** 1\. Wear Sunscreen and Cover-Up – While this tip should really apply to everyone since skin cancer is a serious preventable issue for many Americans. Senior skin becomes more fragile with age, making it significantly faster to burn. Damage caused by sunburns is often worse in seniors as well, with an increased risk of blistering and long-term damage. As long as you remember to apply sunscreen every 2-3 hours when you are outdoors or riding in a car directly next to a window, you’ll be fine. Don’t forget to re-apply sunscreen more often if you are sweating or swimming since even waterproof sunscreen can run off. 2\. Stay Hydrated – No matter what state you live in, July is hot, and the 4th is typically celebrated outdoors. That means dehydration occurs even faster than usual, which can be a serious health concern for seniors. It should also be kept in mind that alcohol is not a viable source of hydration, as a matter of fact, has the opposite effect. So, keep a source of water nearby, and if you do decide to have an alcoholic beverage, balance it out with the same amount of water for each drink you have. 3\. Eat Healthily – We have discussed at length the importance of maintaining a heart and mind healthy diet well into your golden years. Holidays are no exception to the rule that a great diet will equal great health. I’m not suggesting that you eat a head of lettuce for the 4th instead of traditional fares like hamburgers and hotdogs but try to eat within reason. It can be easy to get lost in snacking especially at a party, so be aware of how many trips you are taking to the chip bowl. Also, if you are buying the hotdogs try and find quality natural ones rather than the cheap, processed packages you often find on the bottom shelf. 4\. Celebrate Responsibly – This tip is probably the most important thing to keep in mind for any 4th of July celebration, even if you aren’t a senior. The best way to celebrate the birth of our nation is without risking life and limb in the process. Practice safe and responsible firework use and avoid fireworks that can cause serious bodily harm. [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for life insurance. Our primary mission: Work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. Call [800-561-4148](tel:8005614148) to speak to our team and fill out our [Life Settlement Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/ "Life Settlement Calculator") to receive for your free estimate. **Categories:** Life Settlement Blog --- ### [Abacus Life Announces Agreement to Acquire Carlisle Management Company SCA](https://abacuslifesettlements.com/abacus-life-announces-agreement-to-acquire-carlisle-management-company-sca/) **Published:** July 29, 2024 **Author:** Admin **Content:** Source: **[Investor Relations](https://ir.abacuslifesettlements.com/news-releases/news-release-details/abacus-life-announces-agreement-acquire-carlisle-management)** ORLANDO, Fla., July 18, 2024 (GLOBE NEWSWIRE) — [**Abacus Life, Inc.**](https://abacuslifesettlements.com/about-us/) (“Abacus” or the “Company”) (NASDAQ: ABL), a leading buyer of life insurance policies and vertically integrated alternative asset manager specializing in specialty insurance products, today announced a definitive agreement to acquire Carlisle Management Company SCA (“Carlisle”), a leading Luxembourg-based investment manager in the life settlement space, for approximately $200 million. The acquisition of Carlisle, with approximately $2.0 billion in assets under management, is firmly aligned with Abacus’ continued expansion as a global asset manager. The addition of Carlisle further enhances Abacus’ offering to institutional investors seeking attractive risk-adjusted returns with low correlation to other asset classes. Since 2008, Carlisle’s team has been at the forefront of the life settlement industry, establishing the new standard for transparent transactions, maintaining integrity, and creating exceptional opportunities for life settlement investors and policyholders. Carlisle is licensed as an Alternative Investment Fund Manager under the oversight of the Commission de Surveillance du Secteur Financier (“CSSF”) in Luxembourg, the second largest domicile for fund managers in the world. “We are excited to be joining the industry-leading team at Abacus. The transaction will provide a myriad of potential opportunities and synergies that will be available to our funds, shareholders, and our employees,” said Carlisle Management’s Chief Executive Officer Jose Garcia. “Our company cultures are a perfect fit, and our portfolios, operations and management systems are clearly complementary. As we move forward, our primary focus remains to provide the highest standard of service and exceptional value to our clients.” “The acquisition of Carlisle is a strategic move aligned perfectly with our commitment to client-centric solutions and our continued growth as a global alternative asset manager,” said Abacus Life CEO Jay Jackson. “Carlisle has the strongest and most enduring track record as a fund manager within the life settlement industry, and its geographically diverse client base will further accelerate our drive towards becoming a global financial player.” Elena Plesco, Chief Capital Officer of Abacus Life, commented on the significance of the transaction: “This acquisition represents a pivotal moment for our [**ABL Wealth**](https://ablwealth.com/) division, which provides investors with access to an uncorrelated, high-returning asset class of insurance products. By integrating Carlisle’s expertise and robust portfolio into our offerings, we are strategically positioning ABL Wealth at the cornerstone of our mission to provide sophisticated investment solutions for the [**life settlement**](https://abacuslifesettlements.com/learn-how-life-settlements-work/) market. The acquisition underscores our commitment to delivering unparalleled value and expanding our capabilities to serve a broader spectrum of investors.” **Transaction Details** Carlisle shareholders will receive consideration in the form of $73.5 million in par value of Abacus bonds and 9.3 million Abacus common stock, which are subject to closing adjustments and certain performance thresholds. Transaction is subject to regulatory approval. **Advisors** Dynasty Investment Bank is acting as exclusive financial advisor to Abacus Life, and White & Case LLP and Elvinger S.à r.l. PLLC are acting as legal counsel to Abacus Life. Manorhaven Capital, LLC is acting as exclusive financial advisor to Carlisle Management, and ArentFox Schiff LLP, TS&P and Arendt & Medernach SA are acting as legal counsel to Carlisle Management. **About Carlisle Management Company SCA** Established in 2008, Carlisle is a leading, highly diversified global investment management firm. Carlisle’s state-of-the-art facilities and statistical modelling systems incorporate knowledge gained from over 60 years of combined investment experience within the alternative assets sector. Supervised by the Luxembourg regulator and overseen by reputable audit firms at both management company and fund levels, Carlisle operates independently. This allows management to focus solely on maximizing investor returns, risk management and transparency in investor reporting within a regulated framework. **About** **Abacus Life, Inc.** [**Abacus**](https://abacuslifesettlements.com/) is a leading vertically integrated alternative asset manager and market maker, specializing in longevity and actuarial technology. Since 2004, Abacus has purchased life insurance policies from consumers seeking liquidity and has actively managed those policies over time (via trading, holding, and/or servicing). With over $5 billion in face value of policies purchased, Abacus has helped thousands of clients maximize the value of life insurance. Abacus is the only public life settlement company trading on the [**Nasdaq Exchange**](https://www.nasdaq.com/) under the ticker symbol ABL. Over the past 20 years, the Company has built an institutionalized origination and portfolio management process that is supported by a 100+ person team, long-term relationships with 78 institutional partners and 30,000 financial advisors, and the ability to operate in 49 states. The Company complies with HIPAA and privacy laws to maintain and protect confidentiality of financial, health, and medical information. Abacus is also proud to be a [**BBB Accredited Business**](https://www.bbb.org/us/fl/orlando/profile/insurance-services-office/abacus-settlements-llc-0733-90405122) with an A+ rating. [www.abacuslife.com](https://www.globenewswire.com/Tracker?data=zeAT8HXSA0IJw4KXh0RM9l5jO32UVPoQCjry-FMJzy6Moi_7KPDvytV8cH3IOrcLel5yFQNi4l_ao4eXOB-bN61V5HacBg3DDkjthcbsXTg=) **Forward Looking Statements** All statements in this press release (and oral statements made regarding the subjects of this press release) other than historical facts are forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements rely on a number of assumptions concerning future events and are subject to a number of uncertainties and factors that could cause actual results to differ materially from such statements, many of which are outside the control of Abacus. Forward-looking information includes but is not limited to statements regarding: Abacus’s financial and operational outlook; Abacus’s operational and financial strategies, including planned growth initiatives and the benefits thereof, Abacus’s ability to successfully effect those strategies, and the expected results therefrom. These forward-looking statements generally are identified by the words “believe,” “project,” “estimate,” “expect,” ‎‎“intend,” “anticipate,” “goals,” “prospects,” “will,” “would,” “will continue,” “will likely result,” and similar expressions (including the negative versions of such words or expressions). While Abacus believes that the assumptions concerning future events are reasonable, it cautions that there are inherent difficulties in predicting certain important factors that could impact the future performance or results of its business. The factors that could cause results to differ materially from those indicated by such forward-looking statements include, but are not limited to: the ‎fact that Abacus’s loss reserves are based on estimates and may be inadequate to cover ‎its actual losses; the failure to properly price Abacus’s insurance policies; the ‎geographic concentration of Abacus’s business; the cyclical nature of Abacus’s industry; the ‎impact of regulation on Abacus’s business; the effects of competition on Abacus’s business; the failure of ‎Abacus’s relationships with independent agencies; the failure to meet Abacus’s investment ‎objectives; the inability to raise capital on favorable terms or at all; the ‎effects of acts of terrorism; and the effectiveness of Abacus’s control environment, including the identification of control deficiencies. These forward-looking statements are also affected by the risk factors, forward-looking statements and challenges and uncertainties set forth in documents filed by Abacus with ‎the U.S. Securities and Exchange Commission from time to time, including the Annual ‎Report on Form 10-K and Quarterly Reports on Form 10-Q and subsequent ‎periodic reports. These filings identify and address other important risks and uncertainties that could cause actual events and results to differ materially from those contained in the forward-looking statements. Abacus cautions you not to place undue reliance on the ‎forward-looking statements contained in this press release. Forward-looking statements speak only as of the date they are made. Readers are cautioned not to put undue reliance on forward-looking statements, and Abacus assumes no obligation and, except as required by law, does not intend to update or revise these forward-looking statements, whether as a result of new information, future events, or otherwise. Abacus does not give any assurance that it will achieve its expectations. **Contacts:** Abacus Life Investor Relations [investors@abacuslife.com](https://www.globenewswire.com/Tracker?data=9aPcvnQLH2cp7YGL8vXwKQFCVa0J88t2PVuyRmDU16LKDf2Z2n0TLCYm1ahP0mwGsAtl4sVufPvbwkUfJAgsqQPOtW-OkK7YDDsPEWyMGlo=) Abacus Life Public Relations [press@abacuslife.com](https://www.globenewswire.com/Tracker?data=l-qL5lO6EkaVQcuCstRWwoqSo_vKbw1NHudbPw3Yg33JTiG441Zp8P8RU1lUIVYgLQ5MhKyCpNaW734nGQ401R2MqdlN4GIBgUG2St21sEE=) Carlisle Management Investor Relations [info@cmclux.com](https://www.globenewswire.com/Tracker?data=6VoVZxorST0snlp_qmA6PTbQzLh0QCe6SOrApZhyfHbabFoWyvELv8LVScYTsX3MKeETTFB21Oehq8JPCYyxAQ==) Carlisle Management Public Relations [press@cmclux.com](https://www.globenewswire.com/Tracker?data=l-qL5lO6EkaVQcuCstRWwrw5EdcDHlZcDbTY7-NJKf2lTWBon5f6cKQk4_m9WLtpLr9beKEhuLeWPUnlXWWIrw==) Source: <https://ir.abacuslifesettlements.com/news-releases/news-release-details/abacus-life-announces-agreement-acquire-carlisle-management> **Categories:** Life Settlement Blog --- ### [Abacus Life Announces Pricing of Public Offering of Common Stock](https://abacuslifesettlements.com/abacus-life-announces-pricing-of-public-offering-of-common-stock/) **Published:** June 21, 2024 **Author:** Admin **Content:** Source: **[Investor Relations](https://ir.abacuslifesettlements.com/news-releases/news-release-details/abacus-life-announces-pricing-public-offering-common-stock)** ORLANDO, Fla., June 20, 2024 (GLOBE NEWSWIRE) — [**Abacus Life, Inc.**](https://abacuslifesettlements.com/about-us/) (“Abacus” or the “Company”) (NASDAQ: ABL), a pioneering alternative asset manager specializing in longevity and actuarial technology, today announced the pricing of its oversubscribed underwritten public offering of 10,000,000 shares of its common stock at a price to the public of $8.00 per share. In connection with the offering, the Company also granted the underwriters a 30-day option to purchase up to an additional 1,500,000 shares of common stock at the public offering price. The gross proceeds from the offering, before deducting underwriting discounts and commissions and offering expenses, are expected to be approximately $80 million, excluding any exercise of the underwriters’ option to purchase additional shares. All of the shares in the public offering are to be sold by Abacus. Abacus intends to use net proceeds for its operations, including the purchase of [**life settlement**](https://abacuslifesettlements.com/learn-how-life-settlements-work/) policies, to support its overall business strategy, for working capital purposes and for general corporate purposes, which may include repayment and refinancing of its indebtedness. Piper Sandler & Co., TD Securities (USA) LLC, B. Riley Securities and KKR Capital Markets LLC are acting as joint book-running managers and representatives of the underwriters. The offering is expected to close on June 24, 2024, subject to customary closing conditions. A registration statement on Form S-1 relating to this offering was declared effective by the Securities and Exchange Commission (“SEC”) on June 20, 2024. The preliminary prospectus has been filed with the SEC and is available on the SEC’s website at [**www.sec.gov**](http://www.sec.gov). The final terms of the offering will be disclosed in a final prospectus to be filed with the SEC. The final prospectus, when available, will be filed with the SEC and will be available on the SEC’s website at www.sec.gov. Copies of the preliminary prospectus and the final prospectus, when available, may also be obtained from: Piper Sandler & Co. by mail at 1251 Avenue of the Americas, 6th Floor, New York, NY 10020 or by email at prospectus@psc.com; TD Securities (USA) LLC by mail at 1 Vanderbilt Avenue, New York, NY 10017, by telephone at (855) 495-9846 or by email at TD.ECM\_Prospectus@tdsecurities.com; B. Riley Securities, Inc. by mail at 1300 17th Street North, Suite 1300, Arlington, VA 22209, by telephone at (703) 312-9580 or by email at prospectuses@brileyfin.com; or KKR Capital Markets LLC by mail at 30 Hudson Yards, 75th Floor, New York, NY 10001, Attention: Prospectus Delivery. This press release shall not constitute an offer to sell or the solicitation of an offer to buy the shares of the Company’s common stock or any other securities, nor shall there be any sale of such shares of common stock or any other securities in any state or other jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such state or other jurisdiction. Any offers, solicitations or offers to buy, or any sales of securities will be made in accordance with the registration requirements of the U.S. Securities Act of 1933, as amended. About Abacus Life, Inc. [**Abacus**](https://abacuslifesettlements.com/) is a leading vertically integrated alternative asset manager and market maker, specializing in longevity and actuarial technology. The Company is democratizing the life insurance space through three groundbreaking new channels: ABL Tech, ABL Wealth, and ABL Longevity Funds. Since 2004, Abacus has purchased life insurance policies from consumers seeking liquidity and has actively managed those policies over time (via trading, holding, and/or servicing). With over $5 billion in face value of policies purchased, Abacus has helped thousands of clients maximize the value of life insurance. Abacus is the only public life settlement company, trading on the [**Nasdaq Exchange** ](https://www.nasdaq.com/)under the ticker symbol ABL. Forward Looking Statements This communication may contain certain forward-looking statements within the meaning of the federal securities laws with respect to the proposed offering, including the expected closing of the offering. These forward-looking statements generally are identified by the words “believe,” “predict,” “project,” “propose,” “expect,” “anticipate,” “estimate,” “intend,” “strategy,” “future,” “scales,” “representative of,” “valuation,” “potential,” “opportunity,” “plan,” “may,” “should,” “will,” “would,” “will be,” “will continue,” “will likely result,” and similar expressions or the negatives of these terms or variations of them. Forward-looking statements are predictions, projections and other statements about future events that are based on current expectations and assumptions and, as a result, are inherently subject to risks and uncertainties. These forward looking statements are provided for illustrative purposes only and are not intended to serve as, and must not be relied on by any investor as, a guarantee, an assurance, a prediction or a definitive statement of fact or probability. Actual events and circumstances are beyond Abacus’ control, are difficult or impossible to predict and may differ from assumptions. Many factors could cause actual future events to differ materially from the forward looking statements in this communication, including but not limited to: (i) the risk that demand for Abacus’ life settlement and related offerings do not grow as expected, (ii) the ability of Abacus to retain existing customers and attract new customers, (iii) the potential inability of Abacus to manage growth effectively, (iv) the potential risks associated with Abacus’ revenue being concentrated in a limited number of customers, some of which are related parties, (v) the potential inability of Abacus to grow its market share of the life settlement industry or to achieve efficiencies regarding its operating model or other costs, (vi) negative trends in the life settlement industry impacting the value of life settlements, including increases to the premium costs of life insurance policies, increased longevity of insureds, and errors in the methodology and assumptions of life expectancy reports, (vii) legal challenges by insurers relating to the validity of the origination or assignment of certain life settlements, (viii) the enforceability of Abacus’ intellectual property rights, including its trademarks and trade secrets, and the potential infringement on the intellectual property rights of others, (ix) Abacus’ dependence on senior management and other key employees, and (x) the risk of downturns and a changing regulatory landscape in the industry in which Abacus operates. The foregoing list of factors is not exhaustive. Nothing in this communication should be regarded as a representation by any person that the forward-looking statements set forth herein will be achieved or that any of the contemplated results of such forward-looking statements will be achieved. You should carefully consider the foregoing factors and the other risks and uncertainties which will be more fully described in the documents filed by Abacus from time to time with the SEC. These filings identify and address other important risks and uncertainties that could cause actual events and results to differ materially from those contained in the forward-looking statements. Forward-looking statements speak only as of the date they are made. Readers of this communication are cautioned not to put undue reliance on forward-looking statements, and Abacus assumes no obligation and do not intend to update or revise these forward- looking statements, whether as a result of new information, future events, or otherwise. Abacus gives no assurance that it will achieve expectations. Contacts: Jeff Smith Director of Marketing [**1-800-561-4148**](tel:1-800-561-4148) \| jeff@abacuslife.com Abacus Life Investor Relations investors@abacuslife.com Abacus Life Public Relations press@abacuslife.com Source: <https://ir.abacuslifesettlements.com/news-releases/news-release-details/abacus-life-announces-pricing-public-offering-common-stock> **Categories:** Life Settlement Blog --- ### [When to Consider a Life Settlement?](https://abacuslifesettlements.com/when-to-consider-a-life-settlement/) **Published:** May 2, 2024 **Author:** Admin **Content:** **When to Consider a [Life Settlement](https://abacuslifesettlements.com/learn-how-life-settlements-work/)?** Are you a senior citizen burdened with financial stress or seeking a way to optimize your retirement funds? If so, a life settlement could be the beacon of hope you have been searching for. However, determining if a life settlement is the right path for you necessitates thoughtful consideration and evaluation of various factors. In this article, we will guide you through this process, helping you determine if a life settlement aligns with your financial goals and personal circumstances, and potentially alleviating your financial burdens. Before we delve into how a life settlement can empower your retirement plans, let us understand what it entails. A life settlement occurs when an individual, often an elderly policyholder, sells their life insurance policy to an investor or life settlement provider in exchange for a cash payment. The purchaser then becomes the new beneficiary of the policy, taking on the responsibility of future premiums. In return, the seller receives a lump sum payment, providing immediate liquidity and liberating them from the burden of ongoing premium payments. **Assessing Your Situation** A life settlement can be particularly advantageous under certain circumstances: 1. **Financial Hardship:** If you are facing financial difficulties, a life settlement can provide much-needed liquidity. Whether it is to cover medical expenses, settle debts, or bolster retirement savings, the cash payout can offer relief during challenging times. 2. **Changing Needs:** As life unfolds, your financial priorities may shift. For instance, if your children have grown financially independent or you have paid off significant debts, the original purpose of your life insurance policy might no longer be relevant. In such cases, selling the policy can unlock its value for other purposes that better align with your current circumstances. 3. **Funding Retirement:** As the retirement savings gap continues to increase for some, a life settlement offers a cash payment that can be used to put towards other investments and even retirement. Unlike some investments, cash from a life settlement is flexible to use on whatever you want to spend it on. 4. **Premium Strain:** Rising premiums can strain your budget, especially in retirement. Rather than letting the policy lapse or surrendering it for a minimal payout, a life settlement allows you to extract value from the policy and alleviate the financial burden of ongoing premiums. 5. **Business Ventures:** Entrepreneurs and business owners often require capital for ventures or investments. Selling a life insurance policy can provide a lump sum of cash that can be reinvested into the business, facilitating growth and expansion. **Seeking Professional Guidance** Given the complexities involved, consulting with financial advisors and life settlement providers is essential. These professionals can assess your individual situation, evaluate the potential benefits and drawbacks, and guide you through the process with expertise and care. At Abacus, we strive to help seniors take the step towards financial freedom. If you or someone you know could benefit from a life settlement or is interested in learning more, feel free to **[reach out](https://abacuslifesettlements.com/about-us/)** to our team at **[800-561-4148](tel:8005614148)** and try our Abacus Life Settlement Calculator **[here](https://abacuslifesettlements.com/qualify-a-life-settlement/)**. In conclusion, a life settlement can be a valuable financial tool in certain circumstances, offering a lifeline during times of financial strain or realigning your financial strategy to better meet your current needs and goals. By carefully weighing your options and seeking expert advice, you can make an informed decision that serves your best interests now and in the future. **Categories:** Life Settlement Blog --- ### [Fei Xue Appointed as Vice President of ABL Wealth at Abacus Life](https://abacuslifesettlements.com/fei-xue-appointed-as-vice-president-of-abl-wealth-at-abacus-life/) **Published:** April 18, 2024 **Author:** Admin **Content:** Source: **[Investor Relations](https://ir.abacuslifesettlements.com/news-releases/news-release-details/fei-xue-appointed-vice-president-abl-wealth-abacus-life)** **Launched in 2023, ABL Wealth has Aggressive Expansion Plans and Unique Lifespan-Driven Financial Planning and Investment Offerings** ORLANDO, Fla., April 18, 2024 (GLOBE NEWSWIRE) — [**Abacus Life, Inc.**](https://abacuslifesettlements.com/about-us/) (NASDAQ: ABL), a pioneering alternative asset manager specializing in longevity and actuarial technology, today announced the appointment of Fei Xue as Vice President of ABL Wealth. Based in Orlando, Ms. Xue brings nearly two decades of experience in asset and wealth management. Having worked at [**Dynasty Financial Partners**](https://dynastyfinancialpartners.com/) most recently, Ms. Xue served as a strategic advisor to some of the largest and most successful Registered Investment Advisors (RIAs) across the country. She partnered with sophisticated leadership teams to help scale their businesses, enhance investment offerings, build efficiencies, and better care for their clients. In her new role, Ms. Xue will oversee the buildout of [**ABL Wealth**](https://ablwealth.com/) and will report to Abacus Life Chairman and CEO, Jay Jackson. “We are thrilled to have Fei join Abacus in this key leadership role for ABL Wealth. Her broad experience in retail financial services and particular expertise in alternative assets and the RIA community make her a perfect fit for this position,” said Mr. Jackson. “ABL Wealth’s launch into the independent wealth management space is a key strategic growth area for Abacus Life, and I am excited to be a part of this journey,” said Ms. Xue. “ABL’s mission is to revolutionize wealth management through data-driven decision making, and we are well-positioned to bring our unique offering to our client base, and to the broader RIA community. This unique partnership with Dynasty will help propel ABL Wealth’s development and growth exponentially in the years to come.” “We are very happy to have Fei joining Abacus,” added Shirl Penney, CEO of Dynasty Financial Partners. “We are enthusiastic to be supporting Jay and ABL’s impressive growth goals and find it rewarding when our talent transitions to the client side. We firmly believe Fei will play a pivotal role in aligning our two firms, maximizing the synergies in this unique partnership.” Prior to Dynasty, Fei was the Director of RIA National Account and Due Diligence at CNL Financial Group, where she made significant contributions in capital raising and distribution of their private market alternative investments. Fei also has approximately a decade of experience in market and product intelligence across US and Asia working for J.P. Morgan Asset Management in both New York City and Hong Kong. Fei holds a Bachelor of Science degree from Babson College, and the Chartered Alternative Investment Analyst (CAIA) designation. **About Abacus** [**Abacus**](https://abacuslifesettlements.com/) is a leading vertically integrated alternative asset manager and market maker, specializing in longevity and actuarial technology. The company is democratizing the life insurance space through three groundbreaking new channels: ABL Tech, ABL Wealth, and ABL Longevity Growth & Income Funds. Since 2004, Abacus has purchased [**life insurance policies**](https://abacuslifesettlements.com/life-insurance-options/) from consumers seeking liquidity and has actively managed those policies over time (via trading, holding, and/or servicing). With over $5BN in face value of policies purchased, we have helped thousands of clients maximize the value of life insurance. Abacus Life is the only public life settlement company, trading on the [**Nasdaq Exchange**](https://www.nasdaq.com/) under the ticker symbol ABL. Over the past 20+ years, the company has built an institutionalized origination and portfolio management process that is supported by a 100+ person team, long-term relationships with 78 institutional partners and 30,000 financial advisors, and the ability to operate in 49 states. The Company complies with HIPAA and privacy laws to maintain and protect confidentiality of financial, health, and medical information. Abacus is also proud to be a [**BBB Accredited Business**](https://www.bbb.org/us/fl/orlando/profile/insurance-services-office/abacus-settlements-llc-0733-90405122) with an A+ rating. **Forward-Looking Statements** All statements in this press release (and oral statements made regarding the subjects of this press release) other than historical facts are forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements rely on a number of assumptions concerning future events and are subject to a number of uncertainties and factors that could cause actual results to differ materially from such statements, many of which are outside the control of Abacus. Forward-looking information includes but is not limited to statements regarding: Abacus’s financial and operational outlook; Abacus’s operational and financial strategies, including planned growth initiatives and the benefits thereof, Abacus’s ability to successfully effect those strategies, and the expected results therefrom. These forward-looking statements generally are identified by the words “believe,” “project,” “estimate,” “expect,” ‎‎”intend,” “anticipate,” “goals,” “prospects,” “will,” “would,” “will continue,” “will likely result,” and similar expressions (including the negative versions of such words or expressions). While Abacus believes that the assumptions concerning future events are reasonable, it cautions that there are inherent difficulties in predicting certain important factors that could impact the future performance or results of its business. The factors that could cause results to differ materially from those indicated by such forward-looking statements include, but are not limited to: the ‎fact that Abacus’s loss reserves are bases on estimates and may be inadequate to cover ‎its actual losses; the failure to properly price Abacus’s insurance policies; the ‎geographic concentration of Abacus’s business; the cyclical nature of Abacus’s industry; the ‎impact of regulation on Abacus’s business; the effects of competition on Abacus’s business; the failure of ‎Abacus’s relationships with independent agencies; the failure to meet Abacus’s investment ‎objectives; the inability to raise capital on favorable terms or at all; the ‎effects of acts of terrorism; and the effectiveness of Abacus’s control environment, including the identification of control deficiencies. These forward-looking statements are also affected by the risk factors, forward-looking statements and challenges and uncertainties set forth in documents filed by Abacus with ‎the U.S. Securities and Exchange Commission from time to time, including the Annual ‎Report on Form 10-K and Quarterly Reports on Form 10-Q and subsequent ‎periodic reports. These filings identify and address other important risks and uncertainties that could cause actual events and results to differ materially from those contained in the forward-looking statements. Abacus cautions you not to place undue reliance on the ‎forward-looking statements contained in this press release. Forward-looking statements speak only as of the date they are made. Readers are cautioned not to put undue reliance on forward-looking statements, and Abacus assumes no obligation and, except as required by law, does not intend to update or revise these forward-looking statements, whether as a result of new information, future events, or otherwise. Abacus does not give any assurance that it will achieve its expectations. Contact: Abacus Life Investor Relations <investors@abacuslife.com> Abacus Life Public Relations <press@abacuslife.com> Source: <https://ir.abacuslifesettlements.com/news-releases/news-release-details/fei-xue-appointed-vice-president-abl-wealth-abacus-life> **Categories:** Press Releases --- ### [Elena Plesco Joins Abacus Life (ABL) as Chief Capital Officer](https://abacuslifesettlements.com/elena-plesco-joins-abacus-life-abl-as-chief-capital-officer/) **Published:** April 3, 2024 **Author:** Admin **Content:** Source: **[Investor Relations](https://ir.abacuslifesettlements.com/news-releases/news-release-details/elena-plesco-joins-abacus-life-abl-chief-capital-officer)** ORLANDO, Fla., April 02, 2024 (GLOBE NEWSWIRE) — [**Abacus Life, Inc.**](https://abacuslifesettlements.com/about-us/) (NASDAQ: ABL) (“Abacus” or the “Company”), a leading buyer of life insurance policies and vertically integrated alternative asset manager specializing in specialty insurance products, today announced that Elena Plesco has joined Abacus as Chief Capital Officer. Based in New York, Ms. Plesco has over a decade of investing experience in the financial services and assets sectors. Ms. Plesco is joining Abacus from KKR, where she served as the Co-Head of Specialty Finance, within the asset-based finance business, focused on debt and equity investments in consumer and esoteric finance companies. Prior to KKR, she worked in the investment banking division of J.P. Morgan where she was involved in a variety of mergers, acquisitions, and other advisory transactions. As Chief Capital Officer for Abacus, Ms. Plesco will oversee capital management initiatives, ensuring optimization of the company’s financial structure and facilitating global expansion through strategic investments. “We’re thrilled to welcome Elena to the Abacus team as we continue to broaden our financial and business scope,” said Abacus Chief Executive Officer Jay Jackson. “Elena brings a wealth of investing and financing experience across several different asset classes, which complements our ongoing goal of further enhancing our investment management services. We are looking forward to having her help maximize returns for our shareholders.” “I am truly energized to embark on this journey with Abacus,” added Ms. Plesco. “Having known the management team for over five years, I am impressed with what they have been able to build. I look forward to leveraging our collective expertise to drive forward the ambitious long-term growth strategy of Abacus as a global financial player.” **About Abacus** [**Abacus**](https://abacuslifesettlements.com/) is a leading vertically integrated alternative asset manager and market maker, specializing in longevity and actuarial technology. The company is democratizing the life insurance space through three groundbreaking new channels: ABL Tech, ABL Wealth, and ABL Longevity Growth & Income Funds. Since 2004, Abacus has purchased life insurance policies from consumers seeking liquidity and has actively managed those policies over time (via trading, holding, and/or servicing). With over $5BN in face value of policies purchased, we have helped thousands of clients maximize the value of life insurance. Abacus Life is the only public life settlement company, trading on the [**Nasdaq Exchange**](https://www.nasdaq.com/) under the ticker symbol ABL. Over the past 20+ years, the company has built an institutionalized origination and portfolio management process that is supported by a 100+ person team, long-term relationships with 78 institutional partners and 30,000 financial advisors, and the ability to operate in 49 states. The Company complies with HIPAA and privacy laws to maintain and protect confidentiality of financial, health, and medical information. Abacus is also proud to be a [**BBB Accredited Business**](https://www.bbb.org/us/fl/orlando/profile/insurance-services-office/abacus-settlements-llc-0733-90405122) with an A+ rating. **Forward-Looking Statements** All statements in this press release (and oral statements made regarding the subjects of this press release) other than historical facts are forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements rely on a number of assumptions concerning future events and are subject to a number of uncertainties and factors that could cause actual results to differ materially from such statements, many of which are outside the control of Abacus. Forward-looking information includes but is not limited to statements regarding: Abacus’s financial and operational outlook; Abacus’s operational and financial strategies, including planned growth initiatives and the benefits thereof, Abacus’s ability to successfully effect those strategies, and the expected results therefrom. These forward-looking statements generally are identified by the words “believe,” “project,” “estimate,” “expect,” ‎‎”intend,” “anticipate,” “goals,” “prospects,” “will,” “would,” “will continue,” “will likely result,” and similar expressions (including the negative versions of such words or expressions). While Abacus believes that the assumptions concerning future events are reasonable, it cautions that there are inherent difficulties in predicting certain important factors that could impact the future performance or results of its business. The factors that could cause results to differ materially from those indicated by such forward-looking statements include, but are not limited to: the ‎fact that Abacus’s loss reserves are bases on estimates and may be inadequate to cover ‎its actual losses; the failure to properly price Abacus’s insurance policies; the ‎geographic concentration of Abacus’s business; the cyclical nature of Abacus’s industry; the ‎impact of regulation on Abacus’s business; the effects of competition on Abacus’s business; the failure of ‎Abacus’s relationships with independent agencies; the failure to meet Abacus’s investment ‎objectives; the inability to raise capital on favorable terms or at all; the ‎effects of acts of terrorism; and the effectiveness of Abacus’s control environment, including the identification of control deficiencies. These forward-looking statements are also affected by the risk factors, forward-looking statements and challenges and uncertainties set forth in documents filed by Abacus with ‎the U.S. Securities and Exchange Commission from time to time, including the Annual ‎Report on Form 10-K and Quarterly Reports on Form 10-Q and subsequent ‎periodic reports. These filings identify and address other important risks and uncertainties that could cause actual events and results to differ materially from those contained in the forward-looking statements. Abacus cautions you not to place undue reliance on the ‎forward-looking statements contained in this press release. Forward-looking statements speak only as of the date they are made. Readers are cautioned not to put undue reliance on forward-looking statements, and Abacus assumes no obligation and, except as required by law, does not intend to update or revise these forward-looking statements, whether as a result of new information, future events, or otherwise. Abacus does not give any assurance that it will achieve its expectations. Contact Abacus Life Investor Relations [investors@abacuslife.com](https://www.globenewswire.com/Tracker?data=gOPf_fc6PQWER3Rxn-zZJedL4Ov83NYQliidmZ6MDMU8f2fxenB97JKg2VpYLtaeNGbIGVHII1b7ldmzgI6IbrejqWL3eNNf7ccII_R3gN8=) Abacus Life Public Relations [press@abacuslife.com](https://www.globenewswire.com/Tracker?data=ufkll3_l64Ow4CPqkH3Dmu_54POfwiDK_DDQ2_OJnFhCJbOUXLwoUSaYi5vy54MLi40R4U8wNTfOJWvJaGUm2eXg1EWP_cGxC9Rjw-j7u3Y=) Source: <https://ir.abacuslifesettlements.com/news-releases/news-release-details/elena-plesco-joins-abacus-life-abl-chief-capital-officer> **Categories:** Life Settlement Blog, Press Releases --- ### [Abacus Life (ABL) Officially Launches Technology Sub-Division – ABL Tech](https://abacuslifesettlements.com/abacus-life-abl-officially-launches-technology-sub-division-abl-tech/) **Published:** February 28, 2024 **Author:** Admin **Content:** ORLANDO, Fla., Feb. 27, 2024 (GLOBE NEWSWIRE) — Abacus Life, Inc. (NASDAQ: ABL) (“Abacus” or the “Company”), a leading buyer of life insurance policies and vertically integrated alternative asset manager specializing in specialty insurance products, is proud to announce the official expansion of ABL Tech, its technology division. This strategic move also signals a rebranding and evolution from the well-respected LMA Technologies. For years, LMA Technologies has been at the forefront of serving the life insurance sector, offering institutional investors comprehensive solutions, including mortality verification, valuation services, and critical lifespan data insights. ABL Tech is set to build on this legacy, redefining the technological landscape within the pension fund and financial services industry with a suite of tech-driven solutions. “I am proud of the development and growth of our technology offerings. We have built a strong in-house development team and we are shaping the direction of new technology in our industry,” stated Jay Jackson, Chief Executive Officer. “With the multiple solutions we offer, I am confident in our ability to expand this market.” **A New Era of Data Technology** With the launch of ABL Tech, the Company is transcending traditional boundaries to introduce a spectrum of innovative services: - **Mortality Verification:** Utilizing AI and advanced algorithms for efficient death verification, participant location and fraud prevention, aiding pension funds in protecting assets through ABL Tech’s platforms. - **Valuation Services**: Leveraging AI and real-time data for strategic wealth distribution, crucial for insurers and wealth managers. - **Abacus Marketplace:** A multi-platform portal enhancing life settlement sector communication and transparency, simplifying access and processes for clients and advisors. - **Blockchain Technology:** Partnering with BlockCerts to revolutionize the industry with the Abacus Blockchain, cutting out paperwork and intermediaries for improved security and efficiency. Vincent Pellegrino, Vice President of ABL Tech, stated, “I am thrilled to be part of this Abacus team and we are pioneering transformative change in pension risk management. Our mission at ABL Tech is to secure futures and simplify pensions through our innovative data solutions and cutting-edge technology.” **Building on a Legacy of Expertise and Innovation** ABL Tech will benefit from Abacus Life’s extensive experience in the financial services and life settlement industries in its commitment to innovation, client-focused solutions and data security. **Discover the Future with ABL Tech** To learn more about our transformative solutions and how we are setting new standards in the pension management services industry, visit us at [www.abltech.com](https://www.globenewswire.com/Tracker?data=njHIRlFa5XhegmA98sLxrG33JxtUGKPIXvZTODyUBVqYM6WrDiKnVybcLwEIDAJg5n8ogeuN-zU2JwG3Y8brYg== "www.abltech.com"). **ABL Tech Contact Information:** Vincent Pellegrino Vice President – ABL Tech [vinnie@abltech.com](https://www.globenewswire.com/Tracker?data=HTwQKiDik0Pn11YnphOEZjC2nI-iH75ck5izgJL_I6vbabcWl17GhF-fdQMzcRRQ-sYMaFEJDZAF28CwwT_RqeUoEIk9dtiWMryXkifCppY= "vinnie@abltech.com") **About Abacus** Abacus Life, Inc. (NASDAQ: ABL) is changing how people think about [life insurance](https://abacuslifesettlements.com/life-insurance-options/). As one of the nation’s top buyers of life insurance policies and a leader in longevity-based investing, Abacus helps policyholders unlock the value of their policies—providing over $5 billion in face value since 2004. With the recent launch of ABL Tech, built on the foundation of LMA Technologies, Abacus is equipping institutional partners with next-gen tools for mortality tracking, policy valuation, and lifespan analytics. Backed by a team of 100+ professionals, relationships with 78 institutions and 30,000 financial advisors, and a nationwide presence, Abacus brings together innovation, transparency, and deep industry knowledge to transform life insurance into a powerful financial tool. Receive your estimate using our [Life Settlement Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/) for free today! **Contact:** Abacus Life Investor Relations [investors@abacuslife.com](https://www.globenewswire.com/Tracker?data=TpF4x9LFKfyvGubKCRQY9yagK0KM4nGare5DWMW5Kf-oXF9dOD7W42Xk3uuiuo94SjBH4q8W-ugcaPDqh9R9oE8JiZirvc4u_H7Yp7cykPv_8pmALBf-jgmzB3O0UyN9q5dHJCdfQ3zVMS_kR2n1YLto7v_l3jMwbsiNJOMMIsLL7TKzAr4pvoi3NacRFeYR95xat8IyNUtKbOEMHN1lNvdFVNKNTtPN8QDBVBl1hbkVjfiTK-vc3Y19cUzuR2jVaEmtN2rTFfzZsM6ztTvM8w== "investors@abacuslife.com") Abacus Life Public Relations [press@abacuslife.com](https://www.globenewswire.com/Tracker?data=MmvoN2NZAV_2z5tZpGgoe-3IVymdjImK2Bwmpa3uvqW6tl86ymVXrhwXp1A7FAluDPXbxw2VqIpthAU0Tv7MPvHkUv-CkNQIAqBYxM-7tBPbMvUtahGXHA02N5IxIjgFFEq9t3fd85nzbDGULdsKMsR0Uh9CYYtOqFO5R8uvbrWe5WMD-TCoAD6jpdyj36fIHGaOk2uI5ojR9jWSrKtq9p9WjibJVb4awvDLj_e8KujOIt1ks4VYtcIWB5HP_PTEwWCk8LeOV0fHilWZrzc31Q== "press@abacuslife.com") Read the full article [here](https://www.globenewswire.com/news-release/2024/02/27/2836363/0/en/UPDATE-Abacus-Life-ABL-Officially-Launches-Technology-Sub-Division-ABL-Tech.html) to learn more. **Categories:** Life Settlement Blog --- ### [Abacus Life Repurchases Total of $6 Million of Stock in First 60 Days of Program](https://abacuslifesettlements.com/abacus-life-repurchases-total-of-6-million-of-stock-in-first-60-days-of-program/) **Published:** February 13, 2024 **Author:** Admin **Content:** ORLANDO, Fla., Feb. 13, 2024 (GLOBE NEWSWIRE) — Abacus Life, Inc. (NASDAQ: ABL) (“Abacus” or the “Company”), a leading buyer of life insurance policies and vertically integrated alternative asset manager specializing in specialty insurance products, provided an update to its $15 million stock repurchase program previously announced on December 12, 2023 (the “Repurchase Program”). From the commencement of the Repurchase Program through February 12, 2024, Abacus has repurchased 553,150 shares of its common stock at an average price of $10.92 on the open market at a total cost of approximately $6.0 million. As of February 12, 2024, Abacus has $9.0 million of availability under the Repurchase Program, which expires on June 10, 2025, unless sooner suspended or discontinued. “We continue to be pleased with our Repurchase Program’s progress,” stated Jay Jackson, Chairman and Chief Executive Officer. “We remain excited at the long-term growth opportunities present for our expert team at Abacus to execute upon and generate additional value creation for stockholders.” During the pendency of the stock repurchase program, the Company may repurchase shares from time to time through various methods, including in open market transactions, block trades, accelerated share repurchases, privately negotiated transactions, derivative transactions or otherwise, certain of which may be made pursuant to a trading plan meeting the requirements of Rule 10b5-1 under the Securities Exchange Act of 1934, as amended, in compliance with applicable state and federal securities laws. The timing, as well as the number and value of shares repurchased under the program, will be determined by the Company at its discretion and will depend on a variety of factors, including our assessment of the intrinsic value of the Company’s common stock, the market price of the Company’s common stock, general market and economic conditions, available liquidity, compliance with the Company’s debt and other agreements, applicable legal requirements, the nature of other investment opportunities available to the Company, and other considerations. The Company is not obligated to purchase any shares under the repurchase program, and the program may be suspended, modified, or discontinued at any time without prior notice. The Company expects to fund the repurchases by using cash on hand and expected free cash flow to be generated in the future. **Forward-Looking Statements** All statements in this press release (and oral statements made regarding the subjects of this press release) other than historical facts are forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements rely on a number of assumptions concerning future events and are subject to a number of uncertainties and factors that could cause actual results to differ materially from such statements, many of which are outside the control of Abacus. Forward-looking information includes but is not limited to statements regarding: Abacus’s financial and operational outlook; Abacus’s operational and financial strategies, including planned growth initiatives and the benefits thereof, Abacus’s ability to successfully effect those strategies, and the expected results therefrom. These forward-looking statements generally are identified by the words “believe,” “project,” “estimate,” “expect,” ‎‎”intend,” “anticipate,” “goals,” “prospects,” “will,” “would,” “will continue,” “will likely result,” and similar expressions (including the negative versions of such words or expressions). While Abacus believes that the assumptions concerning future events are reasonable, it cautions that there are inherent difficulties in predicting certain important factors that could impact the future performance or results of its business. The factors that could cause results to differ materially from those indicated by such forward-looking statements include, but are not limited to: the impact of the stock repurchase plan on the trading price, volume and public float of the Company’s common stock and the trading price and exercise of the Company’s warrants exercisable for shares of the Company’s common stock; the ‎fact that Abacus’s loss reserves are bases on estimates and may be inadequate to cover ‎its actual losses; the failure to properly price Abacus’s insurance policies; the ‎geographic concentration of Abacus’s business; the cyclical nature of Abacus’s industry; the ‎impact of regulation on Abacus’s business; the effects of competition on Abacus’s business; the failure of ‎Abacus’s relationships with independent agencies; the failure to meet Abacus’s investment ‎objectives; the inability to raise capital on favorable terms or at all; the ‎effects of acts of terrorism; and the effectiveness of Abacus’s control environment, including the identification of control deficiencies. These forward-looking statements are also affected by the risk factors, forward-looking statements and challenges and uncertainties set forth in documents filed by Abacus with ‎the U.S. Securities and Exchange Commission from time to time, including the Annual ‎Report on Form 10-K and Quarterly Reports on Form 10-Q and subsequent ‎periodic and current reports. These filings identify and address other important risks and uncertainties that could cause actual events and results to differ materially from those contained in the forward-looking statements. Abacus cautions you not to place undue reliance on the ‎forward-looking statements contained in this press release. Forward-looking statements speak only as of the date they are made. Readers are cautioned not to put undue reliance on forward-looking statements, and Abacus assumes no obligation and, except as required by law, does not intend to update or revise these forward-looking statements, whether as a result of new information, future events, or otherwise. Abacus does not give any assurance that it will achieve its expectations. **About Abacus** [Abacus](https://abacuslifesettlements.com/) is a leading alternative asset manager and market maker specializing in longevity-based investments and actuarial technology. Through its platforms: ABL Tech, ABL Wealth, and ABL Longevity Funds — Abacus is transforming access to the life insurance market. Since 2004, the company has acquired over $4.6 billion in life insurance policy face value, helping thousands of clients unlock liquidity. As the only publicly traded life settlement company (Nasdaq: ABL), [Abacus](https://abacuslifesettlements.com/about-us/) combines institutional-grade portfolio management, a 100+ person team, and partnerships with 78 institutions and 30,000 financial advisors. Operating in 49 states and fully HIPAA-compliant, Abacus maintains an A+ BBB rating, reflecting its commitment to trust, privacy, and innovation. Contact: Abacus Life Investor Relations [investors@abacuslife.com](https://www.globenewswire.com/Tracker?data=DvGqDer5Gah_wvRRnyJ5CYYcICb_iRGqCf2yIPT6SURG_Y615Xre-EyoIB8PJVQZsSNDwg8v_dfETt_sJvQgejHY2bjAjhdarN7tI9jGXd7IBeODloYZrEYj5yUo23lH260yyUBkPXNnoA58zgDSoh4E55GmfwVk5XSPQ7khIdbHxh5JL7-FpeIJlGviNqiOk2RgxSGD6CokpyqQDX15zh2CkUqAkE89z_PX1lrCyxl3MsKIlUV7mimlA-0aPmWAq_iADy0J8y3EZaWzzgx-Bg==) Abacus Life Public Relations [press@abacuslife.com](https://www.globenewswire.com/Tracker?data=nF2FhAqJSCZnk3Wla2RWePgJcgDDcJxz1dzKp1b0WOJZh7KYyjE-9HJP8xBcw3N9a58aj1A-k_hbvlRKuD-u3pAyrWvfP6CpeIkJhTr-_90ge-mveF3jFSeCN3CIa-zgMWeT07FuWdEj5vuhu7vksGOAHEDhpbgJD0vNZBJCYMEJAIB8ENYT89EE29fXbmjg4xLckzeW5AzK7A1jP6WslIOxjR8wsnaQcw4LEKcyUFOq8ZSQhgMiA3eS84GhFt71IfH9xjp1bgbqTwx9QAl_XA==) Full Source [here](https://www.einnews.com/pr_news/688261472/abacus-life-repurchases-total-of-6-million-of-stock-in-first-60-days-of-program). **Categories:** Life Settlement Blog --- ### [Abacus Life, Inc. Prices Public Offering of $25 Million Additional 9.875% Notes Due 2028](https://abacuslifesettlements.com/abacus-life-inc-prices-public-offering-of-25-million-additional-9-875-notes-due-2028/) **Published:** February 13, 2024 **Author:** Admin **Content:** ORLANDO, Fla., Feb. 12, 2024 (GLOBE NEWSWIRE) — Abacus Life, Inc. (“Abacus” or the “Company”) (NASDAQ: ABL; ABLLL) today announced that it has priced an underwritten public offering of $25 million in aggregate principal amount of its additional 9.875% notes due 2028 (the “New Notes”). The New Notes will have the same terms (except with respect to issue date and the date from which interest will accrue) as, will be fully fungible with and will be treated as a single series of debt securities as, the 9.875% notes due 2028 the Company issued on November 10, 2023 in an aggregate principal amount of $35,650,000 (the “Existing Notes” and together with the New Notes, the “Notes”). When issued, the New Notes will bring the aggregate amount of Notes outstanding to $60,650,000. The Company has granted the underwriters an option to purchase up to an additional $3,750,000 in aggregate principal amount of New Notes solely to cover overallotments, if any. The offering is expected to close on February 15, 2024, subject to customary closing conditions. Piper Sandler & Co., A.G.P. / Alliance Global Partners, and Ladenburg Thalmann & Co. Inc. are serving as joint book-running managers for the offering. The Company expects to use the net proceeds from this offering to refinance other outstanding indebtedness and for general corporate purposes. The Existing Notes are listed and trade on the Nasdaq Global Market® under the symbol “ABLLL” and the Company intends to apply to list the New Notes on the Nasdaq Global Market® under the same symbol. Investors are advised to consider carefully the investment objective, risks and charges and expenses of the Company before investing. Locke Lord LLP acts as legal counsel to the Company, and Alston & Bird LLP acts as legal counsel to the underwriters. This press release does not constitute an offer to sell or the solicitation of an offer to buy, nor will there be any sale of, the New Notes referred to in this press release in any state or jurisdiction in which such offer, solicitation or sale would be unlawful prior to the registration or qualification under the securities laws of such state or jurisdiction. A registration statement relating to these securities was filed and has been declared effective by the Securities and Exchange Commission (the “SEC”). The offering will be made only by means of a prospectus. Copies of the preliminary prospectus relating to the offering may be obtained for free by visiting the SEC’s website at [www.sec.gov](https://www.globenewswire.com/Tracker?data=rzL3q5EuMNYQ_sKSkRuQGKBi0LnD-U1Jk_Nq10l30Iyr8z4p6__Q7zFYcywUFYwrSM8514-YxQZao5znQ9N-ihkz6JMgNKfIqMBdLfSMecK5kAAqvNwbaiPJ_3GD6C0TGEYQUXr19V23tE_W2S5G6eW3_E62p4-6YuNpkKyKx3-f7x1yCKTFkWuW9e4dtk5po7PbDluoBawg0GLkeNoB6NPKg6h5pb0o_EOfxvUfygk=)or from the underwriters by contacting: Piper Sandler & Co. by mail at 1251 Avenue of the Americas, 6th Floor, New York, NY 10020, or by email at [fsg-dcm@psc.com.](https://www.globenewswire.com/Tracker?data=aFJy-Noc3C5On9WnEZOdTtMW_by9Dv0GyW6kt5VQ4rBxPrdITh6Ru74x5y2tB-UWUCpDqrpjjHsKFcEsgUqnGTk_GLNY5pYGP1riUwbIhbU3bme3Gu47g9wQM9OjhoUoRyfw1LTK4KPEDYkB5NBuuIS7rXWf4mVqYwpDJW7gD9_4NJTjaIquejfu51U1PnMCjSRkgdLO5JY8_lvhb1RhAGajE_sNqBTGpRhqv0P00ck=) The preliminary prospectus contains a description of these matters and other important information about the Company and should be read carefully before investing. **About Abacus Life, Inc.** [Abacus](https://abacuslifesettlements.com/) is a leading vertically integrated alternative asset manager and market maker, specializing in longevity and actuarial technology. The company is democratizing the life insurance space through groundbreaking new channels: ABL Tech, ABL Wealth, and ABL Longevity Growth and Income Funds. Since 2004, Abacus has purchased [life insurance policies](https://abacuslifesettlements.com/life-insurance-options/) from consumers seeking liquidity and has actively managed those policies over time (via trading, holding, and/or servicing). With over $4.6BN in face value of policies purchased, Abacus has helped thousands of clients maximize the value of life insurance. Abacus Life is the only public life settlement company, trading on the Nasdaq Exchange under the ticker symbol ABL. Over the past 20 years, the company has built an institutionalized origination and portfolio management process that is supported by a 100+ person team, long-term relationships with 78 institutional partners and 30,000 financial advisors, and the ability to operate in 49 states. The Company complies with HIPAA and privacy laws to maintain and protect confidentiality of financial, health, and medical information. Abacus is also proud to be a BBB Accredited Business with an A+ rating. **Forward-Looking Statements** This communication contains certain forward-looking statements within the meaning of the federal securities laws with respect to the proposed transaction, including statements regarding the anticipated benefits of the transaction, the future financial condition and performance of the Company and expected financial impacts of the transaction (including future revenue and pro forma enterprise value) and the platform and markets and expected future growth and market opportunities of Abacus. These forward-looking statements generally are identified by the words “believe,” “predict,” “project,” “expect,” “anticipate,” “estimate,” “intend,” “strategy,” “future,” “scales,” “representative of,” “valuation,” “potential,” “opportunity,” “plan,” “may,” “should,” “will,” “would,” “will be,” “will continue,” “will likely result,” and similar expressions or the negatives of these terms or variations of them. Forward-looking statements are predictions, projections and other statements about future events that are based on current expectations and assumptions and, as a result, are inherently subject to risks and uncertainties. These forward‐looking statements are provided for illustrative purposes only and are not intended to serve as, and must not be relied on by any investor as, a guarantee, an assurance, a prediction or a definitive statement of fact or probability. Actual events and circumstances are beyond Abacus’s control, are difficult or impossible to predict and may differ from assumptions. Many factors could cause actual future events to differ materially from the forward-looking statements in this communication, including but not limited to: (i) the risk that demand for Abacus’s life settlement and related offerings does not grow as expected, (ii) the ability of Abacus to retain existing customers and attract new customers, (iii) the potential inability of Abacus to manage growth effectively, (iv) the potential inability of Abacus to grow its market share of the life settlement industry or to achieve efficiencies regarding its operating model or other costs, (v) negative trends in the life settlement industry impacting the value of life settlements, including increases to the premium costs of life insurance policies, increased longevity of insureds, and errors in the methodology and assumptions of life expectancy reports, (vi) legal challenges by insurers relating to the validity of the origination or assignment of certain life settlements, (vii) the enforceability of Abacus’s intellectual property rights, including its trademarks and trade secrets, and the potential infringement on the intellectual property rights of others, (viii) Abacus’s dependence on senior management and other key employees, and (ix) the risk of downturns and a changing regulatory landscape in the industry in which Abacus operates. The foregoing list of factors is not exhaustive. Nothing in this communication should be regarded as a representation by any person that the forward-looking statements set forth herein will be achieved or that any of the contemplated results of such forward-looking statements will be achieved. You should carefully consider the foregoing factors and the other risks and uncertainties which will be more fully described in the documents filed by Abacus from time to time with the SEC. These filings identify and address other important risks and uncertainties that could cause actual events and results to differ materially from those contained in the forward-looking statements. Forward-looking statements speak only as of the date they are made. Readers of this communication are cautioned not to put undue reliance on forward-looking statements, and Abacus assumes no obligation and do not intend to update or revise these forward-looking statements, whether as a result of new information, future events, or otherwise. Abacus gives no assurance that it will achieve expectations. **Contacts:** Abacus Life Investor Relations [investors@abacuslife.com](https://www.globenewswire.com/Tracker?data=7Te6mU5mFw9bNAnZgdynmDPUrHGIwSHJVGDh0VAy9b352VPjo2Cf-B1XJ5RJ9jJSLPtk76LtgZNiB2Yggo8CjOiXoFAc5NmcTPYQa7-NgY0=) Abacus Life Public Relations [press@abacuslife.com](https://www.globenewswire.com/Tracker?data=6NkFdUlvTxi5ZUVTy0xaLF3yTlRBhOYwaPTS9LGuTGLe23UzIpV628KkLv4BS6eRNZKszN6dCJuKH5oVmuoi_MiMhnxPY1UzS0v567SlzRM=) Discover the full article [now](https://www.globenewswire.com/news-release/2024/02/12/2827435/0/en/Abacus-Life-Inc-Prices-Public-Offering-of-25-Million-Additional-9-875-Notes-Due-2028.html). **Categories:** Life Settlement Blog --- ### [Abacus Life CEO Unpacks Life Insurance Myths and Realities on the Wealthion Podcast](https://abacuslifesettlements.com/abacus-life-ceo-jay-jackson-discusses-misconceptions-about-life-insurance-on-the-wealthion-podcast/) **Published:** February 6, 2024 **Author:** Admin **Content:** ORLANDO, Fla., Feb. 06, 2024 (GLOBE NEWSWIRE) — Abacus Life, Inc. (NASDAQ: ABL) (“Abacus” or the “Company”), a leading buyer of life insurance policies and vertically integrated alternative asset manager specializing in specialty insurance products, announced today that Abacus Life CEO Jay Jackson appears as a guest on the Wealthion Podcast hosted by Eric Chemi. On the podcast, CEO Jackson discusses, among other things, the misconceptions about life insurance and the changing financial planning landscape. *“People don’t treat their life insurance policy like an asset, they look at it like credit card debt. They don’t understand it accretes in value and has a market value. If they did, 90% of policies would never lapse.*” – Abacus Life CEO Jay Jackson The podcast can be found using the links below: Listen on Apple Podcasts [here.](https://podcasts.apple.com/us/podcast/from-policy-to-profit-unlocking-the-hidden-value-of/id1566889716?i=1000644333603) Listen on YouTube [here](https://www.youtube.com/watch?v=f5zD_kDXM-8). Listen on SPACInsider [website](https://wealthion.com/from-policy-to-profit-unlocking-the-hidden-value-of-life-insurance-jay-jackson/). **About Abacus** [Abacus](https://abacuslifesettlements.com/) is a leading vertically integrated alternative asset manager and market maker, specializing in longevity and actuarial technology. The company is democratizing the life insurance space through groundbreaking new channels: ABL Tech, ABL Wealth, and ABL Longevity Growth and Income Funds. Since 2004, Abacus has purchased [life insurance policies](https://abacuslifesettlements.com/life-insurance-options/) from consumers seeking liquidity and has actively managed those policies over time (via trading, holding, and/or servicing). With over $4.6BN in face value of policies purchased, Abacus has helped thousands of clients maximize the value of life insurance. Abacus Life is the only public life settlement company, trading on the Nasdaq Exchange under the ticker symbol ABL. Over the past 20 years, the company has built an institutionalized origination and portfolio management process that is supported by a 100+ person team, long-term relationships with 78 institutional partners and 30,000 financial advisors, and the ability to operate in 49 states. The Company complies with HIPAA and privacy laws to maintain and protect confidentiality of financial, health, and medical information. Abacus is also proud to be a BBB Accredited Business with an A+ rating. **Contact:** Abacus Life Investor Relations [investors@abacuslife.com](https://www.globenewswire.com/Tracker?data=lKLaZjg8SgOmVq9aoa9ZB_wAZlgyJp5I2Fsi-c_v_zmx5ihCgGu3D53k7qIz6kI14Nf-v1UdTPDCbeVauOCjl8ZlB_wzX-toneWahYIz45ydoRedrcew5CGqcglP85DX44DOC6qnwwNE9cLIvUf4Q_TgS3XIHf1G9J8NvTHNKJJzVKYeo2kxptI9DwzVZyOhXwKhkNaCttwhlNb7TUt6arPr3Aparg2N6iCMVNx1SRdn4UUZlLlyCjp1k8t0gT6LZJMsuyp4WLkeewVYqKT5WA== "investors@abacuslife.com") Abacus Life Public Relations [press@abacuslife.com](https://www.globenewswire.com/Tracker?data=lC4pS1XhU-QZbBYI7WAT4mHkYAzwL7vuwtDIYdLqXh2iAec1qjXIgmJ6X6AQlkje5Qrd7m66v2xXpLZFLDbcWNTWsGeE9HHin0XNyiQXsMEDZFUEXgekw1Fx15Ia8WTd3RvaqVbigTuJmSOpyEewj8Cp16I787EQMpuR_Fb8AzxgRg3cu3QWSNZ4-lCo10VsUdlYfEES1PJK18mFOynRHcyTZL5_Es6lF2KPoj9IJCdxdUViprIyvtS29v4TL_IJ3hjr9r5RXcinyVLHtNFGuQ== "press@abacuslife.com") Read the full article [here](https://www.globenewswire.com/news-release/2024/02/06/2824612/0/en/Abacus-Life-CEO-Jay-Jackson-Discusses-Misconceptions-About-Life-Insurance-on-the-Wealthion-Podcast.html). **Categories:** Life Settlement Blog --- ### [Abacus Life CEO Featured on SPAC Insider: The Power of Lifespan Analytics in Wealth Planning](https://abacuslifesettlements.com/abacus-life-ceo-jay-jackson-discusses-lifespan-data-and-financial-planning-on-spac-insider-podcast/) **Published:** February 2, 2024 **Author:** Admin **Content:** ORLANDO, Fla., Feb. 02, 2024 (GLOBE NEWSWIRE) — Abacus Life, Inc. (NASDAQ: ABL) (“Abacus” or the “Company”), a leading buyer of life insurance policies and vertically integrated alternative asset manager specializing in specialty insurance products, announced today that Abacus Life CEO Jay Jackson appears as a guest on the SPACInsider Podcast hosted by Nicholas Clayton and Marlena Haddad. On the podcast, CEO Jackson discusses, among other things, the de-SPAC process and the undervalued importance of longevity data. *“The biggest fear for retirees is what? Running out of money. If they had an accurate lifespan, we could actually design better financial products and allocations to that individual. As we apply this data to lifespan and financial planning, I just couldn’t be more thrilled to see how that’s going to grow. Not just in our business, but the industry. I think there will be a fundamental shift in how financial planning is actually done*.” -Abacus Life CEO Jay Jackson The podcast can be found using the links below: Listen on Apple Podcast [here](https://podcasts.apple.com/us/podcast/abacus-life-chairman-and-ceo-jay-jackson/id1567687507?i=1000643933829spotify). Listen on Spotify [here](https://podcasts.apple.com/us/podcast/abacus-life-chairman-and-ceo-jay-jackson/id1567687507?i=1000643933829spotify). Listen on SPACInsider website [here](https://www.spacinsider.com/news/intel/podcast-abacus-life-jay-jackson-returns). **About Abacus** [Abacus](https://abacuslifesettlements.com/about-us/) is a leading vertically integrated alternative asset manager and market maker, specializing in longevity and actuarial technology. The company is democratizing the life insurance space through groundbreaking new channels: ABL Tech, ABL Wealth, and ABL Longevity Growth and Income Funds. Since 2004, Abacus has purchased life insurance policies from consumers seeking liquidity and has actively managed those policies over time (via trading, holding, and/or servicing). With over $4.6BN in face value of policies purchased, Abacus has helped thousands of clients maximize the value of life insurance. Abacus Life is the only public life settlement company, trading on the Nasdaq Exchange under the ticker symbol ABL. Over the past 20 years, the company has built an institutionalized origination and portfolio management process that is supported by a 100+ person team, long-term relationships with 78 institutional partners and 30,000 financial advisors, and the ability to operate in 49 states. The Company complies with HIPAA and privacy laws to maintain and protect confidentiality of financial, health, and medical information. Abacus is also proud to be a BBB Accredited Business with an A+ rating. Abacus Life Investor Relations [investors@abacuslife.com](https://www.globenewswire.com/Tracker?data=0rKJ8n8rjnXN34G7EpGPpxzvtpeWyVSILcay_tFYtm0mVFuWBN5zTkyLcxc01Yu73yaD5fTxzvz1B9I8gbIxUjoHnLpL6G33CWEyCAoRM2IzpyHJFbrJnxdeqvm26PncCJg_gzJTkkOo_Hy0oSkkdQPRYFddDp4vfd13jY9LE-ZSU29uTDnTq6T-IcT25INm8AoKHJVix82lJHvetOU4VXhFdMDkLFc8cJoRRJmaVyaH7b-t9E5Bz5IjKj3o7I2e2__adg0_hwMb0cuCXqdUOw== "investors@abacuslife.com") Abacus Life Public Relations [press@abacuslife.com](https://www.globenewswire.com/Tracker?data=1TjHix0taGyjA02aCrrYg99H2P0TVYolkyMBJ6cvyYyJkVyteketh1VcagQ4-2iXjnNl8-HrsIpW_igqAUfqnwGlT-fHR6dW5cILuK29NiPhFomNt9vpFarhxZbxRd5AGNfnxJuFKVD_8z3_bDDNDfnbVYAcnuOcM_Z3k0idgaICAUU4aTexWCVZJ6YTtOZh3CWogJH7iHC9mO2nvA7jdCCtiCj8IjjRw1PfCPCWA-spGqsWP8-lS3toCUzMJkeLJ5Xe7U7dkj8FwZWOm44DMQ== "press@abacuslife.com") Read full article [here](https://www.globenewswire.com/news-release/2024/02/02/2823022/0/en/Abacus-Life-CEO-Jay-Jackson-Discusses-Lifespan-Data-and-Financial-Planning-on-SPAC-Insider-Podcast.html). **Categories:** Life Settlement Blog --- ### [Abacus Life Repurchases $1.9 Million of Stock in First 30 Days of Program](https://abacuslifesettlements.com/abacus-life-repurchases-1-9-million-of-stock-in-first-30-days-of-program/) **Published:** January 9, 2024 **Author:** Admin **Content:** ORLANDO, Fla., Jan. 09, 2024 (GLOBE NEWSWIRE) — Abacus Life, Inc. (NASDAQ: ABL) (“Abacus” or the “Company”), a leading buyer of life insurance policies and vertically integrated alternative asset manager specializing in specialty insurance products, provided an update to its $15 million stock repurchase program previously announced on December 12, 2023 (the “Repurchase Program”). From the commencement of the Repurchase Program through January 8, 2024, Abacus has repurchased 206,050 shares of its common stock at an average price of $9.26 on the open market at a total cost of approximately $1.9 million. As of January 9, 2024, Abacus has $13.1 million of availability under the Repurchase Program, which expires on June 10, 2025, unless sooner suspended or discontinued. “We are pleased with the progress of our Repurchase Program, which reflects our continued belief in the quality of our business and the substantial opportunities ahead at Abacus for future long-term value creation,” stated Jay Jackson, Chairman and Chief Executive Officer. “We believe our expert team, wealth of data and innovative technology continue to position us well to further execute on our strategic growth initiatives, generate sustained profitability, and ultimately create long-term value for our stockholders.” During the pendency of the stock repurchase program, the Company may repurchase shares from time to time through various methods, including in open market transactions, block trades, accelerated share repurchases, privately negotiated transactions, derivative transactions or otherwise, certain of which may be made pursuant to a trading plan meeting the requirements of Rule 10b5-1 under the Securities Exchange Act of 1934, as amended, in compliance with applicable state and federal securities laws. The timing, as well as the number and value of shares repurchased under the program, will be determined by the Company at its discretion and will depend on a variety of factors, including our assessment of the intrinsic value of the Company’s common stock, the market price of the Company’s common stock, general market and economic conditions, available liquidity, compliance with the Company’s debt and other agreements, applicable legal requirements, the nature of other investment opportunities available to the Company, and other considerations. The Company is not obligated to purchase any shares under the repurchase program, and the program may be suspended, modified, or discontinued at any time without prior notice. The Company expects to fund the repurchases by using cash on hand and expected free cash flow to be generated in the future. **Forward-Looking Statements** All statements in this press release (and oral statements made regarding the subjects of this press release) other than historical facts are forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements rely on a number of assumptions concerning future events and are subject to a number of uncertainties and factors that could cause actual results to differ materially from such statements, many of which are outside the control of Abacus. Forward-looking information includes but is not limited to statements regarding: Abacus’s financial and operational outlook; Abacus’s operational and financial strategies, including planned growth initiatives and the benefits thereof, Abacus’s ability to successfully effect those strategies, and the expected results therefrom. These forward-looking statements generally are identified by the words “believe,” “project,” “estimate,” “expect,” ‎‎”intend,” “anticipate,” “goals,” “prospects,” “will,” “would,” “will continue,” “will likely result,” and similar expressions (including the negative versions of such words or expressions). While [Abacus](https://abacuslifesettlements.com/) believes that the assumptions concerning future events are reasonable, it cautions that there are inherent difficulties in predicting certain important factors that could impact the future performance or results of its business. The factors that could cause results to differ materially from those indicated by such forward-looking statements include, but are not limited to: the impact of the stock repurchase plan on the trading price, volume and public float of the Company’s common stock and the trading price and exercise of the Company’s warrants exercisable for shares of the Company’s common stock; the ‎fact that Abacus’s loss reserves are bases on estimates and may be inadequate to cover ‎its actual losses; the failure to properly price Abacus’s insurance policies; the ‎geographic concentration of Abacus’s business; the cyclical nature of Abacus’s industry; the ‎impact of regulation on Abacus’s business; the effects of competition on Abacus’s business; the failure of ‎Abacus’s relationships with independent agencies; the failure to meet Abacus’s investment ‎objectives; the inability to raise capital on favorable terms or at all; the ‎effects of acts of terrorism; and the effectiveness of Abacus’s control environment, including the identification of control deficiencies. These forward-looking statements are also affected by the risk factors, forward-looking statements and challenges and uncertainties set forth in documents filed by Abacus with ‎the U.S. Securities and Exchange Commission from time to time, including the Annual ‎Report on Form 10-K and Quarterly Reports on Form 10-Q and subsequent ‎periodic and current reports. These filings identify and address other important risks and uncertainties that could cause actual events and results to differ materially from those contained in the forward-looking statements. Abacus cautions you not to place undue reliance on the ‎forward-looking statements contained in this press release. Forward-looking statements speak only as of the date they are made. Readers are cautioned not to put undue reliance on forward-looking statements, and Abacus assumes no obligation and, except as required by law, does not intend to update or revise these forward-looking statements, whether as a result of new information, future events, or otherwise. Abacus does not give any assurance that it will achieve its expectations. **About Abacus** [Abacus](https://abacuslifesettlements.com/) is a leading vertically integrated alternative asset manager and market maker, specializing in longevity and actuarial technology. The company is democratizing the life insurance space through three groundbreaking new channels: ABL Tech, ABL Wealth, and ABL Longevity Funds. Since 2004, Abacus has purchased life insurance policies from consumers seeking liquidity and has actively managed those policies over time (via trading, holding, and/or servicing). With over $4.6BN in face value of policies purchased, we have helped thousands of clients maximize the value of life insurance. Abacus Life is the only public life settlement company, trading on the Nasdaq Exchange under the ticker symbol ABL. Over the past 19 years, the company has built an institutionalized origination and portfolio management process that is supported by a 95+ person team, long-term relationships with 78 institutional partners and 30,000 financial advisors, and the ability to operate in 49 states. The Company complies with HIPAA and privacy laws to maintain and protect confidentiality of financial, health, and medical information. Abacus is also proud to be a BBB Accredited Business with an A+ rating. Contact: Abacus Life Investor Relations [investors@abacuslife.com](https://www.globenewswire.com/Tracker?data=Nqdw4LmneT_lLFgYiU6cDhrMyirgWPL2Ag0hlu_vX5kULAEmMM30xgV0EUJvPedcNc4znIBen5Y9oK771FsF1T4S0TBfR2ayeG-hBWD2tGSDAjRADjbAzxWBvpniaGSUTRQjX2cYNkYxRGorokL1rgmKwNC6NsS8fpsOIcS6u5KP71TIW1ubajAfs_E65SfGMPfEuP-jv3Ny23373diuPZXFTz85yPMiVaGalYzV-6tNRGRgT4m9AJtl_nSr-LkyyW7aYkBtNTmgSIAL31YbOw==) Abacus Life Public Relations [press@abacuslife.com](https://www.globenewswire.com/Tracker?data=k2eEme01HOjLLMy4aQE7GMJBaUxJn-D4KEVasFD46ZmE1YqENMstk6j2hNPwYxiXvCzwXBG_EUMXlmV7QzuEP8fJs52Ua5LlR9X68eLZX2lYhL2wqylrMnRDDq8aCBgDxhGdc2XX-BwlWnbzLe2brEKximFGC-VTjvrboloA-KtdoUz86dHS0tjxqqf8GWPmwKLm1URQraV3SCXT-ul6inWp-zJrOcWUY8m_2hWXvWjos8C-K2Puluj-KKGdAJmaLkzeuMPyqK6uYv2DI20UDQ==) Read the full article and source [here](https://www.einnews.com/pr_news/680046260/abacus-life-repurchases-1-9-million-of-stock-in-first-30-days-of-program). **Categories:** Life Settlement Blog --- ### [Abacus Life Announces $15 Million Stock Repurchase Program](https://abacuslifesettlements.com/abacus-life-announces-15-million-stock-repurchase-program/) **Published:** December 12, 2023 **Author:** Admin **Content:** Source: **[Read Full Article Here](https://seekingalpha.com/pr/19564548-abacus-life-announces-15-million-stock-repurchase-program?hasComeFromMpArticle=false)** ORLANDO, Fla., Dec. 12, 2023 (GLOBE NEWSWIRE) — **[Abacus Life](https://abacuslifesettlements.com/)**, Inc. (NASDAQ: ABL) (“Abacus” or the “Company”), a leading buyer of life insurance policies and vertically integrated alternative asset manager specializing in specialty insurance products, announced today that its Board of Directors has authorized a new stock repurchase program of up to $15 million of the Company’s outstanding common stock over a period of up to 18 months. “We are pleased that our Board of Directors has authorized a stock repurchase program, which reflects our Board’s continued confidence in our proven business model and wealth of opportunities, as well as the strength of our balance sheet,“ stated Jay Jackson, Chairman and Chief Executive Officer of Abacus. “We believe our expert team, wealth of data and innovative technology continue to position us well to execute on our strategic growth initiatives, generate sustained profitability, and ultimately create long-term value for our shareholders.” During the pendency of the stock repurchase program, the Company may repurchase shares from time to time through various methods, including in open market transactions, block trades, accelerated share repurchases, privately negotiated transactions, derivative transactions or otherwise, certain of which may be made pursuant to a trading plan meeting the requirements of Rule 10b5-1 under the **[Securities Exchange Act of 1934](https://www.law.cornell.edu/wex/securities_exchange_act_of_1934)**, as amended, in compliance with applicable state and federal securities laws. The timing, as well as the number and value of shares repurchased under the program, will be determined by the Company at its discretion and will depend on a variety of factors, including our assessment of the intrinsic value of the Company’s common stock, the market price of the Company’s common stock, general market and economic conditions, available liquidity, compliance with the Company’s debt and other agreements, applicable legal requirements, the nature of other investment opportunities available to the Company, and other considerations. The Company is not obligated to purchase any shares under the repurchase program, and the program may be suspended, modified, or discontinued at any time without prior notice. The Company expects to fund the repurchases by using cash on hand and expected free cash flow to be generated in the future. Forward-Looking Statements All statements in this press release (and oral statements made regarding the subjects of this press release) other than historical facts are forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements rely on a number of assumptions concerning future events and are subject to a number of uncertainties and factors that could cause actual results to differ materially from such statements, many of which are outside the control of Abacus. Forward-looking information includes but is not limited to statements regarding: Abacus’s financial and operational outlook; Abacus’s operational and financial strategies, including planned growth initiatives and the benefits thereof, Abacus’s ability to successfully effect those strategies, and the expected results therefrom. These forward-looking statements generally are identified by the words “believe,” “project,” “estimate,” “expect,” ‎‎”intend,” “anticipate,” “goals,” “prospects,” “will,” “would,” “will continue,” “will likely result,” and similar expressions (including the negative versions of such words or expressions). While Abacus believes that the assumptions concerning future events are reasonable, it cautions that there are inherent difficulties in predicting certain important factors that could impact the future performance or results of its business. The factors that could cause results to differ materially from those indicated by such forward-looking statements include, but are not limited to: the impact of the stock repurchase plan on the trading price, volume and public float of the Company’s common stock and the trading price and exercise of the Company’s warrants exercisable for shares of the Company’s common stock; the ‎fact that Abacus’s loss reserves are bases on estimates and may be inadequate to cover ‎its actual losses; the failure to properly [**price Abacus’s insurance policies**](https://abacuslifesettlements.com/qualify-a-life-settlement/); the ‎geographic concentration of Abacus’s business; the cyclical nature of Abacus’s industry; the ‎impact of regulation on Abacus’s business; the effects of competition on Abacus’s business; the failure of ‎Abacus’s relationships with independent agencies; the failure to meet Abacus’s investment ‎objectives; the inability to raise capital on favorable terms or at all; the ‎effects of acts of terrorism; and the effectiveness of Abacus’s control environment, including the identification of control deficiencies. These forward-looking statements are also affected by the risk factors, forward-looking statements and challenges and uncertainties set forth in documents filed by Abacus with ‎the U.S. Securities and Exchange Commission from time to time, including the Annual ‎Report on Form 10-K and Quarterly Reports on Form 10-Q and subsequent ‎periodic and current reports. These filings identify and address other important risks and uncertainties that could cause actual events and results to differ materially from those contained in the forward-looking statements. Abacus cautions you not to place undue reliance on the ‎forward-looking statements contained in this press release. Forward-looking statements speak only as of the date they are made. Readers are cautioned not to put undue reliance on forward-looking statements, and Abacus assumes no obligation and, except as required by law, does not intend to update or revise these forward-looking statements, whether as a result of new information, future events, or otherwise. Abacus does not give any assurance that it will achieve its expectations. [**About Abacus**](https://abacuslifesettlements.com/about-us/) Abacus is a leading vertically integrated alternative asset manager and market maker, specializing in longevity and actuarial technology. The company is democratizing the life insurance space through three groundbreaking new channels: ABL Tech, ABL Wealth, and ABL Longevity Funds. Since 2004, Abacus has purchased life insurance policies from consumers seeking liquidity and has actively managed those policies over time (via trading, holding, and/or servicing). With over $4.6BN in face value of policies purchased, we have helped thousands of clients maximize the value of life insurance. Abacus Life is the only public life settlement company, trading on the [**Nasdaq Exchange**](https://www.nasdaq.com/) under the ticker symbol ABL. Over the past 20+ years, the company has built an institutionalized origination and portfolio management process that is supported by a 100+ person team, long-term relationships with 78 institutional partners and 30,000 financial advisors, and the ability to operate in 49 states. The Company complies with HIPAA and privacy laws to maintain and protect confidentiality of financial, health, and medical information. Abacus is also proud to be a [**BBB Accredited Business**](https://www.bbb.org/us/fl/orlando/profile/insurance-services-office/abacus-settlements-llc-0733-90405122) with an A+ rating. [www.Abacuslife.com](https://www.globenewswire.com/Tracker?data=lyeqIYZFXLn3zHghDa5nyojZnzQ8LIDirAhpwmpERNcvbc8sigB5g0L6as3v-MDJcbl_3HJ6gUvBUsTCDqv-E5WAk8C298MNdFwWS6h_xos=) Contact: Abacus Life Investor Relations [investors@abacuslife.com](https://www.globenewswire.com/Tracker?data=_jCFPaG8pg3E5V9G5q5hMPZ7V--28Ha4ZSUt86JPzLQfHBSUqZaQcRU91fseVMOCO54Q507_A-ckXkD0pWRJA49FmJFWfkfiuR3BbqEnZyY=) Abacus Life Public Relations [press@abacuslife.com](https://www.globenewswire.com/Tracker?data=ka1NeaVlpyl0jmKBU1Q9a0D17JUgTD9H0mMU4sb0P1K2K6KYDs1iMeqL4FKt0RGThBopzD-t5W6vnwrkJCaxfOvLOyFkBclych0AoYqM4u_7CCr3Tb0RSfMuiXErMnwxXbg16GYgMAvBw8TyHtRM8nZ0ZJefSPHWD0tBIpZKsdo86VYOLneO-hXfqOwF2ybof8EujxAL7uFYwCPtJoEFWhe-5sVO0Dc3kWmqfVsYRp87gDJuPNs4AXCRAW0SfgX9GTdztIneNtYPbGY-2mvyuw==) **Categories:** Life Settlement Blog --- ### [Unlocking the Financial Potential of Life Settlements](https://abacuslifesettlements.com/unlocking-the-financial-potential-of-life-settlements/) **Published:** December 6, 2023 **Author:** Admin **Content:** ## Unlocking the Financial Potential of Life Settlements In the dynamic realm of investments, seniors are uncovering a distinctive path to enhance their financial well-being, while investors are identifying a compelling asset class—[**life settlements**](https://abacuslifesettlements.com/learn-how-life-settlements-work/). This financial strategy involves the sale of a life insurance policy to a third party, providing seniors with a lump sum greater than the surrender value but less than the death benefit. At [**Abacus Life**](https://abacuslifesettlements.com/about-us/), we not only explore the mutual relationship between seniors seeking financial flexibility and investors eyeing diversified, low-risk opportunities but also stand ready to guide you through this journey. **The Roots of Life Settlements** The roots of life settlements delve into a landmark 1911 Supreme Court decision, [**Grigsby vs Russell**](https://abacuslifesettlements.com/timeline-of-life-settlements/). This ruling affirmed the right of policyholders to sell their life insurance policies to third parties, birthing the concept of life settlements. Over the years, this alternative asset class remained discreet, known primarily through private transactions. **A Turning Point: The AIDS Epidemic** The 1980s marked a turning point for life settlements, triggered by the AIDS epidemic. Shorter lifespans and expensive treatments gave rise to a secondary market for life insurance policies, known as “[**viatical settlements**](https://abacuslifesettlements.com/viatical-settlement/).” Investors seized the opportunity, acquiring policies from brokers. However, this period faced challenges due to inaccurate life expectancy estimates and the lack of governmental oversight. **Modernizing the Asset Class** By the 1990s, regulatory measures were implemented to address concerns, leading to the securitization of policy portfolios. This rejuvenated interest in the asset class, now recognized as “senior life settlements” or the “longevity-linked asset class.” Today, life settlement investment funds constitute a distinct asset class, contributing to the financial landscape’s diversity. **Current Landscape and Growth** Despite market fluctuations induced by the COVID-19 pandemic, the life settlement industry witnessed growth in 2022, driven by consumer demand for additional income sources and investor interest in alternative assets. With an estimated 10,000 baby boomers reaching retirement age daily, the supply of settled policies continues to expand. **Benefits and Risks of Life Settlement Investments** Investors are drawn to life settlements for several reasons: - **Diversification:** Life settlements operate independently of traditional markets and asset classes. - **Predictable Returns:** Investors know the exact returns upfront, offering financial clarity. - **Potential for Attractive Returns:** Life settlements present the potential for 10% or more annual fixed returns with relatively low risk. - **Maturity Payout:** Upon maturity, the payout comes from highly rated U.S. life insurance companies. - **Flexibility in Funding:** Both qualified and non-qualified funds can be used for investment, aiding in retirement income planning. At Abacus Life, we understand that navigating the intricate world of life settlements requires expertise and personalized guidance. Our team stands ready to assist you, providing insights tailored to your unique situation. Whether you’re a senior exploring financial options or an investor seeking a diversified and reliable asset, Abacus Life is your trusted partner. Call us at **[1-800-561-4148](tel:1-800-561-4148)** or visit our **[website](https://abacuslifesettlements.com/)** for personalized insights and expert assistance. Because at Abacus Life, we don’t just offer life settlements; We are committed to serving you with the utmost confidentiality, transparency, and urgency you deserve. **Categories:** Life Settlement Blog --- ### [Abacus to Seed Its Wealth Division Via RIA Acquisitions](https://abacuslifesettlements.com/abacus-to-seed-its-wealth-division-via-ria-acquisitions/) **Published:** December 4, 2023 **Author:** Admin **Content:** Source: [**Read Full Article Here**](https://www.wealthmanagement.com/ria-news/abacus-seed-its-wealth-division-ria-acquisitions) [**Diana Britton**](https://www.wealthmanagement.com/author/Diana-Britton) \| Nov 30, 2023 [**Abacus Life**](https://abacuslifesettlements.com/about-us/), a publicly traded alternative asset originator and manager that specializes in life insurance products, recently launched a wealth management division, [**ABL Wealth**](https://ablwealth.com/), with the support of Dynasty Financial Partners. Now, the firm plans to seed that offering by acquiring and rolling up registered investment advisors under the ABL Wealth brand and provide those advisors with leads from both the inquiries the company receives and cash payouts from its life settlements business. ABL Wealth currently has no advisors or assets, but Abacus Life President and CEO Jay Jackson said he expects to make an acquisition in the first half of 2024. The firm is utilizing **[Dynasty’s investment bank](https://www.wealthmanagement.com/ria-news/dynasty-financial-partners-launches-investment-bank)**, not for financing, but rather its expertise and knowledge around the acquisition process. The firm is also currently building out in-house support and operations for those RIAs, and has several job postings surrounding that, including for a business development officer, operations associate and client service associate. The new unit will target clients who have accessed liquidity from their life insurance policies with financial planning and investment management services. The division will be based in Orlando, Fla., and it will help clients invest policy proceeds or other assets into custom portfolios. It will also provide retirement planning and risk management. “We’ll pay out to individual policyholders hundreds of millions of dollars per year out of this office,” Jackson said. “We create a significant amount of wealth. And many times, those individuals don’t have a financial advisor, and they’re asking us, ‘Hey, do you have any ideas or recommendations on what to do with this quarter of a million or $1 million that you just paid us in liquidity for our policy?’ And having those financial solutions is really a very natural transition for us.” Nine out of 10 policies never pay a claim, Jackson said, not because the insurance company challenges the policy, but because people stop paying on it. Rather than letting it lapse, or having to continue to pay premiums on those, clients can sell to Abacus, who will pay out 22% to 24% of a life insurance policy’s face value, on average. In addition, Jackson said his firm is getting 10,000 inquiries a month from individuals who may not qualify to sell their policy but have other financial service’s needs. These leads are, on average, over age 55 and have $1 million of net worth. Jackson believes his firm is sitting on a big differentiator from other wealth management practices, and that is using lifespan and longevity data of individuals to help determine the valuation of their life insurance policies. “For the last 20 years, we’ve been aggregating lifespan data by re-underwriting seniors and getting a much clearer understanding of the impact of their lifestyle, but also their current impairments, their family history, their genetics, to give a more accurate lifespan,” he said. Abacus wants to take that lifespan data and apply it to financial planning. “We can actually give you a better idea of how you should be planning for retirement based upon understanding what your actual time in retirement’s going to be,” he added. That could be through an ETF or target-date fund that is more appropriate for that client, or it could be through Abacus’s own longevity-based investment products. For instance, Abacus recently filed with the Securities and Exchange Commission to launch its own fund, the ABL Longevity Growth and Income Fund, a publicly traded, 40 Act interval fund, which it expects to have approved in the first quarter of 2024. The fund will invest in these life insurance policies, and it will have a minimum investment of $10,000. It will have an income target of 6% and a targeted growth strategy of more than 8%. The advisors that Abacus acquires will become W-2 employees of the firm, and their company would operate as a subsidiary of ABL Wealth. Their earnouts would be related to the stock performance of the public company. “I think that is such a key separator versus some of the aggregators that are out there,” Jackson said. “We view this as a partnership that we’re going to grow the business together, and I’m actually providing you resources to grow your business, with both the inquiries and the cash payouts that we do. And in addition to that, you’re totally aligned with the company because we’re public day one.” Source: <https://www.wealthmanagement.com/ria-news/abacus-seed-its-wealth-division-ria-acquisitions> **Categories:** Press Releases, Settlement News --- ### [Do You Qualify for a Life Settlement Case with Abacus Life?](https://abacuslifesettlements.com/do-you-qualify-for-a-life-settlement-case-with-abacus-life/) **Published:** November 29, 2023 **Author:** Admin **Content:** Embarking on the transformative journey of a life settlement opens the door to unlocking hidden value within your life insurance policy, and at [Abacus Life](https://abacuslifesettlements.com/), we strive to simplify this intricate process. In considering whether you qualify for a life settlement case, several key aspects come into play. Firstly, understanding the insured is paramount. While the typical age range for prospects is 65 and above, we acknowledge the uniqueness of each case. Younger policyholders under 65 can also explore life settlements if they grapple with severe and predictable health issues, such as cancer or heart disease. In terms of the evaluation of the policy, we find that universal life insurance and convertible term life are particularly attractive to investors in the life settlement market. Interestingly, term policies, especially if convertible, are often underestimated, emerging as excellent prospects and bringing forth “found” money without cash surrender value. Lastly, assessing the situation is crucial. A [life settlement](https://abacuslifesettlements.com/learn-how-life-settlements-work/) should serve as an alternative to policy termination, addressing scenarios like term policies nearing expiry. By unveiling the potential of convertible term policies, a life settlement can be a financial game-changer. In retirement, policies bought for income replacement may become obsolete or financially burdensome. Life settlements offer an avenue to inject financial flexibility during this crucial phase. Affordability crossroads are also a consideration, especially with fluctuating interest rates that may catch policy owners off guard with unexpected premium hikes. Facing long-term and expensive medical care due to chronic illness, life settlements can serve as a crucial financial resource. Changes in estate taxes might also affect the necessity of policies bought for this reason, making it essential to balance the actual need with the preference for a simplified insurance portfolio. Finally, in business transitions, policies once essential for buy-sell agreements or liquidity planning may now become redundant. Business owners can find relief in unlocking tied-up capital for new ventures or personal endeavors. Understanding these dynamic elements—comprehending the insured, dissecting the policy, and navigating the situation—positions you to explore life settlement opportunities. At Abacus Life, we pioneer transparent and client-centric solutions, ensuring that every policyholder maximizes the latent value within their life insurance. For personalized insights and to embark on your unique life settlement journey, connect with the Abacus Life team today. Call us at [1-800-561-4148](tel:+18005614148) or visit our website [here](https://abacuslifesettlements.com/). *Please note that these insights offer general information, and for tailored advice, we recommend consulting with our experts at Abacus Life.* **Categories:** Life Settlement Blog --- ### [Seeking Alpha Reports: "Abacus Life: Have They Cracked Life Settlements?"](https://abacuslifesettlements.com/seeking-alpha-reports-abacus-life-have-they-cracked-life-settlements/) **Published:** November 14, 2023 **Author:** Admin **Content:** Source: [Seeking Alpha](https://seekingalpha.com/article/4651521-abacus-life-have-they-cracked-life-settlements?mailingid=33360296&messageid=2800&serial=33360296.263&utm_campaign=rta-stock-article&utm_medium=email&utm_source=seeking_alpha&utm_term=33360296.263) ## Summary - Abacus Life Settlements has emerged as a profitable opportunity in the SPAC wreckage, trading down about 35% since its merger. - Abacus operates differently from its predecessor, Emergent Capital, by originating policies and selling them to investors or its subsidiary. - Abacus has a proven track record of generating significant returns on investment and has attracted capital from major firms like KKR and Apollo. Among the wreckage of 2021-era SPACs, an interesting, profitable opportunity has emerged. Abacus Life (NASDAQ:[ABL](https://seekingalpha.com/symbol/ABL?hasComeFromMpArticle=false&source=content_type%253Areact%257Csection%253Amain_content%257Cbutton%253Abody_link "Abacus Life, Inc.")) (NASDAQ:[ABLLW](https://seekingalpha.com/symbol/ABLLW?hasComeFromMpArticle=false&source=content_type%253Areact%257Csection%253Amain_content%257Cbutton%253Abody_link "Abacus Life, Inc. WT EXP 063028")) deSPAC’d this summer as a three-way merger between Abacus Settlements, Longevity Market Assets, and East Resources Acquisition Company, trading down about 35% since the merger. For the uninitiated, the life settlements business has not fared well in the public markets, and the recent flop Emergent Capital ([OTCPK:EMGCQ](https://seekingalpha.com/symbol/EMGCQ?hasComeFromMpArticle=false&source=content_type%253Areact%257Csection%253Amain_content%257Cbutton%253Abody_link "Emergent Capital, Inc.")), the artist formerly known as Imperial Holdings, left many with a bad taste in their mouth. I think Abacus may have cracked the code on this business, and I wish to share some of the key differences in their business model. ## Legacy Businesses For more color on Emergent Capital, check out the old pitches on [Seeking Alpha](https://seekingalpha.com/symbol/EMGCQ/analysis?hasComeFromMpArticle=false&source=content_type%253Areact%257Csection%253Amain_content%257Cbutton%253Abody_link "https://seekingalpha.com/symbol/EMGCQ/analysis") and Value Investors Club. The “business” was essentially [a pile of ~600 life insurance policies](https://seekingalpha.com/article/4138648-emergent-capital-follow-cash-flows?hasComeFromMpArticle=false&source=content_type%253Areact%257Csection%253Amain_content%257Cbutton%253Abody_link "https://seekingalpha.com/article/4138648-emergent-capital-follow-cash-flows") with an average maturity value of around $5m. The investment was predicated on enough policies maturing in the early years to cover the premium payments for the entire portfolio until maturities picked up speed and provided an investment return. This never happened and the equity got wiped out. What went wrong? - Maturities didn’t keep pace with the Emergent cost structure, and successive financing deals were completed on unattractive terms. This basket of static policies didn’t make much sense as a public company, given the uncertain timing of cash flow. - Emergent primarily owned Universal Life policies. This further complicated the story as premiums increased with time, exacerbating cash burn beyond initial estimates. - Skeptics rightly questioned Emergent’s ability to acquire a portfolio of policies with such high expected rates of return. Investors in this space need to understand the value added by a life settlement company or risk being the sucker at the table. ## Abacus Model [![Abacus Business Model](https://static.seekingalpha.com/uploads/2023/11/13/49574598-16999114910402877.png)](https://static.seekingalpha.com/uploads/2023/11/13/49574598-16999114910402877_origin.png) *Abacus Business Model (Abacus Investor Deck)* Abacus [buys AND sells policies](https://ir.abacuslifesettlements.com/static-files/316f5b85-4f0f-41fb-ac98-4a5b918efaf5 "https://ir.abacuslifesettlements.com/static-files/316f5b85-4f0f-41fb-ac98-4a5b918efaf5") and is not a static portfolio of held-to-maturity investments. Abacus originates a policy from a consumer, and then either sells the policy to a third-party investor or to their Longevity Market Assets subsidiary. They have scaled this business to be licensed in 49/50 states, successfully attracted capital from the likes of KKR ([KKR](https://seekingalpha.com/symbol/KKR?hasComeFromMpArticle=false&source=content_type%253Areact%257Csection%253Amain_content%257Cbutton%253Abody_link "Kohlberg Kravis Roberts & Co. L.P.")) and Apollo Global ([APO](https://seekingalpha.com/symbol/APO?hasComeFromMpArticle=false&source=content_type%253Areact%257Csection%253Amain_content%257Cbutton%253Abody_link "Apollo Global Management, Inc.")) in a separate JV (“Nova”), and have a proven track record of generating significant returns on investment. In terms of Abacus’s [financial statements](https://www.sec.gov/ix?doc=/Archives/edgar/data/1814287/000181428723000007/abl-20230630.htm "https://www.sec.gov/ix?doc=/Archives/edgar/data/1814287/000181428723000007/abl-20230630.htm"), revenue historically comes from two buckets of policies. Their trading basket, “Investment Method” policies that are intended to be resold within 12 months (think Available-for-Sale) and “Fair Value” policies that primarily remain on their books (think Held-to-Maturity). Revenues for the traded policies were recorded as the difference between the purchase value and the sale value. Revenues for the held-to-maturity policies are recorded as the change in fair value. For the first six months of 2023, they recorded $16.7m revenue from the traded (Investment Method) policies and $4.3m from the held (Fair Value) policies as follows: [![Abacus Investment Method Policies](https://static.seekingalpha.com/uploads/2023/11/13/49574598-1699911491063076.png)](https://static.seekingalpha.com/uploads/2023/11/13/49574598-1699911491063076_origin.png) *Abacus Investment Method Policies (Abacus 10-Q)* For the Fair Value policies, there was much less turnover, and policies are predominantly marked to the market to reflect changes in assumptions and experience. [![Abacus Fair Value Policies](https://static.seekingalpha.com/uploads/2023/11/13/49574598-16999114907929397.png)](https://static.seekingalpha.com/uploads/2023/11/13/49574598-16999114907929397_origin.png) *Abacus Fair Value Policies (Abacus 10-Q)* For the first six months of 2023, Abacus reported $21.6m of revenue, of which $21.0m was from these two segments, and $0.6m was from their small portfolio servicing segment, which manages policies for outside investors. This translates to $20.1m of gross profit and $14.8m of net income after corporate expenses. I want to take a minute to again highlight the differences from the Emergent Capital model. At first glance, you will see that Abacus had $38.4m of net cash used in operations for the first six months of 2023, suggesting they have the same cash flow issue as their ill-fated predecessor. However, Abacus invests as part of operating activities and was deploying cash during the first six months of the year. Net capital deployed was $50.9m, suggesting net income is a decent proxy for operating cash flow, ex movements in capital deployed. So, earnings should continue funding ongoing operations, and incremental capital should help accelerate earnings growth. Note – [starting in Q3](https://ir.abacuslifesettlements.com/news-releases/news-release-details/abacus-life-reports-third-quarter-2023-results "https://ir.abacuslifesettlements.com/news-releases/news-release-details/abacus-life-reports-third-quarter-2023-results"), Abacus has elected to standardize their reporting and only report policies using the Fair Value method. This will result in policies being marked to market every quarter and should result in fewer earnings surprises. ## Why Do They Exist? Now let us discuss their “edge”, starting with [an interview](https://www.sec.gov/Archives/edgar/data/1814287/000119312523174545/d518741ddefa14a.htm "https://www.sec.gov/Archives/edgar/data/1814287/000119312523174545/d518741ddefa14a.htm") CEO Jay Jackson did this summer: > Jay. So, I want to segue into your business model by pointing out that, in fact, if you buy a full life policy, the insurance company will say, “You know, you can come back and actually cash this in”. But I think what you told me yesterday is that you might be able to do even better than that. So maybe that’s a good segue into how Abacus works. > Jay Jackson: Right. So, what we do is we actually re-underwrite that case, and what we do is provide an actual market value. So what the life insurance company is providing you is effectively your cash back. Imagine if you went to sell your home and the only option of the person you could sell it to was the person you originally bought it from. What kind of offer would you get for that, or valuation would you expect to receive? > What we do is we re-underwrite that person, we get updated medical files, update their lifespan. We provide that lifespan data, which is incredibly valuable for people who are looking at other areas in their financial portfolio, how they could apply that, and then we say, “Okay, here’s your future premium cost over that time, here’s what an expected rate of return might be for that contract. Mr. or Mrs. Jones, that policy is worth significantly more. It could be worth significantly more than what the cash value is.” And that market value, on average, last year, Abacus paid out over eight times on average over their cash value. It’s an 8x, so it’s a significant rate of return, and that’s what makes it such a mutually beneficial transaction. A natural follow-up is, why don’t the life insurance companies cut out Abacus and do this themselves, which was also addressed in the interview: > Jay Jackson: We are actually licensed in every individual state to go and re-underwrite that person, understand what the fair market value is. And some of our largest investors now that want to repurchase these policies are in fact life insurance companies. Where they might want to optimize that book of business in a more thoughtful and intelligent way. So whether it’s life insurance companies, reinsurers, I think the next phase in expansion in what we do, and they can’t come in and adverse select their own book of business. They’re not licensed to do so, but we can. And the most important piece here is we’re still providing the fair market value to that policy holder. That policy holder has a decision. We tell them most of the time, almost every time, that, “Hey, your best decision here is to keep the policy. However, if your needs have truly changed, if this makes financial sense for you and this is suitable, then this is the right decision for you and your family. Here’s what today’s value is. Look, in 10 years, this might be worth the million dollars that you originally took it out for, but today it’s worth $300,000.” And from a life insurance company’s point of view, they’re willing to purchase that risk back at the current net present value, let’s say at $300, release their cash reserves, and this makes a very smart economic decision for their own balance sheet. In summary – Abacus is bridging the gap between the consumer and the insurance company, where insurance companies can’t go bid above market value to policyholders, but Abacus can. By working with Abacus, they can selectively reduce exposure to policies that have moved against them over time, and Abacus can earn a nice return working as a middleman: [![Abacus Originations](https://static.seekingalpha.com/uploads/2023/11/13/49574598-16999114911209717.png)](https://static.seekingalpha.com/uploads/2023/11/13/49574598-16999114911209717_origin.png) *Abacus Originations (Abacus Investor Deck)* ## So What? Using the above model, [Abacus has generated](https://ir.abacuslifesettlements.com/static-files/316f5b85-4f0f-41fb-ac98-4a5b918efaf5 "https://ir.abacuslifesettlements.com/static-files/316f5b85-4f0f-41fb-ac98-4a5b918efaf5") an impressive set of returns over the past several years: [![Abacus Track Record](https://static.seekingalpha.com/uploads/2023/11/13/49574598-16999114912504435.png)](https://static.seekingalpha.com/uploads/2023/11/13/49574598-16999114912504435_origin.png) *Abacus Track Record (Abacus Investor Deck)* Abacus seems to be demonstrating they can churn through traded policies at attractive return levels while holding onto policies where returns are most favorable. That said, there is an additional angle that makes the story even more interesting. Abacus came public via the East Resources Acquisition Company SPAC, spearheaded by Terry Pegula and initially destined to acquire an oil & gas business. The industry pivot resulted in [most shares being redeemed](https://ir.abacuslifesettlements.com/static-files/316f5b85-4f0f-41fb-ac98-4a5b918efaf5 "https://ir.abacuslifesettlements.com/static-files/316f5b85-4f0f-41fb-ac98-4a5b918efaf5") before deSPAC: [![Abacus Merger](https://static.seekingalpha.com/uploads/2023/11/13/49574598-16999114911602037.png)](https://static.seekingalpha.com/uploads/2023/11/13/49574598-16999114911602037_origin.png) *Abacus Merger (Abacus Investor Deck)* This somewhat hamstrung the business, as most of the cash was redeemed instead of remaining inside the business for deployment. It also resulted in a tiny outstanding float, with the vast majority of shares locked up for 12-24 months. There are also over 17m vestigial public warrants remaining from the redeemed shares and 8.9m private placement warrants, exercisable at $11.50/share. If Abacus receives cash from exercised warrants and deploys another ~$300m at their historical rates of return, it could add ~$60m of earnings to the business. With most of the insiders locked up and the warrants callable if shares trade above $18, I think this is an interesting possibility: [![Abacus Warrant Terms](https://static.seekingalpha.com/uploads/2023/11/13/49574598-16999114910665941.png)](https://static.seekingalpha.com/uploads/2023/11/13/49574598-16999114910665941_origin.png) *Abacus Warrant Terms (Abacus 10-Q)* Abacus is an interesting investment today, trading at a $400m market cap and 11x annualized EBITDA with solid historical investment returns. It becomes a very, very interesting investment if net income can more than double off the back of a capital injection from the warrants. ## Risks - In the event Abacus receives additional capital injections (like the [$35m of fixed senior notes](https://ir.abacuslifesettlements.com/static-files/549eb241-68e1-443a-9f7c-29f96e6425ec "https://ir.abacuslifesettlements.com/static-files/549eb241-68e1-443a-9f7c-29f96e6425ec") they have just raised) they may deploy at lower incremental returns on capital. Abacus likes to highlight how untapped the market is for their services, but there is a risk they have captured many of the most valuable opportunities in the market. - Because of the financial nature of Abacus and its position as a middleman purchasing and selling investments, there will always be a risk of “something” going sideways. I think their business model cracks the code where Emergent failed, but we may eventually learn of a fatal flaw in the Abacus business model as well. For example: - Abacus’s debt includes the following indexed private placement notes, some of which are indexed to the S&P 500. In the event of significant market moves, Abacus will have significantly divergent obligations under these notes. They are hedged via options, but this is something to be aware of: [![Abacus Debt](https://static.seekingalpha.com/uploads/2023/11/13/49574598-1699912295162317.png)](https://static.seekingalpha.com/uploads/2023/11/13/49574598-1699912295162317_origin.png) *Abacus Debt (Abacus 10-Q)* - These notes also include a $10m related-party Sponsor PIK Note and a $25m SPV note with 12% interest. I don’t see any evidence that these were done on adverse terms to Abacus, but I want to flag the unique debt situation for any prospective investors. Were Abacus to receive a significant portion of the capital from the warrants, these arrangements could be paid off or negotiated on better terms. The $35m senior notes were already used to pay off the Owl Rock Facility and lower the cost of capital. ## Conclusion Abacus Life appears to have carved out a niche in an industry with a difficult public company past. Their former JV and current results suggest they have built the business to thrive through difficult market environments and profit in the face of rapidly rising rates. Going forward, investors will learn if Abacus can effectively deploy incremental capital to earn attractive returns and grow their business. I like the unique business model and Management’s alignment and look forward to following their progress as the only public life settlement business. Editor’s Note: This article discusses one or more securities that do not trade on a major U.S. exchange. Please be aware of the risks associated with these stocks. Source: [Seeking Alpha](https://seekingalpha.com/article/4651521-abacus-life-have-they-cracked-life-settlements?mailingid=33360296&messageid=2800&serial=33360296.263&utm_campaign=rta-stock-article&utm_medium=email&utm_source=seeking_alpha&utm_term=33360296.263) **Categories:** Life Settlement Blog --- ### [The Deal Reports: "Abacus Launches Wealth Division"](https://abacuslifesettlements.com/15959-2/) **Published:** November 6, 2023 **Author:** Admin **Content:** Source: Donna Horowitz, *The Deal* **The life settlement provider is working with Dynasty Financial Partners.** [**Abacus Life Inc. (ABL)**](https://abacuslifesettlements.com/about-us/) said it launched a wealth advisory division with [**Dynasty Financial Partners**](https://dynastyfinancialpartners.com/). The Orlando, Fla.-based [**life settlement**](https://abacuslifesettlements.com/learn-how-life-settlements-work/) provider said Monday, Nov. 6, that it has joined forces with Dynasty, a platform for independent wealth managers in the U.S. [**ABL Wealth**](https://ablwealth.com/) plans to provide clients who seek liquidity from their life insurance policies with comprehensive lifespan-based financial planning and investment management services. The idea is to help clients better understand their longevity data to invest their policy proceeds or other assets into diversified, custom portfolios to achieve long-term financial goals. Clients also will be able to obtain retirement planning and risk management advice. “Over the past two decades, Abacus has built an extensive and proprietary lifespan database in concert with the deep client relationships we have developed, which has enabled us to establish valuable longevity-based liquidity options for life insurance policies and create $150 million of liquidity each year for our clients,” Abacus CEO Jay Jackson said in a statement. Using the firm’s lifespan data for prospective and current clients with financial planning and investment management services is the natural next step for Abacus, he said. “This launch is yet another illustration of how the independent wealth management space has truly exploded with growth,” Dynasty CEO Shirl Penney stated. Dynasty, based in St. Petersburg, Fla., is made up of 52 firms representing 330 advisers. The firm’s affiliated advisers oversee about $80 billion in assets under advisement. Dynasty has been in business for 14 years. It also has offices in Chicago and New York. Source: Donna Horowitz, *The Deal* \| <https://pipeline.thedeal.com/article/0000018b-a5ff-df83-a99b-f7ff66f60000/deal-news/life-settlements/abacus-launches-wealth-division> **Categories:** Life Settlement Blog --- ### ["Abacus Life Launches New Wealth Division – ABL Wealth – in Association with Dynasty Financial Partners"](https://abacuslifesettlements.com/abacus-life-launches-new-wealth-division-abl-wealth-in-association-with-dynasty-financial-partners/) **Published:** November 6, 2023 **Author:** Admin **Content:** Source:[ **Read Full Article Here**](https://www.globenewswire.com/news-release/2023/11/06/2774047/0/en/Abacus-Life-Launches-New-Wealth-Division-ABL-Wealth-in-Association-with-Dynasty-Financial-Partners.html) **Specializing in Utilizing Individual Lifespan Data to Provide Comprehensive Financial Planning Services** ORLANDO, Fla. and BOCA RATON, Fla., Nov. 06, 2023 (GLOBE NEWSWIRE) — **[Abacus Life](https://abacuslifesettlements.com/about-us/)**, Inc. (“Abacus” or the “Company”) (NASDAQ: ABL), a leading buyer of life insurance policies and vertically integrated alternative asset manager specializing in specialty insurance products, today announced the launch of its new wealth division, **[ABL Wealth](https://ablwealth.com/)**, powered by Dynasty Financial Partners, one of the country’s leading wealth management platforms for independent wealth management firms. Headquartered in Orlando, ABL Wealth will provide clients that currently seek liquidity from their life insurance policies with comprehensive lifespan-based financial planning and investment management services. The division will help clients better understand their personal longevity data in order for them to invest policy proceeds or other assets into diversified, custom portfolios to achieve their long-term financial goals. Additional services for clients to be provided by ABL Wealth will include retirement planning and risk management. “Over the past two decades, Abacus has built an extensive and proprietary lifespan database in concert with the deep client relationships we have developed, which has enabled us to establish valuable longevity-based liquidity options for life insurance policies and create $150 million of liquidity each year for our clients. Utilizing our incredible wealth of lifespan data to be able to provide prospective and current clients with complementary custom financial planning and investment management services is the natural next step forward for Abacus,” said Jay Jackson, Chief Executive Officer of Abacus. “With the ongoing support and expertise of Dynasty Financial Partners, we look forward to creating a valuable suite of services with a national footprint.” Shirl Penney, CEO of [**Dynasty Financial Partners**](https://dynastyfinancialpartners.com/), said: “This launch is yet another illustration of how the independent wealth management space has truly exploded with growth. Jay and the team are well-positioned to hit the ground running and we are thrilled to assist them to bring this unique offering to their client base. We look forward to supporting their strategic growth in the years to come.” Dynasty Financial Partners will be working with ABL Wealth to build their go-to-market strategy and will provide several services in support of its operations on a go-forward basis including Community, Practice Management, Marketing, Technology, OCFO, Compliance, and TAMP/Investments. Over the past 19 years, Abacus has serviced nearly $1 billion in life insurance policies and also has experience managing assets for large asset managers and third-party investment funds. Abacus receives approximately 10,000 inbound inquiries for its services per month. Dynasty Financial Partners is one of the top advisor liberators in the industry, helping advisors gain their independence while supporting them with tools to build better businesses and better care for their clients. Currently, 52 firms representing 330 advisors comprise the Dynasty network and the firm’s affiliated advisors oversee approximately $80 billion in assets under advisement. **About Abacus** Abacus is a leading vertically integrated alternative asset manager and market maker, specializing in longevity and actuarial technology. The company is democratizing the life insurance space through three groundbreaking new channels: ABL Tech, ABL Wealth, and ABL Longevity Funds. Since 2004, Abacus has purchased life insurance policies from consumers seeking liquidity and has actively managed those policies over time (via trading, holding, and/or servicing). With over $4.6BN in face value of policies purchased, we have helped thousands of clients maximize the value of life insurance. Abacus Life is the only public life settlement company, trading on the Nasdaq Exchange under the ticker symbol ABL. Over the past 20+ years, the company has built an institutionalized origination and portfolio management process that is supported by a 100+ person team, long-term relationships with 78 institutional partners and 30,000 financial advisors, and the ability to operate in 49 states. The company has serviced approximately $950 million in policies and has managed assets for large asset managers and third-party investment funds. Abacus has underwritten and valued approximately $520 million of policies on behalf of third parties. Abacus’ leadership team averages 20+ years of experience and have been innovators since the life settlements industry’s inception in the mid-90s. The company is a proud member of the Life Insurance Settlements Association (LISA) and complies with HIPAA and privacy laws to maintain and protect confidentiality of financial, health, and medical information. Abacus is also proud to be a [**BBB Accredited Business**](https://www.bbb.org/us/fl/orlando/profile/insurance-services-office/abacus-settlements-llc-0733-90405122) with an A+ rating. The Company is a proud member of the Life Insurance Settlements Association (LISA) and complies with HIPAA and privacy laws to maintain and protect confidentiality of financial, health, and medical information. Abacus is also proud to be a BBB Accredited Business with an A+ rating. [www.Abacuslife.com](https://www.globenewswire.com/Tracker?data=at8rT-Xt_P-q3LPaBeb2ajusyNjoIppZg1VIpE7pnnrjMdbv46Hmldxdcz85t2uJZT_SkDsk9CeqFrVGM5AvisFXIoIGqV6f7a_XVjQ-KfA= "www.Abacuslife.com") Contact: Abacus Life Investor Relations [investors@abacuslife.com](https://www.globenewswire.com/Tracker?data=fFrL4L4s99ls3agjQLZdSqX9rzZzDX3Vkhsd7Yg_gnHAHxKIIftmRSdItreY73t--mdihrszZA2I7f5d5btF4ebFuZ8TTawamF4s80HXEss= "investors@abacuslife.com") Abacus Life Public Relations [press@abacuslife.com](https://www.globenewswire.com/Tracker?data=uIDGrqjjuJj_Y8u7h9dn2bR2Ige4PUhKAJka8dif0ayqADzpVvkaJZq71fgcQ9MNroi_uzOrdKnW9yI7i8TYfrymoiWTll_ncSmTpv6tIts= "press@abacuslife.com") **Dynasty Financial Partners** Sally Cates [sallycates@dynastyfinancialpartners.com](https://www.globenewswire.com/Tracker?data=zKjsfPdWlqsjuOqFmU9v6N8eV20CHu_cLhNML-g5DexPQb6zcaTYhrHN9J2LHxUBQa0m6vFqNrblNg7AiA7sn9HdndU7Bz5RvFW9KmAsP3bQ03ayQh1-ZqJWU1fpzLAA-PDLEVyMIGlGwJFMzUPu1A== "sallycates@dynastyfinancialpartners.com")[](https://www.globenewswire.com/Tracker?data=taMLg9150oW10jyyKdW7JozZzmAXN9jkv8pMfjoD9ddWw8dJVGTY3oCIllsZXQJv5FVS693DzJbcvijNtIE3oP2LewhlNxXuzMYRJfXLsWk=)646-704-4500 Source:[ https://www.globenewswire.com/news-release/2023/11/06/2774047/0/en/Abacus-Life-Launches-New-Wealth-Division-ABL-Wealth-in-Association-with-Dynasty-Financial-Partners.html](https://www.globenewswire.com/news-release/2023/11/06/2774047/0/en/Abacus-Life-Launches-New-Wealth-Division-ABL-Wealth-in-Association-with-Dynasty-Financial-Partners.html) **Categories:** Life Settlement Blog --- ### [Abacus Life, Inc. Prices Public Offering of $31.0 Million 9.875% Notes Due 2028](https://abacuslifesettlements.com/abacus-life-inc-prices-public-offering-of-31-0-million-9-875-notes-due-2028/) **Published:** November 3, 2023 **Author:** Admin **Content:** ORLANDO, Fla., Nov. 03, 2023 (GLOBE NEWSWIRE) — Abacus Life, Inc. (“Abacus” or the “Company”) today announced that it has priced an underwritten public offering of $31.0 million in aggregate principal amount of its 9.875% notes due 2028 (the “Notes”). The Notes will bear interest at a rate of 9.875% per year. The Company has granted the underwriters an option to purchase up to an additional $4.65 million in aggregate principal amount of notes solely to cover overallotments, if any. The offering is expected to close on November 10, 2023, subject to customary closing conditions. Piper Sandler & Co., Ladenburg Thalmann & Co. Inc. and InspereX LLC are serving as joint book-running managers for the offering. A.G.P. / Alliance Global Partners is serving as co-manager for the offering. The Company expects to use the net proceeds from this offering to refinance outstanding debt with any remaining proceeds used for general corporate purposes. The Company intends to list the Notes on the Nasdaq Global Market® under the symbol “ABLLL” and to trade thereon within 30-days of the original issue date. Investors are advised to consider carefully the investment objective, risks and charges and expenses of the Company before investing. Locke Lord LLP acts as legal counsel to the Company, and Alston & Bird LLP acts as legal counsel to the underwriters. This press release does not constitute an offer to sell or the solicitation of an offer to buy, nor will there be any sale of, the Notes referred to in this press release in any state or jurisdiction in which such offer, solicitation or sale would be unlawful prior to the registration or qualification under the securities laws of such state or jurisdiction. A registration statement relating to these securities was filed and has been declared effective by the Securities and Exchange Commission (the “SEC”). The offering will be made only by means of a prospectus. Copies of the preliminary prospectus relating to the offering may be obtained for free by visiting the SEC’s website at [www.sec.gov](https://www.globenewswire.com/Tracker?data=yl0Em-qBegv9diOkcgTON-9Grl2-D0aABoCD0gdcv4LjFtLvRxtZL4De9SNvGxUSyKKhyoyH8Fx0u4agRpZDtg==) or from the underwriters by contacting: Piper Sandler & Co. by mail at 1251 Avenue of the Americas, 6th Floor, New York, NY 10020, or by email at [fsg-dcm@psc.com](https://www.globenewswire.com/Tracker?data=T9lKnktSMQY859eDvxpllM3iREQrVN1gSx0hQRNvlHVPtJnI6DAFJX1rHbmbngd9627hqncGhYgtAL6--h0b7A==). The preliminary prospectus contains a description of these matters and other important information about the Company and should be read carefully before investing. **About Abacus Life, Inc.** [Abacus](https://abacuslifesettlements.com/about-us/) is a leading vertically integrated alternative asset manager and market maker, specializing in longevity and actuarial technology. The Company is democratizing the life insurance space through three groundbreaking new channels: ABL Tech, ABL Wealth, and ABL Longevity Funds. Since 2004, Abacus has purchased life insurance policies from consumers seeking liquidity and has actively managed those policies over time (via trading, holding, and/or servicing). With over $4.6 billion in face value of policies purchased, we have helped thousands of clients maximize the value of life insurance. Abacus Life is the only public life settlement company, trading on the Nasdaq Exchange under the ticker [symbol ABL](https://ir.abacusgm.com/). Over the past 19 years, the Company has built an institutionalized origination and portfolio management process that is supported by a 95+ person team, long-term relationships with 78 institutional partners and 30,000 financial advisors, and the ability to operate in 49 states. The Company has serviced approximately $950 million in policies and has managed assets for large asset managers and third-party investment funds. Abacus has underwritten and valued approximately $520 million of policies on behalf of third parties. Abacus’ leadership team averages 20+ years of experience and have been innovators since the life settlements industry’s inception in the mid-90s. The Company is a proud member of the Life Insurance Settlements Association (LISA) and complies with HIPAA and privacy laws to maintain and protect confidentiality of financial, health, and medical information. Abacus is also proud to be a BBB Accredited Business with an A+ rating. **Forward-Looking Statements** This communication contains certain forward-looking statements within the meaning of the federal securities laws with respect to the proposed transaction, including statements regarding the anticipated benefits of the transaction, the future financial condition and performance of the Company and expected financial impacts of the transaction (including future revenue and pro forma enterprise value) and the platform and markets and expected future growth and market opportunities of Abacus. These forward-looking statements generally are identified by the words “believe,” “predict,” “project,” “expect,” “anticipate,” “estimate,” “intend,” “strategy,” “future,” “scales,” “representative of,” “valuation,” “potential,” “opportunity,” “plan,” “may,” “should,” “will,” “would,” “will be,” “will continue,” “will likely result,” and similar expressions or the negatives of these terms or variations of them. Forward-looking statements are predictions, projections and other statements about future events that are based on current expectations and assumptions and, as a result, are inherently subject to risks and uncertainties. These forward‐looking statements are provided for illustrative purposes only and are not intended to serve as, and must not be relied on by any investor as, a guarantee, an assurance, a prediction or a definitive statement of fact or probability. Actual events and circumstances are beyond Abacus’s control, are difficult or impossible to predict and may differ from assumptions. Many factors could cause actual future events to differ materially from the forward-looking statements in this communication, including but not limited to: (i) the risk that demand for Abacus’s life settlement and related offerings does not grow as expected, (ii) the ability of Abacus to retain existing customers and attract new customers, (iii) the potential inability of Abacus to manage growth effectively, (iv) the potential inability of Abacus to grow its market share of the life settlement industry or to achieve efficiencies regarding its operating model or other costs, (v) negative trends in the life settlement industry impacting the value of life settlements, including increases to the premium costs of life insurance policies, increased longevity of insureds, and errors in the methodology and assumptions of life expectancy reports, (vi) legal challenges by insurers relating to the validity of the origination or assignment of certain life settlements, (vii) the enforceability of Abacus’s intellectual property rights, including its trademarks and trade secrets, and the potential infringement on the intellectual property rights of others, (viii) Abacus’s dependence on senior management and other key employees, and (ix) the risk of downturns and a changing regulatory landscape in the industry in which Abacus operates. The foregoing list of factors is not exhaustive. Nothing in this communication should be regarded as a representation by any person that the forward-looking statements set forth herein will be achieved or that any of the contemplated results of such forward-looking statements will be achieved. You should carefully consider the foregoing factors and the other risks and uncertainties which will be more fully described in the documents filed by Abacus from time to time with the SEC. These filings identify and address other important risks and uncertainties that could cause actual events and results to differ materially from those contained in the forward-looking statements. Forward-looking statements speak only as of the date they are made. Readers of this communication are cautioned not to put undue reliance on forward-looking statements, and Abacus assumes no obligation and do not intend to update or revise these forward-looking statements, whether as a result of new information, future events, or otherwise. Abacus gives no assurance that it will achieve expectations. **Contacts:** Jeff Smith Director of Marketing [1-800-561-4148](tel:8005614148) \| jeff@abacuslife.com Abacus Life Investor Relations investors@abacuslife.com Abacus Life Public Relations press@abacuslife.com Source: <https://www.globenewswire.com/news-release/2023/11/03/2773142/0/en/Abacus-Life-Inc-Prices-Public-Offering-of-31-0-Million-9-875-Notes-Due-2028.html> **Categories:** Life Settlement Blog --- ### [5 Tips for Selling Your Life Insurance Policy](https://abacuslifesettlements.com/5-tips-for-selling-your-life-insurance-policy/) **Published:** October 27, 2023 **Author:** Admin **Content:** [**Life insurance policies**](https://abacuslifesettlements.com/life-insurance-options/), often overlooked as valuable assets, can provide a significant financial resource when circumstances call for it. [**Abacus Life**](https://abacuslifesettlements.com/about-us/), a leading buyer of life insurance policies, understands that your life insurance policy is a versatile financial tool that can be leveraged to secure your financial future. If you’re contemplating selling your life insurance policy, here are five essential tips to consider: ## Understand the Financial Benefits In 1911, the United States Supreme Court ruled that life [**insurance policies are personal property**](https://abacuslifesettlements.com/timeline-of-life-settlements/). This groundbreaking decision granted policyholders the right to consider various options for utilizing their policy as a financial asset. Common scenarios that prompt policyholders to explore selling their policies include: Affordability Concerns: Rising premiums due to market changes or poor policy performance can strain your budget. Unexpected financial challenges like mounting medical bills, legal issues, assisted living costs, or tax problems may also lead to difficulty in premium payments. In such cases, surrendering or lapsing the policy can result in the loss of all premium investments. [**Selling your policy**](https://abacuslifesettlements.com/learn-how-life-settlements-work/) through a life settlement can often yield a cash amount significantly higher than the policy’s surrender value. Changed Life Circumstances: As life unfolds, your insurance needs may change. Life events such as divorce, retirement, the elimination of an estate tax burden, or beneficiaries no longer requiring policy benefits may influence your decision to sell your policy. ## Timing Is Key Deciding when to sell your policy requires careful consideration and discussions with family and financial advisors. Specific standards, both in terms of the policy and the insured’s qualifications, must be met to proceed with a life settlement. To assess whether this is the right choice for you, speak to our live representatives at [**1-800-561-4148**](tel:1-800-561-4148). ## Evaluate Your Financial Goals When you’re contemplating selling your life insurance policy, it’s crucial to have a clear understanding of your financial objectives. Assess how the funds from the life settlement can align with your goals, whether it’s securing your retirement, addressing medical expenses, or pursuing new investment opportunities. Planning and prioritizing your financial needs will guide your decision-making process. ## Explore Policy Conversion Options When assessing your life insurance policy’s potential, don’t overlook the option of policy conversion. This feature allows you to transform your existing policy into a new one, which might better align with your current financial goals. It’s a way to make the most of your policy without necessarily opting for a life settlement. Consider how policy conversion can work in your favor. ##   ## Partner with Abacus Life As a leading buyer of life insurance policies, [**Abacus Life**](https://abacuslifesettlements.com/) is dedicated to ensuring you receive the maximum value from your policy. We provide a seamless and efficient experience, guiding you through every step of the process. To begin your life settlement journey, the first step is qualification. Find out if you qualify to sell your life insurance policy by using our simple **[online calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/)** or speaking with a settlement specialist at [**1-800-561-4148**](tel:1-800-561-4148). We are eager to assist you in making the most of your life insurance policy. **Categories:** Life Settlement Blog --- ### [Life Settlements: Abacus Life's Solution for Senior Long-Term Care](https://abacuslifesettlements.com/life-settlements-abacus-lifes-solution-for-senior-long-term-care/) **Published:** October 20, 2023 **Author:** Admin **Content:** For many seniors, [**life insurance policies**](https://abacuslifesettlements.com/life-insurance-options/) have accumulated cash value over the years, often overlooked and forgotten. [**Abacus Life**](https://abacuslifesettlements.com/about-us/) sheds light on this often-untapped resource. A [**life settlement**](https://abacuslifesettlements.com/learn-how-life-settlements-work/) can provide a lump sum of cash in exchange for the policy, and this can be a game-changer when preparing for retirement. Here are some reasons why you might consider selling your life insurance policy: **Supplemental Income for Retirement:** Retirement costs vary, but ensuring a comfortable retirement often requires a substantial nest egg. Selling a life insurance policy can provide additional funds for traveling, purchasing a new home, or enhancing one’s retirement lifestyle. **Long-Term Care Costs:** The increasing costs of long-term care, particularly in assisted living facilities, can be a major concern for seniors. Life settlements can provide the necessary financial assistance to afford comfortable housing care. **Medical Expenses:** When faced with significant medical expenses, individuals may consider selling their life insurance policy to cover the costs. Whether it’s funding assisted living, paying for cancer treatments, or covering other healthcare-related expenses, a life settlement can provide the necessary funds. **Reinvestment Opportunities:** Seniors may want to access the equity they’ve built in their life insurance policy to take advantage of better opportunities. This might include investing in a business, purchasing a new home, paying off debts or tax liabilities, acquiring an income-generating annuity, or exploring other financial opportunities that align with their current circumstances. **Changed Life Circumstances:** As life progresses, elders may find that they no longer need a life insurance policy or that the policy’s benefits are no longer necessary. Changes such as divorce, retirement, the absence of an estate tax burden, or beneficiaries no longer requiring the policy benefits can prompt the decision to sell. ### **What Types of Life Insurance Policies Qualify to Be Sold?** Abacus Life recognizes that almost all types of life insurance policies can qualify to be sold through a life settlement. While some policy types, such as universal life or other permanent policies, may be easier to qualify than others, all policies will be considered. This also includes whole and term life insurance policies that require more qualifications to be sold. To get started with the process of selling your life insurance policy, you’ll need to determine if you meet certain minimum qualifying factors, including owning a policy with a $100,000 or more death benefit. Policies generally qualify if you are over the age of 70, and a decline in health from when the policy was issued may increase your chances of qualifying. Keep in mind that each life settlement case is unique, so these factors should be considered as general guidelines. At [**Abacus Life**](https://abacuslifesettlements.com/), we are committed to guiding you through the entire process, ensuring you have a clear understanding of your options. From policy valuations and underwriting to cost and potential returns, we aim to provide you with the information needed to make the right decision for you and your family’s future. If you have any questions about qualification, fill out our **[Policy Value Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/)** or speak to an Abacus representative at [**1-800-561-4148**](tel:1-800-561-4148). We are happy to discuss all the options with you! **Categories:** Life Settlement Blog --- ### [The Deal Reports: "Pellegrino Joins Abacus Life After Leaving PBI"](https://abacuslifesettlements.com/the-deal-reports-pellegrino-joins-abacus-life-after-leaving-pbi/) **Published:** September 21, 2023 **Author:** Admin **Content:** ***Source: Donna Horowitz, The Deal*** **Vincent Pellegrino started a job as Vice President of Capital Markets this month.** Vincent Pellegrino is the new vice president of capital markets for [**Abacus Life Inc. (ABL)**](https://abacuslifesettlements.com/about-us/). He joined the Orlando, Fla.-based [**life settlement**](https://abacuslifesettlements.com/learn-how-life-settlements-work/) provider this month, according to his updated LinkedIn profile. “We are excited to have Vinnie join the team. He is a long-time industry veteran and brings a wealth of experience to our team,” Abacus CEO Jay Jackson said in an email. He said [**Abacus**](https://abacuslifesettlements.com/), which has filled two other executive positions recently, is up to 94 employees. The firm hired Christopher Romaine as general counsel earlier this month and Seth Miller as chief revenue officer in August. Pellegrino, who previously held other positions in the life settlement market, most recently was the new business development manager for Pension Benefit Information LLC for more than five years. PBI, an audit and address research firm that is part of Longevity Holdings Inc., recently faced a major data breach. In his position at PBI, Pellegrino’s profile said he helped pension funds stop over-payments, reduce fraud and find missing participants to help maintain solvency and compliance within their funds. Pellegrino was not immediately available for comment. He previously was director of business relations for Extropy Capital LLC, an asset manager for longevity-linked products, in the New York City area for one year starting in June 2017. He also was the director of the longevity markets group for Credit Suisse Group AG for almost six years through February 2012, where he negotiated the purchase of more than $3 billion in life insurance policies through financial advisers, his profile said. Pellegrino also held other positions at Prudential Financial Inc., VSP Capital Partners, Global Financial Distributors Inc., Premium Funding Group LLC and AIG Credit Corp., his profile said. ***Source: Donna Horowitz, The Deal \|** [**https://pipeline.thedeal.com/article/0000018a-b373-d521-adce-fbfb91fc0000/deal-news/life-settlements/pellegrino-joins-abacus-life-after-leaving-pbi**](https://pipeline.thedeal.com/article/0000018a-b373-d521-adce-fbfb91fc0000/deal-news/life-settlements/pellegrino-joins-abacus-life-after-leaving-pbi)* **Categories:** Life Settlement Blog --- ### [The Deal Reports: "Abacus Hires Romaine as General Counsel"](https://abacuslifesettlements.com/the-deal-reports-abacus-hires-romaine-as-general-counsel/) **Published:** September 12, 2023 **Author:** Admin **Content:** *Source: Donna Horowitz, The Deal* **The life settlement provider announced Christopher Romaine’s hiring on Sept. 11.** [**Abacus Life Inc. (ABL)**](https://abacuslifesettlements.com/about-us/), the No. 2 buyer in the life settlement market, said it has hired Christopher Romaine as its general counsel. The Orlando, Fla.-based [**life settlement**](https://abacuslifesettlements.com/learn-how-life-settlements-work/) provider said Monday, Sept. 11, it had retained Romaine to advise and serve on the firm’s executive leadership team. Abacus has consistently been the second biggest buyer in the secondary market, including last year with purchase of 487 policies with $769 million in face value, according to the annual survey by The Life Settlements Report based on information reported to state insurance departments. Romaine has 25 years of experience in global specialty insurance, financial services and corporate development. He previously worked at Fortegra, an insurance company, for 12 years and nine months, where he most recently held positions in Jacksonville, Fla., as executive vice president and general counsel, according to his LinkedIn profile. He also had been COO at Fortegra for two years. Before Fortegra, he was managing counsel at Toyota Financial Services for three years, counsel at MBNA America Bank NA for four years and an associate at Dow Lohnes PLLC for two years, his profile said. Romaine will work with Abacus’s leadership team to enhance its legal, compliance and other operations, the company said. “We’re thrilled to welcome Chris to the Abacus team to advise the company through our next phase of growth,” Abacus CEO Jay Jackson stated. “Chris has great experience working in the specialty insurance industry and Abacus is paving the path for transparency and enhanced education for life settlements.” Romaine stated that “Abacus is in a unique position as the only publicly traded life settlement company and I am looking forward to helping the company attain its exciting growth objectives.” [**Abacus**](https://abacuslifesettlements.com/) was privately owned until a de-SPAC closed on June 29th with East Resources Acquisition Co. (ERES) and the company went public on [**NASDAQ**](https://www.nasdaq.com/). It was trading at $7.79 a share at 3:36 p.m. Eastern Daylight Time on Monday, Sept. 11th, up 3.73% from $7.51 at the previous closing. At least several other companies in life settlements are publicly traded although one company is small, Sundance Strategies Inc., and life settlements are not a big part of much larger companies such as Apollo Global Management Inc. (APO), Blackstone Inc. (BX) and Owl Rock Capital Corp. (ORCC). GWG Holdings Inc. was publicly traded until it exited bankruptcy on Aug. 1 and now is in wind-down mode. *Source: Donna Horowitz, The Deal \| <https://pipeline.thedeal.com/article/0000018a-8586-d9f3-abff-95d6b89d0000/deal-news/life-settlements/abacus-hires-romaine-as-general-counsel>* **Categories:** Life Settlement Blog --- ### [The Deal Reports: "Former Transamerica Exec Joins Abacus Life"](https://abacuslifesettlements.com/the-deal-reports-former-transamerica-exec-joins-abacus-life/) **Published:** August 15, 2023 **Author:** Admin **Content:** **Source: Donna Horowitz, *The Deal* \|** [**https://pipeline.thedeal.com/article/00000189-f527-d331-a9ff-f7e733260000/deal-news/life-settlements/former-transamerica-exec-joins-abacus-life**](https://pipeline.thedeal.com/article/00000189-f527-d331-a9ff-f7e733260000/deal-news/life-settlements/former-transamerica-exec-joins-abacus-life) **Seth Miller is the new chief revenue officer at the life settlement provider.** Seth Miller, a former [Transamerica Life Insurance Co.](https://pipeline.thedeal.com/tdd/ViewCompany.dl?id=1881381) executive, is the new chief revenue officer of [Abacus Life Inc.](https://pipeline.thedeal.com/tdd/ViewCompany.dl?id=4973013) (ABL). The Orlando, Fla.-based life settlement provider, said Monday, Aug. 14, that Miller was hired to continue developing relationships with life insurance and wealth-management firms. He has 25 years of experience in financial services distribution and manufacturing, previously serving for three years as head of World Financial Group, which is part of Transamerica. He also was CEO of Transamerica Financial Advisors Inc. for seven years and held other leadership roles with the insurance company. “We’re excited to welcome Seth to the Abacus team and believe this marks an important step in bridging the gap between the life settlement industry, insurance carriers and wealth management institutions,” Abacus CEO [Jay Jackson](https://pipeline.thedeal.com/tdd/ViewPeople.dl?id=2057030) stated in the announcement. “Abacus continues to maintain positive relationships with life insurance carriers and our goal is to continue collaborating and expanding on these relationships with the help of Seth.” Miller said in the press release that “Abacus fills a unique need for financially savvy consumers as well as meeting a growing demand from larger institutions.” He added that “Abacus leads the way as the only public company of its kind.” The [company went public on Nasdaq June 29 in a de-SPAC](https://pipeline.thedeal.com/article/00000189-1c41-db52-a18f-dc599c7e0000/deal-news/life-settlements/abacus-closes-de-spac-with-east-resources) with East Resources Acquisition Co. (ERES). The chairman, CEO and president of East Resources was Terry Pegula, who owns the National Football League’s Buffalo Bills with his wife, Kim. **Source: Donna Horowitz, *The Deal* \|** [**https://pipeline.thedeal.com/article/00000189-f527-d331-a9ff-f7e733260000/deal-news/life-settlements/former-transamerica-exec-joins-abacus-life**](https://pipeline.thedeal.com/article/00000189-f527-d331-a9ff-f7e733260000/deal-news/life-settlements/former-transamerica-exec-joins-abacus-life) Want to learn more about our collaborative approach and how we’re shaping the future of wealth management? Reach out to our team at [800-561-4148](tel:8005614148) and explore[ how life settlements work](https://abacuslifesettlements.com/learn-how-life-settlements-work/ " how life settlements work"). **Categories:** Life Settlement Blog --- ### [How Could a Life Settlement Help Prepare for Retirement?](https://abacuslifesettlements.com/how-could-a-life-settlement-help-prepare-for-retirement/) **Published:** June 14, 2023 **Author:** Admin **Content:** In essence, a [**life settlement**](https://abacuslifesettlements.com/learn-how-life-settlements-work/) could help one prepare for retirement by providing a lump sum of cash in exchange for their life insurance policy that could be used to help fund the expenses that come along with retiring.  A few notable ways that a life settlement could help prepare one for retirement include: 1. **Unlocking the cash value:** If a life insurance policy has accumulated cash value, a life settlement offers access that value *now*, while the insured is still living, rather than later. Instead of surrendering the policy or allowing it to lapse, the insured can sell it to [**Abacus Life**](https://abacuslifesettlements.com/about-us/) for a lump sum payment that is often 4-6 times greater the cash surrender value. 2. **Supplementing retirement income:** The funds received from a life settlement can be used to supplement one’s retirement income. This additional cash infusion can help cover expenses, pay off debts, treat family, or support a desired lifestyle during one’s golden years. 3. **Eliminating premium payments:** By selling a life insurance policy through a life settlement to Abacus, one can eliminate the ongoing premium payments that would otherwise have to continue to be funded. This would inevitably free up cash that can be redirected towards other retirement desires, like purchasing another home or funding a grandchild’s college tuition. 4. **Flexibility in investment options:** Once the policy seller receives the lump sum from a life settlement, they have the flexibility to invest those funds as they see fit. They can choose investments that align with their retirement goals and risk tolerance, potentially earning a higher return on their money than if it remained tied up in a [**life insurance policy**](https://abacuslifesettlements.com/life-insurance-options/). 5. **Long-term care or medical expenses:** As one ages, there may be a need for long-term care or medical expenses. The funds obtained from a life settlement can be used to cover such costs, ensuring there are necessary financial resources to maintain a comfortable standard of living during retirement. [**Abacus Life**](https://abacuslifesettlements.com/) always recommends consulting one of our life settlement professionals to help assess whether a settlement is the right option for an insured, based on their unique circumstances. To get started with selling a life insurance policy, a few qualifying factors will need to be considered, such as: - Own a policy with a $100,000 or more in death benefit – anything less than that typically does not qualify, unless there are considerable health impairments - Life insurance policies generally qualify if you are over age 70 - A decline in health from the time when the policy was issued may help better your chances to qualify, but it is not necessary *Because each life settlement case is distinctive, these factors should only be seen as general guidelines; each case is unique.* To see if a policy qualifies for a life settlement and help prepare for retirement, utilize our unique **[Life Settlement Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/)** and speak to a representative at **[1-800-561-4148](tel:1-800-561-4148)**. Our ultimate goal here at Abacus Life is to help every single person learn the value of their life insurance policy. We work to educate seniors so they know and understand that their life insurance policy has a fair market value. Knowing the value of a life insurance policy is as important as knowing the value of a home, equity portfolio, or general finances. **Categories:** Life Settlement Blog --- ### [The Truth About Life Settlements: Debunking the Most Common Myths](https://abacuslifesettlements.com/debunking-common-misconceptions-about-life-settlements/) **Published:** May 23, 2023 **Author:** Admin **Content:** A **[life settlement](https://abacuslifesettlements.com/learn-how-life-settlements-work/)** can be the solution to many seniors’ financial troubles. Whether they need **[funding](https://abacuslifesettlements.com/your-life-insurance-policy-could-fund/)** for medical care, their policy is too expensive to maintain, life insurance is no longer needed, an unexpected expense arises, or they simply want extra money fund their **[retirement](https://abacuslifesettlements.com/3-ways-to-retire-on-your-own-terms/)**, a life settlement can provide a solution. With this being said, there are a few misconceptions about life settlements that may prompt doubt, due to the lack of awareness and education about the life settlements industry in general. The **[learning curve](https://abacuslifesettlements.com/frequently-asked-questions/)** for life settlements can be steep, but after gaining a foundational understanding of what a life settlement actually is will tremendously help insureds decide if this lucrative financial option is the right choice for them. Here at **[Abacus Life](https://abacuslifesettlements.com/about-us/)**, we work to debunk the common misconceptions about the life settlement industry so that seniors can be well-educated with the facts. A few of these misconceptions include: 1\. **Only terminally ill insureds qualify for a life settlement** *–* There are **[multiple types of life settlements](https://abacuslifesettlements.com/learn-how-life-settlements-work/)**. The specific type of settlement designed for those who are chronically or terminally ill is called a **[viatical settlement](https://abacuslifesettlements.com/viatical-settlement/)**, however, there are other types as well that apply to those who meet a **[brief list of criteria](https://abacuslifesettlements.com/can-i-sell-my-life-insurance-policy/)**. This criteria includes: insureds who own a policy with $100,000 or more in **[death benefit](https://abacuslifesettlements.com/retained-death-benefit-rdb/)**, and insureds who are 70 years of age or older. It is important to note that these factors are used as *general guidelines*, so it is best to reach out to us at Abacus to see if you qualify. Utilizing our **[Life Settlement Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/)** can provide you an instant quote to get the conversation started. 2\. **There are rules for how you can spend the money** – There are **[*never* any rules](https://abacuslifesettlements.com/your-life-insurance-policy-could-fund/)** or regulations in how you spend your life settlement payout. The money is completely yours, therefore, you can spend it however you desire. It is common for settlements to be used to cover medical treatments or assisted living costs, however, this is not a rule. Interested in taking a luxury vacation or purchasing a second home? A **[life settlement](https://abacuslifesettlements.com/your-life-insurance-policy-could-fund/)** can be used to turn these dreams into a reality. 3\. **There is no real difference in surrendering versus selling your policy** – This is absolutely *never* the case. At Abacus Life, we offer[ **approximately 6 times greater the cash surrender value**](https://abacuslifesettlements.com/never-surrender-your-policy-heres-why/) for life insurance policies. A life settlement will always offer more than the cash surrender value but less than the death benefit, providing an cash payout to insureds for their policies. If you qualify for a settlement, it is guaranteed that you will receive more from Abacus Life than you would by surrendering your policy back to the insurance company. A top priority for us at **[Abacus Life](https://abacuslifesettlements.com/about-us/)** is to spread awareness about the life settlement industry by providing all the facts up front, along with the benefits it can bring insureds. Reach out to our team at **[800-561-4148](tel:8005614148)** – we would be happy to walk you through the process and answer any questions you have. **Categories:** Life Settlement Blog --- ### [How Can I Utilize the Funds From My Life Settlement?](https://abacuslifesettlements.com/how-can-i-utilize-my-life-settlement-funds/) **Published:** March 21, 2023 **Author:** Admin **Content:** ### ***What is a Life Settlement?*** A[ **life settlement**](https://abacuslifesettlements.com/what-is-a-life-settlement/) is a financial transaction in which an individual sells their life insurance policy to a financial institution for a lump sum payment. The buyer of the policy becomes the new owner and beneficiary of the policy and assumes responsibility for paying the future premiums. In return, the seller receives a cash payment that is higher than the policy’s cash surrender value but lower than its death benefit. Life settlements are typically used by individuals who no longer need or can no longer afford their life insurance policy, or who prefer to receive a lump sum payment rather than continuing to pay premiums. Many times, seniors inquire about [life settlements](https://abacuslifesettlements.com/learn-how-life-settlements-work/) when seeking financial security in times of hardship. Whether the policy owner has fallen behind in payments, or experienced a lifestyle change affecting their personal finances, a life settlement can offer them a chance to financially recover. In some cases, seniors may resort to getting a life settlement because their spouse has passed away, and their children or heirs are self-sufficient, so they choose to utilize the cash *now*. Investors sometimes choose the settlement route because of the added advantages that come along with the process. Life settlements offer attractive rates of return, safety and stability, and is considered to be a “win-win” investment. ### ***So, what can a life settlement fund?*** Life settlement funds can be used for a variety of purposes, depending on your specific financial needs and goals. Here are some common ways that people use the funds from a life settlement: 1. **Paying off debts:** You may choose to use the funds to pay off high-interest debts, such as credit card balances, car loans, or personal loans. 2. **Covering healthcare expenses:** You may use the funds to cover healthcare expenses, including medical bills, long-term care costs, or assisted living fees. 3. **Investing:** You may choose to invest the funds in a new venture, a diversified portfolio of stocks and bonds, or other investment opportunities. 4. **Funding education:** You may use the funds to pay for college tuition or other educational expenses for yourself or a loved one. 5. **Enhancing retirement income:** You may use the funds to supplement your retirement income, allowing you to enjoy a more comfortable retirement. 6. **Making a large purchase:** You may use the funds to purchase a new home, a car, or other big-ticket items. It can be beneficial to work with a financial advisor to determine the best use of the funds from your life settlement, based on your individual circumstances and financial goals. **Above all, the funds obtained from a life settlement transaction can be spent entirely at your discretion—there are never any strings attached.** If you or someone you know could benefit from the life settlement financial option, never hesitate to reach out to [Abacus Life](https://abacuslifesettlements.com/), the leading buyer in amount paid out to policy sellers, at [**info@abacuslife.com**](mailto:info@abacuslife.com) or [**800-561-4148**](tel:8005614148). **Categories:** Life Settlement Blog --- ### [Selling a Life Insurance Policy: What You Need to Know About Life Settlements](https://abacuslifesettlements.com/can-i-sell-my-life-insurance-policy-2/) **Published:** December 5, 2022 **Author:** Admin **Content:** Unlike other insurance policies, life insurance is of little use while the policyholder is still living. Some may consider it to be an unnecessary expense for their financial situation, especially if the value of the policy is not as great as it once seemed. Other individuals find themselves overwhelmed with rising premium payments and are looking for alternative outlets. Thankfully, there are options to consider. The **[life settlement](https://abacuslifesettlements.com/learn-how-life-settlements-work/)** industry offers a lucrative route for those looking for a way out of their life insurance. A life settlement, by definition, is the financial transaction of an existing life insurance policy to a licensed life settlement buyer, like **[Abacus Life](https://abacuslifesettlements.com/about-us/)**, for more than its cash surrender value, but less than its death benefit. Your life insurance is considered *your* personal property, like your house or car, therefore you can sell it just like any other asset. A common misconception is that insurance policies belong to the insurance *company*, however, that is ***not*** the case; they belong to the *insured*. Knowing and utilizing the true value of your policy *today* can provide you many financial solutions, rather than until after you pass away. Therefore, to answer the aforementioned question—yes, you absolutely ***can*** sell your life insurance policy. Whatever the reason may be, whether the premiums become too expensive, money is needed to cover health related costs, other investment opportunities arise, or the beneficiaries no longer require the insurance payout, a settlement can provide a solution that offers a *much* higher payout than letting the policy surrender. The process of selling life insurance to Abacus Life is a very painless and simplified process. In order to get started, there are a few qualifying factors to take into consideration. A few to keep in mind include: 1\) The insured must own a policy with a $100,000 or more in death benefit. Anything less than $100,000 usually does not qualify, unless there are considerable health impairments. 2\) Generally, the insured must be at least 70 years of age. 3\) A decline in health from the time the policy was originally issued may help better your chances to qualify, but it is **not** necessary. **It is highly important to note that each life settlement case is distinctive, so** ***these factors should only be seen as general guidelines***. If you are curious to see if you could potentially qualify for a life settlement, reach out to an Abacus representative and we would be happy to talk through the qualifiers with you. Each case is unique, so your chance of qualification could be higher than you anticipated. If an insured has a terminal illness, they could qualify for a **[viatical settlement](https://abacuslifesettlements.com/viatical-settlement/)**. This type of settlement is designed specially for someone who is terminally or chronically ill, where they can can sell their life insurance policy at a discount from its **[face value](https://www.investopedia.com/terms/f/facevalue.asp)** for ready cash. In exchange for the cash, the seller of the life insurance policy relinquishes the right to leave the policy’s [**death benefit**](https://abacuslifesettlements.com/retained-death-benefit-rdb/) to a beneficiary of their choice—**[Abacus Life](https://abacuslifesettlements.com/learn-how-life-settlements-work)**. Usually, the insured uses this payout to cover their medical or treatment costs, however, they can utilize the payout in any way they desire. Abacus Life has formed a highly specialized team that works each day to help clients see their living benefit, and can work with you to find the most suitable settlement option for you and your personal situation. Selling your life insurance can open up the doors to financial freedom. Reach out to a member of our team directly at **[(800) 561-4148](tel:8005614148)** to begin the process, and utilize our specialized **[Abacus Life Settlement Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/)** to get an instant policy quote today. **Categories:** Life Settlement Blog --- ### [How Could a Life Settlement Help You After a Hurricane?](https://abacuslifesettlements.com/how-could-a-life-settlement-help-you-after-a-hurricane/) **Published:** October 10, 2022 **Author:** Admin **Content:** When hurricanes strike, the impact can be devastating—damaging homes, disrupting lives, and leaving communities with long recovery efforts. These storms often take a significant emotional and financial toll on those affected. While renter’s or homeowner’s insurance may cover some of the damage, it often falls short of addressing all the costs. As a result, many individuals are left searching for additional sources of financial support to rebuild and move forward. A route many individuals may not have considered is the option of a **[life settlement](https://abacuslifesettlements.com/learn-how-life-settlements-work/)**, which is the financial transaction of an existing life insurance policy to a licensed life settlements buyer for more than its cash surrender value, but less than its **[death benefit](https://www.investopedia.com/terms/d/deathbenefit.asp)**. The policy owner transfers ownership and beneficiary rights to an institutional investment fund, like **[Abacus Life Settlements](https://abacuslifesettlements.com/about-us/)**. The insured receives a lump-sum cash payment that can often be *4 to 6 times greater* than the **[cash surrender value](https://www.experian.com/blogs/ask-experian/what-is-cash-surrender-value/)** in exchange for transferring ownership to Abacus Life. The money belongs entirely to the policy seller and can be spent at their discretion. Life settlements can also be in the form of a paid-up death benefit. Life settlements could offer seniors some financial relief to repair the damages caused by these natural disasters. The minimum qualifications for a life settlement are as follows: - Own a life insurance policy with a $100,000 or more in death benefit—anything less than that typically does not qualify, unless there are considerable health impairments. - **[Life insurance policies](https://abacuslifesettlements.com/life-insurance-options/)** typically qualify if you are age 70 or older, or younger with considerable health impairments. - A decline in health from the time when the policy was issued may help better your chances to qualify, but it is not necessary. It is important to note that each life settlement case is distinctive, therefore, these aforementioned factors should only be used as general guidelines. It is always a good idea to reach out to a representative to discuss your specific case; a member of Abacus Life can enlighten you about the process at **[800-561-4148](tel:8005614148)**. You can get an instant policy value calculation by utilizing the Abacus Life Settlement Calculator **[here](https://abacuslifesettlements.com/qualify-a-life-settlement/)**. All you need to input is your full name, email, phone number, gender, age, policy amount, policy type, and determine your level of health based on our markers. Whether you need funds for hurricane disaster relief, or to cover medical bills, supplement your retirement or halt costly premium payments, a life settlement could be the answer. If you or someone you know could benefit from this lucrative financial option, feel free to reach out to the Abacus Life team and they will educate and walk you through the entire process. There is *never* any obligation to sell your policy. Abacus Life has been ranked #1 for percent paid per face value to policy sellers year-over-year. Abacus can be reached at **[800-561-4148](tel:8005614148)** or at **<info@abacuslife.com>**. **Categories:** Life Settlement Blog --- ### [How Grigsby v. Russell Paved the Way for Life and Viatical Settlements](https://abacuslifesettlements.com/1911-grigsby-vs-russell-supreme-court-ruling/) **Published:** July 13, 2022 **Author:** Admin **Content:** ***In 1911, life insurance was deemed personal property by the United States Supreme Court decision of Grigsby v. Russell, laying the early groundwork for life settlement options.*** ***The court stated that you have the legal right to sell your life insurance policy, just like you would for any other asset.*** The case began with John Burchard, the insured, needing money to fund a surgical operation. Burchard had recently purchased a life insurance policy and made two monthly premiums, but was late making third month premium. In a financial bind, Burchard formulated a deal with his surgeon, Dr. Grigsby. Burchard asked Grigsby to purchase his policy to fund the surgery. The policy was sold to him in consideration of $100 and Grigsby’s undertaking to pay the remaining premiums; and that Grigsby had no interest in the life of the insured (Burchard). Upon Burchard’s death, the policy’s death benefit would be paid to Grigsby. When Burchard passed away, his insurance company (Russell) sued Dr. Grigsby to claim the policy’s death benefit to his heirs. The argument was that Dr. Grigsby did not have an insurable interest because there was no familial or financial nexus between Burchard and Grigsby, therefore the death benefit was not valid. The Supreme Court, however, held that the assignment was valid because Dr. Grigsby paid consideration via the surgery for the policy death benefit. This landmark case was the inception of life settlements and viatical settlements. Essentially, Grigsby vs. Russell made the practice of assigning the death benefit without having insurable interests legal. Third-party investors can now comfortably purchase policies without needing the insured to be a familial or financial nexus. At [Abacus Life](https://abacuslifesettlements.com/), we’re not just innovating — we’re redefining the future of financial planning. With a focus on uncorrelated, lifespan-based investment strategies backed by actuarial science and proprietary data, we offer investors a smarter way to grow and protect wealth. Connect with our team at  [800-561-4148](tel:8005614148) and explore our [Learning Center](https://abacuslifesettlements.com/learning-center/). **Categories:** Life Settlement Blog --- ### [Abacus Life Ranked Top 10 Best Life Settlement Companies](https://abacuslifesettlements.com/abacus-life-wins-best-overall-life-settlement-company/) **Published:** February 9, 2022 **Author:** Admin **Content:** In **[The Balance](https://becalife.com/best-life-settlement-companies-in-america/)**‘s 2025 report, **Abacus Life was listed under the Top 10 Best Life Settlement Companies in America!** The report noted Abacus Life’s average settlement time of 35-42 days, no brokerage fees, and that Abacus is a direct policy buyer. “We chose Abacus Life Settlements because of the lightning-fast **[quote](https://abacuslifesettlements.com/qualify-a-life-settlement/)** process and speedy sales process. You’ll likely see your funds within 14 to 21 days,” **[The Balance](https://becalife.com/best-life-settlement-companies-in-america/)** reported. The Balance named Abacus Life’s **[fast quotes](https://abacuslifesettlements.com/qualify-a-life-settlement/)**,**[ 14 to 21 day offers](https://abacuslifesettlements.com/learn-how-life-settlements-work/)**, and the **[retained death benefit](https://abacuslifesettlements.com/retained-death-benefit-rdb/)** offering as its top pros. “**[Abacus Life Settlements](https://abacuslifesettlements.com/about-us/)** is our best overall life settlement company because of its straightforward and easy process combined with great **[customer reviews](https://www.google.com/search?client=firefox-b-1-d&sca_esv=db9c56f3b10e342d&channel=tus5&si=AMgyJEtREmoPL4P1I5IDCfuA8gybfVI2d5Uj7QMwYCZHKDZ-Eyj9TaWALpnhHWeOBtDhEJldrjfvTlw-hx6jWTL8AXNxZQLWZ-ZYDtvdtzhZT0IQt10IBkJdGI8EtBYDFXiGUmb4LA3zxSLBdof_vz121JgiQXzo-w%3D%3D&q=Abacus+Life+%28ABL%29+Reviews&sa=X&ved=2ahUKEwiQp9vCj5yOAxVmQzABHbIqOrAQ0bkNegQIQRAE&biw=1920&bih=911&dpr=1)**. If you need a quick **[estimate](https://abacuslifesettlements.com/qualify-a-life-settlement/)**, on your policy’s value they can get you one in 24 hours. Additionally, they’ll get you a formal offer in 14-21 days of receiving your application. This is quite speedy for the industry. The company’s easy-to-use process and speed makes for great offering.” Abacus Life has been a direct buyer of life insurance for over **[17 years](https://abacuslifesettlements.com/about-us/)**, leading the industry with the **[highest offers paid out](https://www.prnewswire.com/news-releases/report-abacus-life-continues-to-lead-the-top-buyers-in-life-settlement-payouts-301296564.html)** to clients. The usual payouts range from *4 to 6 times* the insured’s policy surrender value, with all future premiums covered by Abacus Life. We employ over **[55 employees](https://abacuslifesettlements.com/about-us/)** who are all dedicated to ensuring clients are well-educated about each step of the process. We embody a client-focused mentality and make it a top priority to cater to the needs of insureds with professional, white-glove service. [**Abacus Life**](https://abacuslifesettlements.com/) is a proud member of the [**LISA**](https://www.lisa.org/) and strictly adheres to [**HIPAA**](https://www.hhs.gov/hipaa/index.html) and privacy laws to maintain and protect the confidentiality of financial, health, and medical information. Now licensed in **[49 states](https://abacuslifesettlements.com/licensure/)**, the company is able to purchase life insurance policies from seniors ages [**70 and older** ](https://abacuslifesettlements.com/learn-how-life-settlements-work/)that own policies of **[$100,000 or more in death benefit](https://abacuslifesettlements.com/learn-how-life-settlements-work/)**, or those who have a **[decline in health](https://abacuslifesettlements.com/learn-how-life-settlements-work/)** from the time the policy was issued. These requirements are considered **general guidelines**, so it is best to check with one of our **[Abacus representatives](https://abacuslifesettlements.com/about-us/)** and to utilize our **[Life Settlement Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/)** for an instant quote. To learn more about the life settlement opportunity, feel free to reach out to our team at **[800-561-4148](tel:8005614148)** to get started. We are proud to be named one of the**[ best overall life settlement company](https://www.thebalance.com/best-life-settlement-companies-5078433#best-overall-abacus-life-settlements)**, and work each day to help seniors see financial freedom. **Categories:** Life Settlement Blog --- ### [Why More Seniors Are Selling Life Insurance to Pay Medical Expenses](https://abacuslifesettlements.com/trouble-paying-medical-bills/) **Published:** January 10, 2022 **Author:** Admin **Content:** According to **[U.S. News](https://www.usnews.com/news/health-news/articles/2021-12-15/many-seniors-on-medicare-falling-into-medical-debt)**, “nearly **11% of [Medicare](https://www.medicare.gov/) beneficiaries said they struggle to pay their medical bills** and have delayed care because they can’t afford it, according to researchers who analyzed data from a regular federal survey of current Medicare beneficiaries.” The general consensus deems it to be not as “universally accessible or equitable” as it should be, leaving many to struggle financially. ### The Hidden Costs of Traditional Medicare Statistics show that lower-income seniors are also struggling under Medicare—about **8% of[ beneficiaries](https://www.investopedia.com/terms/b/beneficiary.asp) 65 and older have delayed care** and **7% have trouble paying off medical bills**. Chronic health conditions add to the lack of affordability of Medicare. The findings showed that **seniors with 4 to 10** chronic conditions **were more than *twice* as likely to have problems paying medical bills** as those with one condition or none at all. Traditional Medicare has fairly high-cost sharing requirements for beneficiaries; for example, a doctor’s visit under Medicare Part B requires a 20% copay. A senior with multiple illnesses who goes to various specialists can rack up high amounts of medical copays. It is important to note that there is no cap on **[out-of-pocket expenses](https://www.investopedia.com/terms/o/outofpocket.asp)** for traditional Medicare, so essentially, the money that can be spent is endless. ### How Seniors Use Life Settlement Payouts to Cover Medical Costs With this being said, seniors often look for alternative avenues that provides them funding for these medical costs. A safe and reliable option that would provide an immediate**[ lump-sum of cash](https://www.investopedia.com/terms/l/lump-sum-payment.asp)** is the **[life settlement](https://abacuslifesettlements.com/what-is-a-life-settlement/)** option. In terms of definition, a life settlement is the financial transaction of an existing life insurance policy to a licensed life settlements buyer for more than its cash surrender value, but less than its death benefit. The policy owner transfers ownership and beneficiary rights to an institutional fund, like **[Abacus Life](https://abacuslifesettlements.com/about-us/)**. The insured receives a lump-sum cash payment that can often be *4 to 6 times greater* than the cash surrender value in exchange for transferring ownership. One of the many pros to life settlements is the idea that [**seniors have total control in how they spend their settlement payout**](https://abacuslifesettlements.com/your-life-insurance-policy-could-fund/)—it is entirely up to their discretion. A common use for the payout is to cover medical bills, assisted living costs, accumulated debt, or simply to stop having to pay rising premiums every month—however, one can spend it however they wish. For older adults who are struggling to pay for health care costs or long-term care in retirement, a settlement can provide a much-needed lifeline in this time of financial need. ### Why Choose Abacus Life for Your Life Settlement? Abacus Life has been providing seniors this life-changing financial option for over 17 years. We would be happy to walk you through the process and help you see if you qualify. Reach out to our team at **[800-561-4148](tel:8005614148)** and try our **[Abacus Life Settlement Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/)** to get an instant policy calculation today; let us help you achieve financial freedom! Source: **[U.S. News](https://www.usnews.com/news/health-news/articles/2021-12-15/many-seniors-on-medicare-falling-into-medical-debt)** **Categories:** Life Settlement Blog --- ### [New Year's Financial Planning for Seniors](https://abacuslifesettlements.com/new-year-financial-planning-for-seniors/) **Published:** December 28, 2021 **Author:** Admin **Content:** The start of a New Year can prompt a lot of resolutions—like to go the gym more frequently, to pick up a new hobby, or to get your finances in order. This time of year, offers the perfect opportunity to start with a clean slate to establish your priorities and goals for the future. Proper money management is essential for all age groups and stages of life. Seniors tend to experience changes in their spending and saving habits when prompted with new care and medical expenses or changes in their lifestyle. Living on a fixed income can be a challenge during unforeseen circumstances, therefore, being prepared and understanding all of your financial options can be of great help when planning out your finances. Here at Abacus Life, we offer seniors an option that could grant them financial freedom. An often overlooked, or simply unknown, financial option for seniors is the **[life settlement](https://abacuslifesettlements.com/learn-how-life-settlements-work/)** option. This avenue allows for immediate cash that can be **utilized in any manner** a senior may need. The life settlement industry is highly competitive and closely regulated. Abacus Life is ranked number one in client payouts and fast sales, granting seniors lump-sums of cash that can tremendously improve their current financial standing. Abacus Life offers up to ***6 times*** the monetary value that *would* have been incurred if the insured had let their policy lapse or surrender. Instead of resorting to selling off other wanted or cherished assets, selling your life insurance could be a viable option that provides additional, instant cash that will aid you during your senior years. When taking the time to sit back and reflect on your current financial situation at the start of the year, make sure you take this innovative option into consideration. It can alleviate your current debts, bills, or open you up to new opportunities during your golden years. If your other New Year’s resolution is to travel more often or to splurge more on your family, or something else that would require additional income, a settlement could provide you the **[funds](https://abacuslifesettlements.com/how-much-could-you-get/)** in order to do so. Reach out to a member of our team here at **[Abacus](https://abacuslifesettlements.com/about-us/)** at **[800-561-4148](tel:8005614148)** to see if you qualify; we want to help you fulfill your New Year’s financial resolution! **Categories:** Life Settlement Blog --- ### [2021 Conning Life Settlement Report](https://abacuslifesettlements.com/2021-conning-life-settlement-report/) **Published:** December 2, 2021 **Author:** Admin **Content:** Each year, **[Conning](https://www.conning.com/?gclid=Cj0KCQiA-qGNBhD3ARIsAO_o7ym3rV5hVPrhQhm1YKdZbkwhT4hSuTomPTd3TBd0Cv-uyRpOFvivdI4aAge7EALw_wcB)** releases a detailed report recounting the year in review of the **[life settlement](https://abacuslifesettlements.com/learn-how-life-settlements-work/)** industry. Despite the disruption caused by **[Covid-19](https://www.cdc.gov/coronavirus/2019-ncov/index.html)**, the life settlement market in 2020 enjoyed its **fifth consecutive year of growth** in the amount of face value settled. Looking ahead, the outlook for continued growth remains favorable. We have detailed some of the key points from the report: The average of Conning’s ten-year forecast of the annual *gross market potential* for life settlements is approximately $233 billion, an increase from the prior forecast. The average of their ten-year forecast of the annual *volume* of new life settlements is approximately $7.3 billion, again an increase from the prior forecast. Conning’s analysis of the **[10-Ks](https://www.investopedia.com/terms/1/10-k.asp)** and reports of life settlement companies found that those investors owned policies issued by 42 target insurance operating subsidiaries. Those 42 target companies represented 55%, or $5.0 trillion, of the cash value life insurance in force at year-end 2020. In 2020, based on an 11% increase in new life settlements reported by **[*The Deal*](https://www.thedeal.com/)**, Conning’s estimate of the annual volume of face value of life insurance policies settled was $4.6 billion. This continued the growth that began in 2016 and was also the highest amount settled since 2010. The increased annual volumes since 2016 have resulted in the growth of in-force amounts from $21.6 billion in 2018 to $24.1 billion in 2020. The amount of face value for in-force life settlements increased to an estimated total of $24.1 billion in 2020. The increase of in-force face value reflects the combination of policies maturing and lapses being outpaced by new policy acquisitions. This trend bodes well for the future supply of policies available in the tertiary market. Compared to other types of alternative assets, life settlements are a relatively small asset class. Over the period of 2002 through 2020, we estimate approximately $82 billion of new **[face value](https://www.investopedia.com/terms/f/facevalue.asp)** has been settled in the secondary life settlement market. Assuming investors paid, on average, 20% of that face amount in the secondary market, the total cumulative capital committed to life settlements would be approximately $16.4 billion. Conning’s life settlement market forecast for 2021 through 2030 reflects several key drivers. Overall, these drivers are favorable for continued growth in the life settlement market. Life settlements remain an appealing alternative asset class to investors seeking above-average returns relative to the current low interest rate environment. The increased supply of investors is met with the increasing number of retiring **[Baby Boomers](https://www.history.com/topics/world-war-ii/baby-boomers-video)** seeking ways to increase their retirement income or pay for long-term care. From Conning’s perspective, increased consumer awareness and the growth in direct-to-consumer settlements will lead to an increase in the number of policies, along with a decrease in average face amount as the industry further develops its mass marketing capabilities. The challenge with this factor is that it is difficult to quantify the impact of mass marketing on the gross market potential. Based on a $100,000 minimum face value, Conning estimates the average U.S. gross market potential will range between $201 billion and $233 billion in face value for 2021 through 2030, for an average face value of $218 billion. A key factor in determining the forecast is how selective prospective buyers are when it comes to health conditions. Assuming that investors are willing to accept policies where the insured has one serious medical condition, then the forecast U.S. gross market potential would range between $229 billion and $267 billion in face value for 2021 through 2030, with an average face value of $250 billion. However, investors may be more selective in their policies. If investors selected policies where the insured has two serious medical conditions, then the U.S. gross market potential would range between $173 billion and $199 billion in face value for 2021 through 2030, with an average face value of $187 billion. Conning estimates that the average annual net market potential will be $171 billion over the next ten years, based on a 70% limit. This amount is based on policies with a minimum face value of $100,000 and with a policyholder who has a single health condition. Their forecast indicates that the upper limit of net market potential will increase from $150 billion in 2021 to $187 billion in 2030. The lower limit will increase from $86 billion to $107 billion over the same period. To summarize, the gross market potential for the**[ life settlement](https://abacuslifesettlements.com/application/)** industry continues to increase over the forecast period. That increase reflects demographics as more Baby Boomers enter the life settlement age range. The increase also reflects a shift within the industry of wider range of policies and ages an investor is willing to consider. Adding to that shift is the development of a life settlement mass market. This mass market, while beginning in the years leading up to the Covid-19 pandemic, accelerate the industry’s broadening of what constitutes a desirable policy for purchase. With the life settlement industry on the rise, **[Abacus Life](https://abacuslifesettlements.com/about-us/)** can help you get started on your settlement today. Reach out to us at **[800-561-4148](tel:8005614148)**, or get an instant life insurance policy quote using our **[Life Settlement Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/)**. Source: *2021 Life Settlements – The Growth Continues* \| **[Conning](https://www.conning.com/?gclid=Cj0KCQiA-qGNBhD3ARIsAO_o7ym3rV5hVPrhQhm1YKdZbkwhT4hSuTomPTd3TBd0Cv-uyRpOFvivdI4aAge7EALw_wcB)** **Categories:** Life Settlement Blog --- ### [Have a Terminal Illness? Seek a Viatical Settlement](https://abacuslifesettlements.com/facing-a-terminal-illness-a-viatical-settlement-can-help/) **Published:** November 22, 2021 **Author:** Admin **Content:** Here at **[Abacus Life Settlements](https://abacuslifesettlements.com/about-us/)**, our main priority is to educate our clients on *all* of their available financial options, helping them choose the best avenue for their specific situation. We want to make sure each client **[chooses the option](https://abacuslifesettlements.com/life-insurance-options/)** that will best help them and their family, especially in some of life’s more critical instances. When an individual is facing a severe illness or condition and is seeking financial assistance, they are more likely to seek out the **[viatical settlement](https://abacuslifesettlements.com/viatical-settlement/)** option. At its core, it is fundamentally the same as the other available options, except a **[viatical settlement](https://www.investopedia.com/terms/v/viaticalsettlement.asp)**, by definition, is an arrangement in which someone who is terminally or chronically ill sells their life insurance policy at a discount from its face value for ready cash. In exchange for the cash, the seller of the life insurance policy relinquishes the right to leave the policy’s death benefit to a beneficiary of their choice. The buyer of a viatical settlement (**[Abacus Life](https://abacuslifesettlements.com/qualify-a-life-settlement/)**) pays the seller a cash lump sum payout, and also covers all future premiums left on the insurance policy. The buyer becomes the sole **[beneficiary](https://www.investopedia.com/terms/b/beneficiary.asp)** and cashes in the full amount of the policy when the original owner passes away. To qualify for a viatical settlement, the insured has a **[life expectancy](https://www.cdc.gov/nchs/fastats/life-expectancy.htm)** of two years or less. The transaction is usually made **[tax-free](https://abacuslifesettlements.com/frequently-asked-questions/)** by the **[IRS](https://www.irs.gov/)**, as long as the insured meets specific criteria stated by a medical professional. The origin of this type of settlement dates back to the late 1980s, when most of the individuals who sold their policies were facing cancer or AIDs. By the mid-1990s, the range for life insurance options had broadened and was being considered for nearly every type of terminal illness. It is a safe, viable, and well-regulated option for insurance policies. At Abacus Life, the proceeds from a viatical settlement are usually around 50% to 80% of the **[death benefit](https://www.investopedia.com/terms/d/deathbenefit.asp)**, depending on the life expectancy in the specific case. There are *never* any intermediary or broker fees by going directly to Abacus Life. We are proud to have the **highest ranked position** in the life settlement industry for having the**[ largest client payout](https://www.prnewswire.com/news-releases/report-abacus-life-continues-to-lead-the-top-buyers-in-life-settlement-payouts-301296564.html)**. We work each day to ensure that we offer competitive pricing, as it is our priority to ensure that our clients get the largest possible cash lump sum payout. The regulations per state for viatical settlements are closely monitored and adhered to, as the rules vary state to state; please check **[here](https://abacuslifesettlements.com/learn-how-life-settlements-work/#regulation)** to see if your state is authorized to conduct business with us at Abacus Life. Typically, those individuals suffering from a terminal illness tend to use the funds received from a viatical settlement to help cover the costs of care, hospital bills, or medical treatments needed to aid their condition. However, it is important to note that the funds received from a settlement can be used at the **[client’s discretion](https://abacuslifesettlements.com/your-life-insurance-policy-could-fund/)**—there are no rules for how the payout is spent. If the client’s wish is to allocate their settlement payout to fund their grandchildren’s college, pay off any accumulated debt, or simply to treat themselves to a vacation, they are 100% entitled to do so. The money can be spent however they see fit—there are no strings attached or usage limits. If you or someone you know could benefit from a viatical settlement, feel free to **[reach out to us](https://abacuslifesettlements.com/contact/)** here at **Abacus Life Settlements** by calling **[800-561-4148](tel:8005614148)**. We would be happy to walk you through the process and answer any questions you may have. **When facing an illness, you should focus on healing, not your finances.** **Categories:** Life Settlement Blog --- ### [What Can a Life Settlement Fund?](https://abacuslifesettlements.com/your-life-insurance-policy-could-fund/) **Published:** November 4, 2021 **Author:** Admin **Content:** The answer? ***Anything you need.*** A life settlement can be the key to financial freedom for many seniors. A life settlement, by definition, is the sale of a life insurance policy to a third party, like [**Abacus Life**](https://abacuslifesettlements.com/about-us/), in exchange for a **[cash lump-sum](https://www.investopedia.com/terms/l/lump-sum-payment.asp)**. Typically performed by individuals aged 65 and older, a life settlement will *always* exceed the **[cash surrender value](https://www.prudential.com/financial-education/what-is-cash-surrender-value)** of your policy, but it will always be *lower* than the death benefit of your policy. You can learn more about this option by referring to our **[Learning Center](https://abacuslifesettlements.com/learning-center/).** To see if you qualify for a life settlement, check out our **[Life Settlement Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/)**. Life settlements date back to 1911, in a Supreme Court ruling in the case of **[Grigsby vs. Russell](https://supreme.justia.com/cases/federal/us/222/149/)**, which established life insurance contracts as salable assets. R.L. Russell was the executor of John Burchard’s estate. Burchard had passed away about a year after an operation. However, in order to afford the operation, Burchard had sold his life insurance policy to Dr. Grigsby in exchange for the operation, plus $100. When the insurance company paid Dr. Grigsby instead of the estate, Russell sued to have the proceeds paid to the estate. The case went all the way to the Supreme Court, and the court affirmed that Burchard had the legal right to sell his policy, and Grigsby had the right to purchase it, inevitably establishing it as a **[salable asset](https://www.merriam-webster.com/dictionary/salable)**. In the late 1980s, life insurance options were primarily seen in the form of [**viaticals**](https://abacuslifesettlements.com/viatical-settlement/), which involve the sale of a policy by a person facing terminal illness. At that time, most individuals who sold their policies were facing either cancer or HIV/Aids. Since then, the life settlement space has evolved into an established, well-regulated industry with licensing requirements [**per state**](https://abacuslifesettlements.com/licensure/). This viable option for your life insurance policy is often overlooked due to the lack of awareness of this particular financial option. Abacus Life works to educate seniors on all of their financial options, so they can make the best decisions for their families. Many times, seniors inquire about life settlements when seeking financial security in times of hardship. Whether the policy owner has fallen behind in payments or experienced a lifestyle change affecting their finances, a life settlement can offer them a chance to financially recover. In some cases, seniors may resort to getting a life settlement because their spouse has passed away, and their children or heirs are self-sufficient, so they choose to utilize the cash *now*. Investors sometimes choose the settlement route because of the added advantages that come along with the process. Life settlements offer attractive rates of return, safety, and stability, and are considered to be a “win-win” investment. Seniors often receive as much as[ **four times their cash surrender value** ](https://abacuslifesettlements.com/learn-how-life-settlements-work/)and can use this money as they please. Notable figures like **[Warren Buffett and Bill Gates](https://prosperitythinkers.com/wealth/life-settlement-investments-pros-and-cons/)** have put billions into life settlements because of the attractive advantages they offer. **Essentially, any expenses that need to be covered can be funded by the cash granted from a life settlement.** Whether it be to purchase a retirement home, fund a grandchild’s college tuition, pay long-term care or healthcare costs, cover assisted living fees, purchase a vacation home, go on an extravagant retirement vacation, or simply halt remaining premium payments, a life settlement can provide you with a monetary solution. The life settlement industry is a very well-regulated industry, with strict guidelines per state. By choosing to conduct business with Abacus Life, you will be working with a reputable company based on the principles of honesty and transparency. **Categories:** Life Settlement Blog --- ### [The Rise of Assisted Living Costs](https://abacuslifesettlements.com/the-rise-in-assisted-living-costs/) **Published:** October 27, 2021 **Author:** Admin **Content:** There are various factors that go into how much a senior could spend on assisted living facilities; the size of the facility, the types of services they offer, and the amount of services a senior personally requires. **[Assisted living facilities](https://www.seniorcare.com/assisted-living/)** offer solutions for many families that cannot give the needed level of care to seniors they would otherwise not get at home. With the consistent demand for these facilities, comes continuously rising costs. Spurred by the continuing shortage of skilled labor in senior living, and exacerbated by Covid-19, the costs to reside in assisted living in 2020 are significantly higher than the previous year, according to the latest[ ](https://pro.genworth.com/riiproweb/productinfo/pdf/650501.pdf)**[Cost of Care Survey](https://www.genworth.com/aging-and-you/finances/cost-of-care.html)** from insurer **[Genworth Financial](https://www.genworth.com/)**. **Assisted living costs rose 6.15%, the highest spike among all care segments**. The increase from 2018 to 2019, by comparison, was only 1.28%. The five-year **[compound annual growth](https://corporatefinanceinstitute.com/resources/knowledge/finance/what-is-cagr/)** rate for assisted living costs rose to 3.62%, according to the survey. The median cost for assisted living in the United States is about **$4,300 per month, or $51,600 annually**. Over 800,000 Americans are residing in assisted living facilities, with just over half of residents being 85+ years old. The importance of assistant living facilities is still very relevant. In a senior living community, you start with **[upfront costs](https://www.masterclass.com/articles/upfront-cost-definition)**. Assisted living communities and independent living communities generally have a monthly cost that could range from $2,000 to $7,000 and may make certain hospitality and care services available for an additional monthly fee. Many facilities will cater their prices to ensure all the needs of particular patients are covered. The secret to getting your money’s worth in choosing assisted living facilities is in knowing the factors in assisted living costs, because the price structures of these are dependent on the level of care that a resident requires. Now rises the question: **how will you afford it**? **Paying with Life Savings** An unfortunate, yet common, option that many seniors’ resort to is having to spend their life savings on their assisted living facility **[fees](https://www.assistedliving.org/cost-of-assisted-living/)**. Paying out of pocket can be an option for those who have significant retirement savings, however, in most cases, this is not the option for everyone. Your savings will likely run out much quicker than expected, so more often than not, seniors will have to look elsewhere to fund their assisted living expenses. **Selling a Home** In some situations, seniors who are moving into an assisted living community will no longer be able to live at home. [**Downsizing**](https://www.seniorliving.org/housing/downsizing/) like this can provide an opportunity for older adults to use the funds from the sale of their home to cover the cost of assisted living community care. However, many families prefer to keep their homes within the family. Having to sell their home would mean the senior would *not* have the opportunity to pass it down to their children or grandchildren. **Selling a Life Insurance Policy** A senior’s life insurance policy is often their largest asset, and one that they could use to their advantage in situations like these. Choosing a reputable **[life settlement company](https://abacuslifesettlements.com/qualify-a-life-settlement/)**, like **[Abacus Life](https://abacuslifesettlements.com/about-us/)**, can open the door to a large lump-sum of cash to use to fund assisted living costs. More often than not, there comes a point in a senior’s life where their life insurance policy can become more of a burden than an asset. Maintaining expensive premiums can be a costly expense over time. **[Selling your policy](https://abacuslifesettlements.com/learn-how-life-settlements-work/)** for immediate cash can help alleviate the financial strain of assisted living costs, freeing up your savings and other assets to utilize in ways that are more enjoyable for you and your family. Sources: SeniorLiving.org \| Senior Housing News **Categories:** Life Settlement Blog --- ### [Pitfalls to Avoid When Planning for Retirement](https://abacuslifesettlements.com/pitfalls-to-avoid-when-planning-for-retirement/) **Published:** September 29, 2021 **Author:** Admin **Content:** Planning for retirement can seem overwhelming without a streamlined plan set in place ahead of time. It is a multi-step process that is constantly evolving. In order to make sure that you are financially well-equipped later in life, you should start as early as possible. Essentially, the longer period of time you spend investing, the **[bigger of a financial cushion you will produce](https://abacuslifesettlements.com/is-retirement-right-for-me/)**. **To ensure that you are the most prepared, here are a few pitfalls we recommend avoiding when planning for retirement:** ### **1. Spending Instead of Rolling Over Retirement Accounts** A decision that people endure when changing jobs is what to do with the balances in their workplace retirement accounts. Generally, the options are to take the money in one single lump sum, leave the money in the plan, or have the money rollover into an**[ IRA](https://www.fidelity.com/building-savings/learn-about-iras/what-is-an-ira)** or a new employer’s retirement plan. Any financial advisor, from a retirement planning perspective, [**would not recommend taking the money in one lump sum**](https://www.investopedia.com/retirement/how-sabotage-your-retirement/) and spending it. After penalties and taxes, you do not get the full amount that you are entitled to—typically, you receive about 70% of the amount if you are under the age of 59 and a half. Aside from this, merely spending the money *now* will obviously not help you in the future during your retirement. Financial professionals believe the most responsible choice is to **[rollover the funds into an IRA or your new employer’s 401K](https://www.investopedia.com/articles/personal-finance/092415/guide-rollover-401k-new-employer.asp)**. When conducting this IRA rollover, it is important make sure that your retirement plan assets are rolled directly into the IRA, instead of being sent to *you* to deposit it into the IRA. This will inevitably avoid an automatic 20% withholding for taxes. ### **2. Investing Unwisely Along the Way** Regardless of the specific avenue, ensuring that you are well-educated in *what* you are investing into is crucial, even in your early working years. Whether it be a retirement plan provided by your company, or a self-directed IRA, make sure you weigh out all your opportunities to find the most reliable options for you and your family. It is common to choose a route that allows for more investment options, like a self-directed IRA. This is not considered to be a frowned upon choice, as long as you are picky over what options you actually end up choosing—do not always fall for whatever the current “trendy” investment is, as it could be detrimental for your savings. Self-directed investing usually involves a steep learning curve, so it is generally recommended to seek the advice of a trusted financial advisor. Paying fees for poorly performing, actively managed mutual funds is another unwise investing move in itself. ### **3. Not Planning for Health Care Costs** No matter how prepared you aim to be, you will likely *still* be in shock at how much money actually goes towards **[health related costs](https://abacuslifesettlements.com/learning-center/)** during your retirement age. Each year, the average total price increases, leaving people in need of extra help to cover it all. According to **[Investopedia](https://www.investopedia.com/)**, a 65-year-old couple who retired in 2020 can expect to spend almost $300,000 in health care and medical expenses throughout retirement, not including long-term care at another $100,000 annually. A financially responsible option is to purchase supplemental insurance, like a **[long-term care rider](https://www.investopedia.com/long-term-care-rider-4802409)**. A long-term care rider is a living benefit on a life insurance policy that lets you access a portion of the policy’s **[death benefit](https://www.investopedia.com/terms/d/deathbenefit.asp)** every month to pay for long-term care expenses. This will aid the needed costs for daily living later in life, freeing up your life savings so you can enjoy your[ **golden years**](https://abacuslifesettlements.com/about-us/) the way you intended. It is never too late to start saving for your retirement. If you haven’t already,[ **start today**](https://abacuslifesettlements.com/qualify-a-life-settlement/). You’ll appreciate the efforts you made during your working years when you are enjoying all that your retirement has to offer. **Categories:** Life Settlement Blog --- ### [How to Recognize and Manage Hearing Loss in Seniors](https://abacuslifesettlements.com/age-related-hearing-loss-causes-diagnosis-and-treatment/) **Published:** August 2, 2021 **Author:** Admin **Content:** Sylvia Pollack lost her ability to hear while she was young. But despite her disability, Sylvia went on to earn a Ph.D., raise a wonderful family, and become a published poet. Sylvia is one of a kind, but her condition is not. As we grow older, we gradually lose our sense of hearing. According to the **[John Hopkins University Hospital](https://www.hopkinsmedicine.org/the_johns_hopkins_hospital/)**, one in three adults aged 65 and over suffers age-related hearing loss. The figure doubles as we cross the 75-year mark. Here we’ll look at age-related hearing loss, what causes it, the symptoms, and how you can treat it. Like Sylvia, you can still enjoy life and live it to the full, despite having a hearing disability. ## What is age-related hearing loss? Age-related hearing loss is also known as **[Presbycusis](https://www.cedars-sinai.org/health-library/diseases-and-conditions/a/age-related-hearing-loss-presbycusis.html)**. It is a condition where a person gradually loses the sense of hearing. It often affects both ears, and although it is not life-threatening, it can significantly affect the quality of life. Most people cannot detect gradual deterioration of hearing. It is subtle and often begins with the inability to hear high-pitched sounds, like a phone ringing or a microwave oven beeping. You could also notice that you frequently turn up the volume of a radio or television. As the days go by, your sense of hearing becomes worse, significantly affecting your life. Read on and learn what causes it, the tell-tell signs, what you should do, and how you can treat age-related hearing loss. ## Presbycusis: the causes There are many causes of age-related hearing loss. In most cases, injury, disease, strain, or deterioration of tissue in the following locations would result in the condition. - The inner ear (it is the most common cause) - The middle ear - The nerve pathways to the brain Sustained exposure to loud noises (like music or machinery) could damage these sections of the ear. On the other hand, illnesses, hereditary factors, or strain could lead to the loss of the receptor hair cells in the inner ear and cause hearing loss. Other factors that affect the ears include medicines – side effects of medication like aspirin, some antibiotics, and some chemotherapy drugs. Some conditions like heart disease and diabetes can also cause age-related hearing loss. What are the tell-tell signs? The most obvious symptom is difficulty in hearing. At first, you may (or may not) notice that you no longer hear high-pitched sounds like the beeping of a microwave oven, female voices, or children. Background sounds are also hard to hear, and you often ask people to repeat what they have said. Other symptoms may include: - High sensitivity to certain sounds – they seem overly loud. - Having difficulty hearing in environments with moderate noise, like in a restaurant. - Ringing sound in the ears. - Turning up the volume on the radio or television If you experience these symptoms, reach out to a doctor for help. It could be age-related hearing loss or another health condition. ## What should you do if you have trouble hearing – diagnosis If you experience the symptoms of age-related hearing loss, see a doctor to diagnose the condition. The doctor will first perform a full assessment to rule out other ailments and other causes of hearing loss. The doctor could also examine your inner ears using an otoscope. If there are no other causes, they will diagnose you with age-related hearing loss. In some cases, the doctor could refer you to an **[ear, nose, and throat (ENT) specialist](https://www.webmd.com/cold-and-flu/ear-infection/otolaryngologist-ear-throat)**, also known as an otolaryngologist, for further testing. ## Treatment Unfortunately, modern medicine has no cure for age-related hearing loss. But that does not mean it is not treatable. Your doctor can recommend devices to boost your sense of hearing and alternative methods to communicate. Life may not get back to what it used to be like, but there is a whole new world to explore, and you can make it fun. Your doctor could recommend hearing aids – small electronic devices worn behind the ear to amplify sounds. Make sure to ask their advice on the best hearing aids for you and shop around. There are lots of popular hearing aid brands available today; if you’re looking for rechargeable hearing aids, check out Nano hearing aids reviews. Walmart actually has recently released their own brand of hearing aids, and Bose hearing aids are also popular. Your doctor could also recommend telephone amplifiers or even lessons in sign language. In severe cases, the doctor may recommend surgery and place a cochlear implant in the inner ear. ### A closing word on age or age-related hearing loss Although it is not a life-threatening condition, loss of hearing can significantly affect your life. If you have the symptoms, plan to consult the doctor and get help. However, be ready to foot the bills. Medicare does not **[cover hearing aids](https://www.medicare.gov/coverage/hearing-aids)** or exams for fitting hearing aids, but you could consider using proceeds from your **[life insurance policy](https://abacuslifesettlements.com/learn-how-life-settlements-work/)** to foot the bills. ### **About Abacus Life** *[**Abacus Life Settlements**](https://abacuslifesettlements.com/about-us/) has been a leading buyer of life insurance policies in the U.S for the last 16+ years. With over 10$ billion in policy face value purchased, we have helped thousands of clients maximize the value of their life insurance. We provide white-glove services to financial advisors and policy owners. Want to learn about the true value of your Policy? Check out our **[Market Value Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/)** to get a free estimate.* **Categories:** Life Settlement Blog --- ### [Advice On Accident And Injury In-Home Care Services](https://abacuslifesettlements.com/advice-on-accident-and-injury-in-home-care-services/) **Published:** June 21, 2021 **Author:** Admin **Content:** Recovering from an accident or injury can be a lengthy and difficult process. Friends and family members can struggle to provide the injured loved one with the level of care they need for optimal health. Family and work obligations take time to meet, and this can make it challenging to additionally provide the attention that a person needs when recovering from a significant accident and/or injury. Thankfully, there is help available. **[In-home care services](https://www.bayada.com/homehealthcare/what-is-homecare/)** can assist greatly in an individual’s recovery and make it easier by providing essential care services within the comfort and familiarity of their home environment. Table of Contents [Toggle](#) - [What types of in-home services are available?](#What_types_of_in-home_services_are_available) - [ADL assistance](#ADL_assistance) - [CNA assistance](#CNA_assistance) - [Patient-centered support](#Patient-centered_support) - [Medication management](#Medication_management) - [Ensuring proper nutrition](#Ensuring_proper_nutrition) - [Assistance with household chores](#Assistance_with_household_chores) - [Covering the costs of in-home care](#Covering_the_costs_of_in-home_care) - [Medicare](#Medicare) - [Medicaid](#Medicaid) - [Insurance](#Insurance) - [Other sources](#Other_sources) - [The bottom line](#The_bottom_line) - [About Abacus Life](#About_Abacus_Life) ### **What types of in-home services are available?** [**In-home care**](https://abacuslifesettlements.com/blog-in-home-care/) services can assist with a wide range of healthcare needs and daily tasks. These can include patient-centered support, help with ADLs, diet and nutrition support, professional CNA assistance, household chores assistance, and medication management. ### **ADL assistance** Recovery care providers can be counted on to assist with activities of daily living (**[ADLs](https://abacuslifesettlements.com/what-are-adls-and-how-do-they-help-seniors/)**). ADLs refer to all of the normal daily personal care activities, such as bathing, eating, toileting, dressing, and grooming. Depending upon the injuries sustained, it may be difficult to perform some or all of these activities, and by receiving daily assistance with their personal care needs, good quality of life and dignity can be maintained. ### **CNA assistance** Whilst loved ones may be able to provide exceptional care, there is no substitute for professional medical experience. An in-home care agency can provide professional CNA assistance by assigning a qualified healthcare provider. A Certified Nursing Assistant (CNA) is also able to provide support with hands-on healthcare, such as bathing and dressing. Some of the common activities for a CNA include repositioning bedridden patients, taking a patient’s temperature, blood pressure, or other vital signs, dressing wounds, and ensuring that sufficient nutrition intake is maintained. ### **Patient-centered support** More than just a health-care provider, an in-home caregiver’s job is also to provide socialization and compassionate care, especially as recovering patients can feel particularly depressed or lonely during their long recovery. Meaningful social contact during mealtimes and throughout the day can enhance recovery through feelings of connection and happiness. ### **Medication management** After sustaining a serious injury, it is common to require one or more prescription medications. Depending on a patient’s age and abilities relating to their condition, it may be difficult to self-manage the quantities and schedules for taking medicines. An in-home caregiver can ensure that the right dosages are taken at the right times, thus ensuring optimal pain management and potentially speeding up the recovery process. It is also vital to avoid any dangerous drug interactions. Simple instructions such as not taking medication on an empty stomach can also be overseen to avoid unnecessary discomforts such as stomach upsets. ### **Ensuring proper nutrition** It is vital to ensure that diet and nutrition remain a priority when recovering from an injury – especially when remaining sedentary, as it’s important to avoid a loss of lean body mass. In-home care providers can help to ensure that adequate nutrition is consistently achieved through aiding in grocery shopping and the preparation of balanced meals. ### **Assistance with household chores** It can be highly challenging to keep up with household chores when recovering from an accident or injury, and in-home caregivers can assist with these responsibilities. Any light household duties such as laundry, dishes, and vacuuming can be covered by a home care provider – ensuring a cleaner and safer environment to recover in. ### **Covering the costs of in-home care** [**Funding long-term care**](https://abacuslifesettlements.com/funding-long-term-care-for-your-parents/) can be daunting. You or a loved one may be eligible to receive home health care benefits via one of the following: ### **Medicare** To be eligible, you must be over 65 or defined as disabled for two years or more. The Medicare home health benefit is designed to assist in recovery from an illness or injury, to help with other intermittent or short-term needs, or to manage a chronic condition. It may cover a variety of skilled services such as physical therapy, nursing, speech therapy and occupational therapy. A doctor’s referral is required. For a full summary of the Medicare home health care benefits, click **[here](http://www.medicare.gov/coverage/home-health-services)**. ### **Medicaid** If your home is your main asset and your primary income is through Social Security, you may meet the requirements for Medicaid. Additionally, some states expand their Medicaid coverage even further for low-income adults. General eligibility information can be found **[here](https://www.medicaid.gov/medicaid/eligibility/index.html)**. ### **Insurance** If you have been contributing to private health insurance or a long-term insurance plan, now might be the time to take advantage of it. Most private insurers will cover the costs of skilled nursing care in the short term, either after surgery or in the event that an injury is sustained that doesn’t relate to a worker’s compensation or auto accident. ### **Other sources** If care and rehabilitation services are required as the result of a job-related accident or auto accident, then worker’s compensation, auto insurance, or another consumer or employer insurance plan may pay for in-home care services. If you are in any way unsure of your entitlements, you should consult with an experienced personal injury lawyer to make sure that you receive everything you are entitled to, and to assist you in **[filing a personal injury claim](https://www.shumanlegal.com/file-a-personal-injury-claim/)**. ### **The bottom line** Recovering from an accident or injury can be a grueling process and take its toll on friends and family, too. The more organized you are, the easier the journey back to health for all, and ensuring that you are receiving all of the benefits owing can make a great difference when it comes to affording the best possible in-home care. ### **About Abacus Life** [Abacus Life Settlements](https://abacuslifesettlements.com/) has been a trusted leader in the U.S. life settlement industry for over 16 years. With more than $10 billion in policy face value purchased, we’ve helped thousands of clients unlock the full value of their life insurance. We offer white-glove service to both policyholders and financial advisors, ensuring a smooth, transparent process every step of the way. Curious about what your policy is really worth? Use our free [Market Value Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/) to get an instant estimate today. **Categories:** Life Settlement Blog --- ### [Want To Boost Your Brain Power? Here’s How!](https://abacuslifesettlements.com/boost-your-brain-power/) **Published:** June 14, 2021 **Author:** Admin **Content:** ### Want To Boost Your Brain Power? Here’s How! Why are some people able to learn things quicker and seemingly much easier than the rest of us? While it can be a combination of luck and genetics, for most people it’s because they have worked hard to boost their brainpower. Because just like every other muscle in our bodies, our brains also become stronger the harder we exercise our cognitive skills and the more we use our memory. The good news is that there are a number of ways you can improve your memory function. Simply by following these simple tips below can drastically increase your ability to learn, retain, and, most importantly, understand all the information you need to succeed in school, university, and life in the real world. Table of Contents [Toggle](#) - [Play cognitive brain games](#Play_cognitive_brain_games) - [Engage in regular exercise](#Engage_in_regular_exercise) - [Organize your workplace](#Organize_your_workplace) - [Decrease your stress levels](#Decrease_your_stress_levels) - [Learn to do something new](#Learn_to_do_something_new) - [Increase nutrition in your diet](#Increase_nutrition_in_your_diet) ## **Play cognitive brain games** Stimulate and challenge your brain as much as possible in your spare time by playing brain games. Defined as any puzzle or activity that requires calculation, planning, and cognitive thought, brain games can help stimulate brain health by generating new synapses and neurons. This includes word-style puzzles like Scrabble or crosswords, card games like solitaire or bridge, as well as traditional games like chess or checkers. While playing these types of board games can help exercise your memory muscles, they also have the added bonus of improving hand-eye coordination too. Ultimately, any of these games can provide the appropriate stimulus for the neurons in your brain which helps strengthen memory and improve your overall cognitive health. Many games are also low stress and have a calming effect too, which in turn can help lower blood pressure. ## **Engage in regular exercise** Regular exercise helps to boost your memory and cognitive abilities both directly and indirectly. Indirectly, regular exercise helps you to sleep better, reduce stress and anxiety, and boosts your mood. Scientists have found that problems in these areas can cause or contribute to cognitive impairment. On the other hand, exercise also directly boosts your brain. Engaging in a regular workout helps your brain to reduce insulin resistance. Also, it cuts down inflammation and triggers the release of Nerve Growth Factors (NGF). These are chemicals in the brain that boost the health and lifespan of brain cells. They are also responsible for the growth of new blood vessels in the brain. But that’s not all. When you engage in a moderate to intensive exercise program for at least six months, your brain grows in volume! Selected sectors of the brain (the prefrontal cortex and medial temporal cortex) are larger for people who exercise than those who don’t. You can put it to the test. Get yourself a good fitness tracker and start tracking your workout sessions. Two hours a week or 120 minutes of moderate to intense drills, like brisk walks, HIIT classes, spin classes, or any other aerobic exertions, should be enough to get your heart pumping and yield results. If you would prefer something else, consider moderate exercises like swimming or physical games that you enjoy like tennis. ## **Organize your workplace** One of the easiest ways to guarantee a better brain is to keep all work environments as tidy as possible. This is because orderly environments are more conducive to productivity and cognitive performance than environments that are overwhelmed with disorganization, and clutter. According to Ben Spielberg with TMS & Brain Health, “it’s imperative to create a dedicated workspace that minimizes distraction when you’re working and makes it easier to detach from work at the end of the day,” which explains why a decluttered workspace is ideal when it comes to not only brain performance but also your brain’s ability to relax by distinguishing work environments from leisure environments. ## **Decrease your stress levels** When you experience chronic levels of stress, it can cause damage to your brain by increasing the production of cortisol hormones and disrupting the activity of neurotransmitters. Studies have shown that this makes it increasingly more difficult to not only access existing memories but also to create new ones. Thankfully, engaging in meditation, yoga, tai chi, or anything else which gets you focused on your breathing, can help you strengthen and protect your brain. It’s also worth looking into a declutter of your environment. Simply practicing these mindful exercises and lifestyle activities for 15 minutes a day can boost your memory as well as improve your ability to focus. ## **Learn to do something new** One of the primary reasons people enjoy experiencing new things that they’ve never done before is because it creates new neural pathways while also producing dopamine which helps to stimulate your brain. You could try taking a new route home from work but ditch the GPS and use a map to navigate instead. This is also good because it exercises the area of your brain which is responsible for identifying spatial connections. Another good idea is to take a career skills course, because not only are you doing something new, you’re learning vital new skills that will help you in the workforce, or to find a new job. Simply by learning how to do something new, it fires areas of your brain that can change how it’s structured, provide you with laser focus, and even increase your overall level of intelligence. ## **Increase nutrition in your diet** Because nutrition obviously plays a significant role in your health, it shouldn’t be a surprise eating right also affects your brain health. Numerous clinical studies have shown that there are a number of foods that are excellent at boosting brainpower. Fresh vegetables like cauliflower, broccoli, celery, and other leafy superfood greens can really assist with increasing memory and recall abilities, whereas foods containing an abundance of antioxidants can not only keep the brain healthy, they can even help stimulate the production of new brain cells. Because it’s true, you really are whatever you eat. ### **Final thoughts** Everyone wants to be able to increase their memory fitness and their general mental health. But you can’t just remove your brain and put it on a treadmill or an exercise bike. Thankfully, there are a number of real-world strategies which have been proven to help strengthen your overall mental acuity such as the ones above: eating healthy superfoods, stimulating your brain by learning something new, engaging in regular exercise, and cognitive games. Used correctly and repeatedly, these techniques can effectively help you improve your memory skills, enhance your recall abilities, and increase the amount of information your brain can ultimately retain. Intelligence often comes from persistence and hard work, so make the effort to work harder, train your brain, and you’ll find your brain power increases and memory becomes better. ***About Abacus Life*** *[**Abacus Life Settlements**](https://abacuslifesettlements.com/about-us/) has been a leading buyer of life insurance policies in the U.S for the last 16+ years. With over 10$ billion in policy face value purchased, we have helped thousands of clients maximize the value of their life insurance. We provide white-glove services to financial advisors and policy owners. Want to learn about the true value of your Policy? Check out our **[Market Value Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/)** to get a free estimate.* ###### *Want To Boost Your Brain Power? Here’s How!\|Abacus Life 2021* **Categories:** Life Settlement Blog --- ### [Using Life Settlements to Pay for Long-Term Care Expenses](https://abacuslifesettlements.com/long-term-care-expenses/) **Published:** June 10, 2021 **Author:** Admin **Content:** Table of Contents [Toggle](#) - [How Life Settlements Can Help Cover Long-Term Care Expenses for Seniors](#How_Life_Settlements_Can_Help_Cover_Long-Term_Care_Expenses_for_Seniors) - [Additional Resources:](#Additional_Resources) ## **How Life Settlements Can Help Cover Long-Term Care Expenses for Seniors** For covering health care costs, many seniors in the US rely on Medicare or Medicaid. In fact, approximately 44 million are currently enrolled in the nation’s Medicare program and that number is expected to rise to 79 million by 2030. As for Medicaid, approximately 7.2 million low-income seniors — who are also enrolled in Medicare — rely on the program to cover their medical expenses. Let’s take a look at the differences between the two programs. [**Medicare**](https://www.medicare.gov/) is an insurance program. Medical bills are paid from trust funds which those covered have paid into. It serves people over 65 primarily, whatever their income; and serves younger disabled people and dialysis patients. Patients pay part of costs through deductibles for hospitals and other costs. Small monthly premiums are required for non-hospital coverage. Medicare is a federal program. It is basically the same everywhere in the United States and is run by the Centers for Medicare & Medicaid Services, an agency of the federal government. [**Medicaid**](https://www.medicaid.gov/), on the other hand, is an assistance program. It serves low-income people of every age. Patients usually pay no part of costs for covered medical expenses. A small co-payment is sometimes required. Medicaid is a federal-state program. It varies from state to state. It is run by state and local governments within federal guidelines. While both Medicare and Medicaid are helpful in covering medical expenses for seniors, neither program is meant to help cover long-term care expenses, which can reach exorbitant amounts. For example, the monthly median cost for an assisted living facility is $4,300, and for a private room in a nursing home facility, the cost averages $8,821. The majority of seniors don’t have the savings to pay these types of monthly expenses for upwards of 20 years. That’s where life settlements come into play. A **[life settlement](https://abacuslifesettlements.com/learn-how-life-settlements-work/)** is defined as the sale of an existing life insurance policy for more than its cash surrender value, but less than its net death benefit. For millions of Americans who own a life insurance policy, letting it “lapse,” or missing a premium payment, means voiding the protection and security gained when you held the policy. Imagine paying into an asset for several years, only to be left with nothing of value if a policy lapses or is no longer worth keeping. There is a solution, however. You can choose a life settlement. However, there are a few eligibility requirements to be aware of, the most important of which are: - **Age and health:** In general, to qualify for a life settlement, the policyholder should be 65 or older, though younger individuals may still qualify. Specifically, policy owners who are 72 or older and in average health qualify. Those who are 60 or older qualify if they are in below-average health, and those under 60 qualify if they are in critical health. - **Type of policy:** The majority of life insurance policies sold are universal or term policies, though others may still qualify. - **Premiums:** The number of premium payments required to keep the policy in force will play a role as to whether the policy can be sold or not. - **Death benefit:** Also known as the face value, policies with a death benefit of more than $100,000 are usually easier to sell as they are more attractive to an investor. The amount received from selling a life insurance policy will always be greater than the cash surrender value and less than the death benefit value. The exact amount a policy owner receives, however, will depend on the death benefit of the policy, the annual premiums, the number of years premiums will need to be paid and the rate of return the buyer of the policy (the life settlement company) requires to make the investment. You should never feel like you have to “settle.” You have an option when it comes to finding value in your life insurance policy. And that value could go a long way in helping to cover**[ long-term care expenses](https://abacuslifesettlements.com/funding-long-term-care-for-your-parents/)**. **About Abacus Life** [**Abacus Life Settlements**](https://abacuslifesettlements.com/about-us/) has been a leading buyer of life insurance policies in the U.S for the last 16+ years. With over 10$ billion in policy face value purchased, we have helped thousands of clients maximize the value of their life insurance. We provide white-glove services to financial advisors and policy owners. Want to learn about the true value of your Policy? Check out our **[Market Value Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/)** to get a free estimate. ## Additional Resources: - [Medicaid State Plan Amendments](https://www.medicaid.gov/medicaid/medicaid-state-plan-amendments/index.html) - [Access to Care](https://www.medicaid.gov/medicaid/access-care/index.html) - [Program Integrity](https://www.medicaid.gov/medicaid/program-integrity/index.html) - [Cost Sharing](https://www.medicaid.gov/medicaid/cost-sharing/index.html) - [Indian Health & Medicaid](https://www.medicaid.gov/medicaid/indian-health-medicaid/index.html) - [Outreach Tools](https://www.medicaid.gov/medicaid/outreach-tools/index.html) - [Quality of Care](https://www.medicaid.gov/medicaid/quality-of-care/index.html) - [Enrollment Strategies](https://www.medicaid.gov/medicaid/enrollment-strategies/index.html) - [Home & Community-Based Services](https://www.medicaid.gov/medicaid/home-community-based-services/index.html) - [Program Information](https://www.medicaid.gov/medicaid/national-medicaid-chip-program-information/index.html) - [Section 1115 Demonstrations](https://www.medicaid.gov/medicaid/section-1115-demonstrations/index.html) - [Managed Care](https://www.medicaid.gov/medicaid/managed-care/index.html) - [Eligibility](https://www.medicaid.gov/medicaid/eligibility/index.html) - [Financial Management](https://www.medicaid.gov/medicaid/financial-management/index.html) - [Data & Systems](https://www.medicaid.gov/medicaid/data-systems/index.html) - [Benefits](https://www.medicaid.gov/medicaid/benefits/index.html) - [Prescription Drugs](https://www.medicaid.gov/medicaid/prescription-drugs/index.html) - [Long Term Services & Supports](https://www.medicaid.gov/medicaid/long-term-services-supports/index.html) - [Centers for Medicare & Medicaid Services](https://www.cms.gov) **Categories:** Life Settlement Blog --- ### [Abacus Continues to Lead Payouts](https://abacuslifesettlements.com/report-abacus-life-continues-to-lead-the-top-buyers-in-life-settlement-payouts/) **Published:** May 24, 2021 **Author:** Admin **Content:** ORLANDO, Fla., May 20, 2021 — According to the annual report filed by the [Life Settlement](https://abacuslifesettlements.com/shane/) news outlet, The Deal, [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) continues to be one of the top buyers in all reported categories by providing industry leading value to their clients year-over-year. Since 2017, Abacus has outperformed the leading buyers in settlement offers as a percent of face value by paying out over half a billion dollars to policy sellers. The Deal reported that Abacus paid 22.5% per policy on average, 37% higher than their closest competitor who paid an average 16.4% of policy face value to sellers. “I am proud of our staff and thankful to our dedicated partners, financial advisors, and insurance agents. In a year when the country was in the midst of a substantial crisis, I can’t stress enough how happy it made me to know that we were able to provide an incredibly important financial service and tool for our clients,” said [Jay Jackson, CEO of Abacus Life](https://abacuslifesettlements.com/about-us/). “We pride ourselves on providing the best end-to-end experience possible and the fact that were able to put $172 million directly into consumers hands is an incredible accomplishment.” Despite 2020 being a tumultuous year, especially for seniors and financial professionals, Abacus was able to expand their staff and deploy $172 million in capital on their way to purchase nearly a billion dollars in life insurance policies. Abacus accomplished this by offering a measure of stability that was hard to come by in 2020 for their clients. “While there were certainly struggles in acquiring policy and medical records early on, we quickly developed groundbreaking tools that became a hallmark of Abacus,” said [Scott Kirby, Managing Partner at Abacus Life](https://abacuslifesettlements.com/about-us/). “We are the first provider in the space to offer fully e-signed contracts, coupled with our innovative underwriting techniques and highly motivated capital. We were able to provide the Abacus standard very quickly, even in the face of a strange year.” Founded in 2004, [Abacus Life](https://abacuslifesettlements.com/about-us/) is a licensed Direct Life Settlement Provider and Buyer headquartered in Orlando, Florida. Abacus responds to the needs of Professional Advisors and Policy Sellers seeking to optimize the value of life insurance policies. Policy Sellers, Life Settlement Brokers, and Agents know they can count on Abacus to deliver sound solutions and a fair market value for each policy that we purchase. Contact Abacus directly at **[800-561-4148](tel:8005614148)**, or **<info@abacuslife.com>** Use our **[Market Value Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/)** to know the true value of your Policy. **Categories:** Life Settlement Blog --- ### [The Different Types of Life Insurance](https://abacuslifesettlements.com/life-insurance-explained/) **Published:** May 17, 2021 **Author:** Admin **Content:** # The Different Types of Life Insurance Explained in 2021 Despite most consumers expressing a willingness and desire to financially protect their family from hardships after the death of a breadwinner, almost half of those in the U.S do not own life insurance. According to [LIMRA](https://www.limra.com/en/newsroom/news-releases/2020/2020-insurance-barometer-study-reveals-a-significant-decline-in-life-insurance-ownership-over-the-past-decade/), there are 102 million uninsured and underinsured Americans who believe they need to buy life insurance or increase their coverage, and only 54% of adults own some type of life insurance. While many have good intentions for those they leave behind in death, too few individuals take proactive steps to ensure their family’s financial stability. One of the reasons for this is confusion due to the myriad different types of life insurance offered. Below is a synopsis of the various types of life insurance policies available and how they differ. Table of Contents [Toggle](#) - [Term Life Insurance](#Term_Life_Insurance) - [Permanent Life Insurance](#Permanent_Life_Insurance) ## **Term Life Insurance** [Term life insurance](https://www.investopedia.com/terms/t/termlife.asp) is the simplest form of life insurance. It pays only if death occurs during the term of the policy, which is usually from one to 30 years. Most term policies have no other benefit provisions. There are two basic types of term life insurance policies: - **Decreasing term**: the death benefit drops, usually in one-year increments, over the course of the policy’s term. - **Level term**: the death benefit stays the same throughout the duration of the policy. In 2019, 71% of consumers who owned life insurance had a term life policy, up from 63% in 2017. Because of the policy’s simplicity and lower costs, it has traditionally proven to be the most popular of all types of life insurance policies. ## **Permanent Life Insurance** [Permanent life insurance](https://www.investopedia.com/terms/p/permanentlife.asp) pays a death benefit whenever the policyholder dies—even if they live to 100 or more. There are three major types of permanent life insurance: whole life, universal life, and variable universal life, and there are variations within each type. - [**Whole life**](https://www.investopedia.com/terms/w/wholelife.asp): Whole life can provide lifelong coverage. It combines an investment account, referred to as “cash value,” and an insurance product. Interest on a whole life policy is usually adjusted annually. Whole life also offers three kinds of guarantees: - A guaranteed minimum rate of return on the cash value. - The promise that your premium payments won’t go up. - A guaranteed death benefit that won’t go down. - [**Universal life**](https://www.investopedia.com/terms/u/universallife.asp): Similar to whole life, universal life is designed to last the entire life of the policyholder and will accumulate cash value that may be borrowed against, tax-free. Universal life policies tend to be more flexible. As a result, universal life insurance premiums are typically lower during periods of high-interest rates than whole life premiums, often for the same amount of coverage. Interest paid on universal life policies is usually adjusted monthly. This can result in large fluctuations of the policy’s cash value during periods of rising interest rates. - [**Variable universal life**](https://www.investopedia.com/articles/pf/07/variable_universal.asp): Like the above types of permanent life insurance, variable universal life (VUL) insurance offers lifelong protection as long as premiums are paid. And similar to universal life, policyholders have the ability to skip a premium payment if the cash value of their policy can cover the costs. And as with variable life insurance, VUL policies allow the owner invest in underlying sub-accounts offering a variety of investment options, which are typically tied to financial markets, meaning your policy value may fluctuate with the market. The main difference between VUL and universal life policies is that VULs offer more investment options. Although each of these types of life insurance policies has its differences, they all focus on providing your loved ones with the money they’ll need when you die. ***About Abacus Life*** *[Abacus Life Settlements](https://abacuslifesettlements.com/qualify-a-life-settlement/) has been a leading buyer of life insurance policies in the U.S for the last 16+ years. With over 10$ billion in policy face value purchased, we have helped thousands of clients maximize the value of their life insurance. We provide white-glove services to financial advisors and policy owners. Want to learn about the true value of your Policy? Check out our [Market Value Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/) to get a free estimate.* *The Different Types of Life Insurance Explained in 2021 \| [Abacus Life](https://abacuslifesettlements.com/about-us/)* **Categories:** Life Settlement Blog --- ### [A Guide to Music Therapy in Senior Living Facilities](https://abacuslifesettlements.com/a-guide-to-music-therapy/) **Published:** April 21, 2021 **Author:** Admin **Content:** Table of Contents [Toggle](#) - [What is Music Therapy? ](#What_is_Music_Therapy) - [Benefits of Music Therapy](#Benefits_of_Music_Therapy) - [Types of Music Therapy Treatments ](#Types_of_Music_Therapy_Treatments) - [Senior Housing Options With Music:](#Senior_Housing_Options_With_Music) - [Final Thoughts](#Final_Thoughts) ## What is Music Therapy?  Music therapy essentially uses music as a tool for improving the emotional, cognitive, and physical health of people suffering from a variety of debilitating conditions. Experts look at it as an ‘expressive therapy’. It can entail anything from simply listening to a certain kind of music, guided therapies, to throwing musical performances. Studies tell us that music therapy benefits dementia sufferers much in the same way it does those with PTSD, depression, and autism. ![Music Therapy](https://abacuslifesettlements.com/wp-content/uploads/2021/04/AdobeStock_297398702-300x200.jpg "| Abacus Life") ## Benefits of Music Therapy There are numerous benefits of music therapy for all. But, it’s particularly helpful for the elderly who may be receiving memory care in an assisted senior living facility. Some of those benefits are: **Better Cognition** – Music has the power to encourage positive responses and evoke pleasant memories from the past. It’s not uncommon for seniors to exhibit positive reactions when they listen to their favorite tracks of soothing music. **Encourages Communication** – Even patients who have difficulty speaking will often hum or sing along with their favorite tune. In this way, music therapy can encourage communication. **Helps Manage Stress** – A decline in cognition and brain health can lead to agitation and emotional stress especially when there’s some pre-existing neurological or mental health condition. Exposing such a person to soothing music can have calming effects. Over a long time, music therapy can improve emotional health dramatically. **Encourages Movement** – Music makes you want to dance and move along with the beats. In this way, it can be a fun way to get some exercise. Even some kind of movements like clapping or toe-tapping can nourish physical coordination. Regular use of music therapy can help to build endurance and better mobility. **Better social skills** – Group music therapy is excellent for developing social skills. If you have a hard time socializing, you should find music helpful. It encourages interaction among people as they move along to a tune. This can be particularly good for people battling with depression. ## Types of Music Therapy Treatments  Because the senior population is so diverse with varying capabilities, options for music therapy are myriad, such as: **Song Selection** – Like most individuals, seniors tend to enjoy music from the days of their youth. Most adults can easily recall their favorite tunes and artists. As part of the song selection exercise, seniors get the freedom to recall, pick, and play their favorite songs. This helps to bring positive emotions to the surface. Old songs can make them relive their favorite memories and feel more peaceful. **Sing-Along –** Just like people find joy in picking their favorite artists and playing their favorite tunes, much in the same way – sing-along exercises encourage them to sing with the lyrics. As they try to recall lyrics, they exercise various parts of the brain. If the inspiration hits, they can even start dancing. Most therapists will display the lyrics like they do with karaoke. They may also distribute printouts of the lyrics to the group. At times, therapists find immense success in encouraging performances that patients dedicate to their friends and family during holidays. **Name the Song –** This is a popular activity across most **memory care facilities for seniors**. As obvious, Name the Song is an exercise wherein a music therapist plays short clips based on which the participants have to then guess the name of the song. The idea is to conjure up their favorite memories from the past linked to that song. It’s also great for the brain and cognitive health. **Playing classical tunes** – It’s common knowledge that classical music carries therapeutic and relaxing properties. People of all ages can use old classical tunes to feel more calm and peaceful. Seniors will find it particularly relaxing especially right before going to bed. Listening to classical music is one way to ensure a good night’s sleep. ## Senior Housing Options With Music: Due to the myriad benefits that music therapy carries, most assisted senior care facilities will have it as part of their social activities. Below are some senior housing options that use music therapy:  **The Village Concept:** The village concept combines the elements of community-based living with local businesses. In this way, it encourages the elderly to come and live together. They get to stay in their own homes and grow old. The idea is to instill a sense of connection, community, and independence. The concept of village living is best for people who want help similar to a retirement community but without having to leave their homes. A village doesn’t offer services directly rather via some sort of concierge facility or liaison. The real help comes from other able-bodied village members like the youth groups involved in community work. **Residential Care Home:**  Residential care homes are small facilities that offer personalized service to a small group of adults. Other names for one such community is – care homes, adult family homes, and personal care homes. It’s good for people who need more personal, individual, and home-style care.  Residential care homes offer services like meals, lodging, and help with ADLs.  **Assisted Living Community:** A typical assisted living community houses small apartments and offers a wide range of services. The facility is ideal for older adults who want to enjoy their independence but also receive some level of help. There can be communities that offer higher levels of care. You can expect to have staff available day and night along with 3 meals a day. Additionally, you receive help with dressing, bathing, medication, transportation, and housekeeping. There’s also a common dining area and space for social/recreational activities. **Skilled Nursing Facility:** This option is for seniors who need round-the-clock supervision and care along with intense health management. People with debilitating conditions or who require memory care and can no longer care for themselves would find this option best. To care for the elderly a nurse is always present. Other than that, a licensed physician provides regular supervision to monitor the health of the residents. There can be special services for people with memory issues, including Alzheimer’s care, or those with physical conditions. ## Final Thoughts Music Therapy is an excellent tool no matter at which stage of Dementia a person is. It’s good for mental health also. By encouraging movement, communication, and coordination music can instill a sense of control in the elderly with various conditions. ***About Abacus Life*** *[Abacus Life Settlements](https://abacuslifesettlements.com/qualify-a-life-settlement/) has been a leading buyer of life insurance policies in the U.S for the last 16+ years. With over 10$ billion in policy face value purchased, we have helped thousands of clients maximize the value of their life insurance. We provide white-glove services to financial advisors and policy owners. Want to learn about the true value of your Policy? Check out our [Market Value Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/) to get a free estimate.* *A Guide to Music Therapy in Senior Living Facilities 2021 \| Abacus Life* **Categories:** Life Settlement Blog --- ### [History of Life Settlements](https://abacuslifesettlements.com/timeline-of-life-settlements-blog/) **Published:** March 4, 2021 **Author:** Admin **Content:** ## Timeline of Life Settlements Life insurance is often a senior’s [largest asset](https://www.statista.com/statistics/194489/life-insurance-companies-in-the-us-with-most-assets/) and one they can use to alleviate retirement challenges – but they don’t treat it that way. They rarely realize it belongs to them, not the insurance company, and can be sold for more than its cash surrender value, but less than its death benefit, if they believe there is a better for the equity they have built. A life insurance policy is[ personal property](https://abacuslifesettlements.com/qualify-a-life-settlement/) and selling it for a fair market value is a legitimate, safe and viable choice to create more options for the future. A life settlement is not a loan, it is a one-time cash transaction that results in a full transfer of ownership in exchange for a lump-sum payment. The money belongs entirely to the policy seller and can be spent at his or her discretion. Life Settlements can also be in the form of a paid-up death benefit. Here is the Historic Timeline of Life settlements. 1 #### 1911 Grigsby v. Russell, 22 U.S. 149, established life insurance policies as private property, opening up the possibility for policies to be bought, sold, and traded, just like any other high-value asset, and laying the early groundwork for life settlement options. 2 #### 1980s Starting in the late 1980’s, life insurance options were largely seen in the form of viatical options, which involves the sale of a policy by a person facing terminal illness. At that time and into the early 90’s, most individuals who sold their policies were facing either cancer or HIV/Aids. However, by the mid 90’s, the range for life insurance options had broadened, and were being considered by individuals facing nearly every type of illness. 3 #### 2001 Increasing investor interest in life insurance options as an alternative investment continued to grow. By 2001, what was a tiny industry had started to attract the interest of major financial institutions and banks. 4 #### 2004 Abacus is formed. A group of Financial and insurance professionals who met in the mid-'90s in New York's financial district came together to create what is now Abacus Life as a way to ensure more people had access to life insurance options. 5 #### 2009 The industry was not immune to the financial crash of 2008. Major banks and financial institutions pulled back from any non-core investing, which causes demand for and awareness of the options to lessen for a time. 6 #### 2010 Finding Confidence bounded back around 2010, which opened the door for many life insurance buyers to expand operations. 7 #### 2015 U.S. states began enacting safeguards, including disclosure requirements and improved regulations to ensure the safety and legitimacy of life insurance options. 8 #### 2020 Abacus grows to 50 home-office employees, is authorized to purchase policies in 47 states, and offers complete back-office support in areas of APS retrieval, life expectancy evaluation, pre-pricing, and producer licensing. 9 #### 2022 Abacus Life has continued to grow and lead the industry. With nearly 60 employees, Abacus is now licensed to purchase life insurance in 49 states! 10 #### 2023 Abacus Life becomes the first and only publicly traded life settlement company, listed on the NASDAQ under the ticker ABL. 11 #### 2024 Abacus Life continues high growth as they acquired both Carlisle Management Company S.C.A and FCF Advisors bringing them to nearly $3 billion in assets under management. The Carlisle acquisition provides ABL with a presence in international markets, helping transform the company from a US leader to a global player. Meanwhile, the company’s acquisition of FCF Advisors helps expand its suite of products as FCF’s core offering is thematic free cash flow investments, and the company offers over 50 total customizable index strategies across 8 global categories. **Categories:** Life Settlement Blog --- ### [Why Life Settlements are a Safe Option](https://abacuslifesettlements.com/why-life-settlements-are-a-safe-option/) **Published:** February 4, 2021 **Author:** Admin **Content:** ## Why Life Settlements are a Safe Option One of the most common concerns of a client is whether selling their life insurance policy is safe. With the current pandemic, seniors in the United States have been put on a financial burden to cover costs of medical care, income loss, and more. Understanding what the [life settlement option](https://abacuslifesettlements.com/learn-how-life-settlements-work/ "https://blog.lisa.org/consumer/what-is-a-life-settlement") can be a viable solution for those needing cash now. Oftentimes, clients ask: **Are Life Settlements safe?** The answer is yes. Over the past decade, the market has become incredibly well regulated. Regulations depend on individual states’ basis. Accordingly, here at Abacus Life, we are proud to share that we are licensed for life and viatical settlements in many [different states.](https://abacuslifesettlements.com/licensure/) In the U.S. Supreme Court case, [Grigsby v. Russell in 1911](https://supreme.justia.com/cases/federal/us/222/149/), life insurance was deemed to be personal property. In similar terms, just like an asset such as a car or a house, it is within your legal right to sell your life insurance policy. According to [Forbes](https://www.forbes.com/sites/forbesfinancecouncil/2021/01/26/what-you-should-know-before-selling-your-old-life-insurance-policy/?sh=1435d4d32bf3 "https://www.forbes.com/sites/forbesfinancecouncil/2021/01/26/what-you-should-know-before-selling-your-old-life-insurance-policy/?sh=1435d4d32bf3"), ” The process has matured over the past 100-plus years. Today, third-party institutional buyers have emerged to acquire ownership of policies in exchange for paying the owner a lump sum of cash. In turn, the policy owner is no longer obligated to make future premium payments. The policy buyer then owns the life insurance policy, takes on the obligation of future premium payments.” With the industry becoming well regulated, you can ensure your transaction here at Abacus Life is in safe hands. There are approved forms that must be used, and the company must provide you with comprehensive details concerning your transaction. It is important that a life settlement company makes sure you understand the entire process so you can make an informed decision. Companies are required to protect the information and privacy of sellers and policyholders. That ensures that your personal information and medical records are protected. There are three important steps to ensure your life settlement transaction is safe and protected.     **1.Making sure the life settlement company you are working with provides you Confidentiality, Transparency, and Urgency.** Ensuring the company, you work with is reliable and safe is important for you to feel comfortable throughout the entire process. Life insurance is often a senior’s largest asset, so it is critical to have transparency.     **2. Make sure the company you work with is licensed in the state the policy owner resides in to ensure a safe transaction.** [State regulations and licensing](https://abacuslifesettlements.com/licensure/ "https://blog.lisa.org/member/life-settlement-regulation-by-state-map") assure that you know the company is taking the necessary steps.    **3. Understanding how personal and medical information is used by life settlement companies.** It is important to note whether the company you work with requires a HIPAA authorization form. It must state how information that is collected is used to ensure you feel safe about your entire transaction. Financial information must be secure as well. You’ve built equity in your life insurance policy. That policy is your property, not the insurance companies. You have the power to decide how the policy should be used for you and your family. Deciding to choose life settlement is a legitimate and reliable choice to create financial options for your future. Life insurance is often a senior’s largest asset and one they can use to alleviate retirement challenges. **Categories:** Life Settlement Blog --- ### [How Much is My Life Insurance Policy Worth?](https://abacuslifesettlements.com/how-much-is-my-life-insurance-policy-worth/) **Published:** February 3, 2021 **Author:** Admin **Content:** ## How Much is My Life Insurance Policy Worth? One of the most common questions people ask when they begin considering a Life Settlement is “How much is my Life insurance policy worth?” It’s a simple question, and it makes sense that a policyholder would want to know how much cash to expect from their policy prior to starting the 30-60 day [Life Settlement process](https://abacuslifesettlements.com/learn-how-life-settlements-work/). There are generally accepted rules of thumb when it comes to Life Settlement qualification. If you are over the age of 75, there is a good chance [you are going to qualify for a Life Settlement.](https://www.thinkadvisor.com/2020/10/02/healthy-life-insurance-policyowners-can-qualify-for-life-settlements/) If you are between the ages of 65-75 and in overall below-average health you will likely qualify as well. Under the age of 65, you may still qualify but your health must be critical. Life Settlement companies often work with clients under the age of 65 that suffer from diseases like Cancer or ALS. Unfortunately, even if you qualify, there isn’t a simple answer to the policy cash value question. Life Settlements are based on a number of factors and policy cash value is difficult to accurately predict without receiving the policy holder’s medical information. Most Life Settlement companies try to avoid offering up any predictions without medical records or an in-depth interview. Pricing a Life Settlement accurately requires complex underwriting and advanced data tables, it’s not something that can be done without receiving the proper information. Settlements can range from 10% all the way up to 80% depending on the individual. With the complexity of the pricing, and the broad range of possible settlement values, you can see why giving an estimate can be irresponsible. The last thing any Provider wants to do is under or over quote you off the bat. Life Settlement companies that make offers without first interviewing the client or ordering their medical records are often looking to short-change policyholders. You should never accept an offer without being given a proper interview. Most importantly, if you feel a company isn’t entirely worthy of your trust, don’t work with them. The Life Settlement industry is heavily regulated and most companies working within it maintain strict standards, don’t settle for a bad experience. To boil a simple question down to a simple answer…Your policy value is contingent on the information you give to your Life Settlement company. Want to find out the value of your life insurance policy? Fill out our [One-Step Life Settlement Qualifier](https://abacuslifesettlements.com/qualify-a-life-settlement/) to start the process! **Categories:** Life Settlement Blog --- ### [Is Retirement Right for Me?](https://abacuslifesettlements.com/is-retirement-right-for-me/) **Published:** January 28, 2021 **Author:** Admin **Content:** ## Is Retirement right for Me? As the nearly **[76.4 million baby boomers in the American population near the age of retiremen](https://www.census.gov/library/stories/2019/12/by-2030-all-baby-boomers-will-be-age-65-or-older.html "https://www.census.gov/library/stories/2019/12/by-2030-all-baby-boomers-will-be-age-65-or-older.html")t**, the question that seems to be on everyone’s mind is, Is retirement right for me? The answer: As long as a person keeps up their standard of living, retirement can have a positive impact on physical and emotional wellbeing. Keeping up your standard of living means more than simply saving up to afford retirement. It means being able to continue the social and physical interaction you had prior to leaving the labor force. Having family and friends outside of work who you can foster relationships will allow you to continue to have positive social interactions, despite no longer having coworkers who you see daily. **[Many people report that keeping a schedule also helps ward off the depression that can occasionally accompany retirement.](https://www.nber.org/system/files/working_papers/w12123/w12123.pdf "https://www.nber.org/system/files/working_papers/w12123/w12123.pdf")** Simply having a goal for the day and staying motivated keeps you engaged which encourages a healthy retirement lifestyle. Studies have shown that **[staying busy can actually increase your lifespan. ](https://time.com/4341680/busy-brain-cognitive-function-aging/ "https://time.com/4341680/busy-brain-cognitive-function-aging/")**Leaving the labor force allows people ample opportunity to take up hobbies or pursue new interests. If hobbies aren’t your thing, maybe getting a part-time job or volunteering will cure your retirement blues. Even if money is no problem, many people say that having a job gives them a purpose in life. All in all, what you do with your time doesn’t matter, what matters is keeping busy and getting out of the house. **[Being forced into retirement due to some unforeseen circumstances](https://www.planadviser.com/exclusives/expect-unexpected-early-retirement/ "https://www.planadviser.com/exclusives/expect-unexpected-early-retirement/")**, such as health issues can cause much more distress than simply choosing to retire. While it’s true that money doesn’t make you happy, it’s better to be able to afford the necessities and few luxuries that allow you to live comfortably. With rising inflation and the decrease of many affordable health care plans, retirement can seem to be a financial burden that many aging Americans aren’t equipped to deal with. **[Life Settlements are an excellent option for retirees looking to further supplement their lifestyle](https://abacuslifesettlements.com/ "https://abacuslifesettlements.com/")**. Life Insurance premiums are often one of the first expenses that are cut when retirement budgets are being planned and gone over. Rather than surrender your policy for little to no value, consider a Life Settlement and further supplement your retirement. You may even qualify to keep part of your Life Insurance without paying any further premiums! So is Retirement right for me? Check out our **[Market Value calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/ "https://abacuslifesettlements.com/qualify-a-life-settlement/")** to see how much your policy is worth. **Categories:** Life Settlement Blog --- ### [Top 7 Ways You Can Spend Your Life Settlement Money](https://abacuslifesettlements.com/top-7-ways-to-spend-your-life-settlement-money/) **Published:** December 11, 2020 **Author:** Admin **Content:** ## Top 7 Ways to Spend your Life Settlement Money Congratulations! After years of working hard and careful spending, you get to open your wallet after receiving a bounty of cash from selling your **[life settlement](https://abacuslifesettlements.com/learn-how-life-settlements-work/)** policy. These are the top 7 ways to spend your life settlement money. Still not sure whether selling your life insurance policy or even part of it, is right for you? Head over to our **[Life Settlement FAQ](https://abacuslifesettlements.com/frequently-asked-questions/ "https://abacuslifesettlements.com/frequently-asked-questions/")** page to learn more. ![](https://abacuslifesettlements.com/wp-content/uploads/2020/12/image.jpeg "| Abacus Life") **1. Christmas.** The holiday season is upon us! We all know how much you want to spoil your grandkids with a fun new toy or a brand new PS5 they have been talking about. By selling your life settlement policy, you can even afford to give your not-so-friendly neighbor a gift this Christmas! **2. Get that second (or maybe third) car.** You might consider buying the flashy new Telsa you have been eyeballing (complete with an automatic chauffeur) after spending years sharing one car with your partner. Time to explore the open world, the possibilities are endless. **3. Timeshares.** For people in their retirement, timeshares seem like a dream vacation and it’s easy to be lured into the false promise of a cheap vacation. But unlike a vacation home in the Bahamas (which you can now afford), a timeshare is not an investment. Think of it as a fancy hotel that you are stuck footing the bill for over the next 20 years even when you aren’t using it. **4. Health care/ Health bills.** When times get tough, especially during the COVID-19 era, consider using your life settlement money to pay off your hospital bills. There is no reason to get into additional debt when your life settlement should be treated as an asset.  You can also use some of the funds to pay towards health insurance, so you save money in the long run. According to **[Investopedia](https://www.investopedia.com/insurance/why-do-healthcare-costs-keep-rising/)**, there are five key factors that were associated with healthcare increases. - Service price and intensity - Population growth - Population aging - Disease prevalence or incidence - Medical service utilization > “It is no news that Healthcare gets more expensive the more the population grows and as people get older and living longer. It’s not surprising that 50% of the increase in healthcare spending comes from increased costs for services, especially inpatient hospital care. Nor is it a shock that the two next highest factors increasing such spending are population growth (23%) and population aging (12%)” **5. Supporting your adult children.** Times are different for young millennials and Gen-Z’s. Wages have stagnated, Companies are now forced to let go of their employees and it takes longer to save for a house while dealing with massive college loans. With your bonus life settlement cash on hand, you can support your adult children as they survive through this year. According to [**The Emerging Millennial Wealth Gap**, ](https://www.newamerica.org/millennials/reports/emerging-millennial-wealth-gap/)Millennials are earning significantly less than baby boomers did at the same stage of life. This is in spite of overall high education levels. > “Millennials today holds 41 percent less wealth than a similarly aged adult in 1989. Whether or not this cohort gets back on track or misses out on the experience of wealth-building altogether will have long-term impacts and broad ramifications.” **6. Housing.** Downsizing your living situation is very common amongst people in their golden years, especially during these times, but with your life settlements funds in the bank, you can pay off your current mortgage and consider living in a resort-style assisted living community or moving closer to family. According to a recent poll by **[Retirement Living](https://www.retirementliving.com/aging-in-place-or-an-assisted-living-facility-where-do-retirees-see-themselves-living)**, 36.78% of retirees say it’s extremely important to be near friends and family in this stage of their life. ![Bar chart question 2b](https://www.retirementliving.com/wp-content/uploads/2018/09/Data_Q2_180906.jpg) **7. Food:** “According to the**[ Bureau of Labor Statistics data](https://www.bls.gov/opub/btn/volume-5/spending-patterns-of-older-americans.htm)**, “older households” – defined as those run by someone 65 and older – spend an average of $45,756 a year, or roughly $3,800 a month.” An average Retiree has only about **$[198k in their savings accounts](https://www.financialsamurai.com/the-latest-401k-balance-by-age-versus-the-recommended-amount-for-a-comfortable-retirement/)**, and with most couples living off a pension and social security checks, Food expenses can easily add up. But with your bonus life settlement money, you can afford to pick up a 32 oz Filet Mignon from the grocery store for dinner or even decide to have your food catered by a chef at least once a week. **About Abacus:** You’ve built equity in your life insurance policy. That policy is your property, not the insurance company’s. You have the power to decide how the policy should be used for you and your family. Deciding to pursue a life settlement is a legitimate and reliable choice to create financial options for your future. Life insurance is often a senior’s largest asset and one they can use to alleviate retirement challenges. **Why Abacus Life** At **[Abacus Life](https://abacuslifesettlements.com/about-us/)**, we empower you with the information you need to decide if selling your life insurance policy, or a portion of it, is right for you. We will walk you through the entire process. We will show you the numbers and the numbers behind the numbers — all policy valuations, underwriting, cost, and returns — **so you can make an informed decision for your family’s financial future.** At Abacus, we understand that you, like many other people, may have a policy that no longer meets its goals. We are dedicated to helping you learn the facts about your life insurance options so you can make an informed decision and get the most out of your policy. We are committed to serving you with the confidentiality, transparency, and urgency you deserve. Whether you are interested in a traditional life settlement, retained benefit option, or a hybrid option, Abacus Life can help you identify the right option for your circumstances. **We don’t want our clients to “settle,” we want to help them find real value in their personal property.** Learn more about our one-step qualifier using our **[Life Settlement Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/)** or call **[800-561-4148](tel:8005614148)** to schedule a call. **Categories:** Life Settlement Blog **Tags:** Life Settlements --- ### [Life Settlements Are a Mainstream Financial Option](https://abacuslifesettlements.com/financial-option/) **Published:** June 5, 2020 **Author:** Admin **Excerpt:** Americans are living longer than ever before. This is great news for those who can afford it, but bad news if you’re a baby boomer facing mounting debt and dwindling savings. The Stanford Center for Longevity reports that baby boomers hold less wealth, carry more debt and will face... **Content:** ## Life Settlements are Quickly Becoming a Mainstream Financial Option Americans are [**living longer**](https://www.census.gov/content/dam/Census/library/publications/2020/demo/p25-1145.pdf#page=12) than ever before. This is great news for those who can afford it, but bad news if you’re a baby boomer facing mounting debt and dwindling savings. This is why [**Life Settlements**](https://abacuslifesettlements.com/learn-how-life-settlements-work/ "Life Settlements") are Quickly Becoming a Mainstream Financial Option. The Stanford Center for Longevity [**reports**](http://longevity.stanford.edu/sightlines-financial-security-special-report-mobile/#retirement-preparedness-report) that baby boomers hold less wealth, carry more debt, and will face greater expenses than retirees a decade older than them. And considering that there are more than [**71.5 million baby boomers**](https://www.pewresearch.org/fact-tank/2018/03/01/millennials-overtake-baby-boomers/) living in the U.S., the number of individuals who could run out of money in old age is staggering. So, what options do boomers have? **An Option Unknown To Many** Through my 22 years in the insurance industry, I’ve found that most people are unaware of an option available to life insurance policy owners. Individuals who own life insurance can sell their policy to reclaim equity and provide funding for their golden years. A **[life settlement](https://abacuslifesettlements.com/learning-center/ "life settlement"),** as it’s known, can help cover medical expenses, long-term care or any financial expenses faced by the policy owner. But unfortunately, most policies lapse or are surrendered without the owner’s benefits. According to a 2018 study by investment management firm Conning, $200 billion worth of life insurance will lapse or be surrendered each year through 2027 — all of which could qualify for a life settlement and be pocketed by the policy owner. And, according to research from the London Business School, a life settlement pays policyholders an average of over four times the policy’s cash surrender value. Let’s also consider the following statistic: [**88%**](https://faculty.wharton.upenn.edu/wp-content/uploads/2016/11/Insurance41.pdf#page=7) of all universal life policies that are issued are lapsed or surrendered — without payment of a death benefit — because policyholders no longer want or need their policies, or they can no longer afford them. That’s where life settlements can play a pivotal role. **Why Are Life Settlements Becoming A Mainstream Financial Option?** Besides the details above, the following explains why life settlements are becoming a mainstream financial option for retirees: • The pandemic’s impact on jobs and retirement accounts: The recent COVID-19 pandemic has hit [**retirement accounts**](https://www.cnbc.com/2020/04/24/401k-balances-sink-19-percent-due-to-coronavirus-fidelity-says.html) hard and caused [**millions to lose their jobs**](https://www.npr.org/sections/coronavirus-live-updates/2020/04/23/841876464/26-million-jobs-lost-in-just-5-weeks). Many of these workers are seniors who have had to continue working due to [**the senior retirement gap**](https://www.forbes.com/sites/forbesfinancecouncil/2019/09/04/the-senior-retirement-gap-and-how-to-help-close-it/#5d2273e36d90). Life settlements can be a source of urgently needed funds. • The new, higher estate tax exemption: In 2017, the estate tax exemption [**increased**](https://www.cbpp.org/research/federal-tax/policy-basics-the-federal-estate-tax) to $5.5 million. In 2018, it skyrocketed to $11.18 million for singles and $22.4 million for married couples. This means policy owners who bought life insurance to pay estate taxes might no longer need the policies because they no longer have an estate tax issue. • COI increases by carriers: Because interest rates remain at historic lows, carriers are unable to make money the way they used to from investments. To make up for it, many carriers have increased their cost of insurance (COI) charges to customers. An option for policy owners to avoid increased COI charges in their premiums is to sell their policies. • Comfortable regulatory environment: [**43 states and Puerto Rico**](https://www.lisa.org/industry-resources/life-settlement-regulation) have life settlement laws that provide substantial consumer protections in the sale of a life insurance policy. Nine states require carriers to disclose that there are alternatives to the lapse or surrender of a life insurance policy when a policy is in jeopardy of lapsing, which includes the life settlement option. Additionally, in 2019, the National Conference of Insurance Legislators reaffirmed its commitment to making sure policyholders were informed of life settlement as an option. Even the National Association of Insurance Commissioners, the watchdog of the life insurance industry, has [**endorsed**](https://content.naic.org/sites/default/files/inline-files/cmte_b_senior_issues_related_private_mkt_options_ltc_svc_0.pdf#page=4) life settlements as a way for seniors to finance their long-term care costs and other expenses. • Baby boomers holding large amounts of life insurance: About [**60% of Americans** ](https://www.iii.org/fact-statistic/facts-statistics-life-insurance)were covered by some type of life insurance in 2018. The value of total life insurance coverage in the U.S. was roughly [**$19.6 trillion**](https://www.acli.com/-/media/ACLI/Files/Fact-Books-Public/07FB19FChap7LifeInsurance.ashx?la=en) at the end of 2018. **What To Consider When Pursuing A Life Settlement** The biggest thing to consider when determining [**if selling your policy is right**](https://abacuslifesettlements.com/learn-how-life-settlements-work/#should-i-sell-my-policy "if selling your policy is right") for you is whether you need the coverage. If someone needs their life insurance coverage and can afford it, they shouldn’t sell it. Life settlements are for people who either no longer want or need their coverage or simply cannot afford it any longer. Another important thing sellers should be aware of is that when you search for a life settlement company, there are brokers, and there are buyers. It can be hard to tell the difference. Often, you will need to ask the company which they are. A buyer is self-explanatory, while a broker is a company that will find you an offer for a fee. You should also research the background of any company you’re considering working with. A life settlement is a lifelong transaction, so be sure you have checked that company’s legal and regulatory history. Are they a member of the Better Business Bureau with an A+ rating? An important consideration when going the buyer route is whether they are an institutional buyer. Are they using institutional money from a large life settlement fund with hundreds of other policies in the portfolio? You don’t want a private investor owning a policy on you or your loved one. The fact that many boomers and seniors will experience financial hardship without knowing such an option is available to them is heartbreaking to say the least. Life settlements represent a safe option to retirees who need money. *The information provided here is not investment, tax or financial advice. You should consult with a licensed professional for advice concerning your specific situation.* This article was written for Forbes. Find out more [**here**](https://www.forbes.com/sites/forbesfinancecouncil/people/shanemcgonnell/#10be69fb7af8). Unlock the full financial potential of your life insurance policy using our proprietary [**Market Value Calculator**](https://abacuslifesettlements.com/qualify-a-life-settlement/ "Market Value Calculator")—powered by advanced actuarial modeling and longevity analytics. As the only publicly traded firm focused on lifespan-based financial products, Abacus delivers accurate, data-driven valuations you can trust. Ready to get started? Visit our [**Learning Center**](https://abacuslifesettlements.com/learning-center/ "Learning Center") or call us at [**800-561-4148**](tel:8005614148) to speak with a policy valuation expert today **Categories:** Life Settlement Blog --- ### [How to Pay for Long-Term Care Without Draining Your Savings](https://abacuslifesettlements.com/funding-long-term-care-for-your-parents/) **Published:** November 6, 2019 **Author:** Admin **Excerpt:** Financial milestones don't stop at having children, getting married, or retiring. For many, planning for long-term care for your parents is a financial consideration. According to a study conducted by Genworth, the national average cost of an... **Content:** # Funding Long Term Care for Your Parents Financial milestones don’t stop at having children, getting married, or retiring. For many, planning for long-term care for your parents is a financial consideration. According to a study conducted by [Genworth](https://investor.genworth.com/news-events/press-releases/detail/982/genworth-and-carescout-release-cost-of-care-survey-results), the national average cost of an assisted living facility in 2019 is 48,612. Up from just $28,800 in 2004. Private room nursing home costs have reached an outstanding $102,200 compared to only $65,185 in 2004. The national hourly rate for a home health aide is $23/hour — more than many working professionals make per hour. Home care costs are on the rise with no sign of slowing down due to a number of factors including: - a higher volume of sick patients - a shortage of home health aides - a higher turnover of caregivers in the home health industry - regulatory changes - compensation pressures Despite assistance from national programs like Medicaid and Veteran assistance, medical expenses for funding long-term care can still be too big a challenge to face alone. So what are your options? ### Selling your life insurance policy Your parent(s) have earned and built equity in their life insurance policy. That policy is their personal property, not the insurance company’s, and you and your loved one should decide how the policy can best benefit you and your family. Deciding to sell it for fair market value is a legitimate and viable choice to create more options for your future – especially when facing funding long term care expenses. The three avenues: Retained Benefit: The **Retained Benefit** option means you would no longer pay any premiums and retain a portion of your benefit. Beneficiaries will receive a guaranteed percentage when the policy ends, but you have no further obligations or payments to make. Traditional: The **Traditional** option is to sell your full life insurance policy for a cash amount above the policy’s surrender value. You have no further obligations or claims to the policy, with all future premiums paid by the buyer. Hybrid: The **Hybrid** option is a combination of two, where you would sell a portion of your life insurance policy. With this option, you receive a cash payment now, your beneficiary receives a guaranteed percentage of the benefit when the policy ends, and you have no further obligation to pay future premiums. Companies like Abacus Life are here to give you a fair policy valuation including transparency of the numbers and the numbers behind the numbers. ### Use Personal Savings Saving enough money to pay for loved-ones long term care is a long-haul option. It’s difficult to know the exact expenses that will surface in the future, but planning ahead and setting aside a portion of your investment plan for funding long term care for parents can prove to be a saving grace once it’s needed. ### Reverse Mortgages A reverse mortgage home loan gives a homeowner the option to transfer part of the home value to cash without requiring repayment. The caveat is: if you have existing mortgages or home-related debt you are required to use the funds for those expenses first. Choosing the [right path](https://abacuslifesettlements.com/life-settlement-resources/) for funding long term care for a parent can be a challenging thought, but options are out there for you to explore. At Abacus Life, we’re here to help you discover your life insurance options. [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for life insurance. Our primary mission: work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. [According to the 2021 Cost of Care Survey, ](https://www.genworth.com/aging-and-you/finances/cost-of-care.html) > The world’s population is aging at a faster rate than ever before and people are living longer. Every day until 2030, 10,000 Baby Boomers will turn 65a and 7 out of 10 people will require long term care in their lifetime. **Categories:** Life Settlement Blog **Tags:** life insurance options, life options, Life Settlements --- ### [Abacus Life Named a “Top Workplace” in Central Florida Region 2019](https://abacuslifesettlements.com/top-workplace/) **Published:** August 13, 2019 **Author:** Admin **Content:** ## Abacus Named Top Workplace Orlando, Florida (AUGUST 13, 2019):  Abacus Life was named as a “[Top Workplace](https://www.orlandosentinel.com/business/top-workplaces/os-bz-top-orlando-workplaces-2019-ratings-20190813-dtajm4adlbhpfc52f6qwalnioi-story.html)” in a survey of best places for employees throughout Orlando and the Central Florida Region. In an annual survey conducted by the Orlando Sentinel and Energage, a national employee experience firm that works with companies like Microsoft, eBay and Capital One and other major employers, Abacus placed third in Central Florida, ranking higher than other major Orlando companies. “We are honored to be recognized as a Top Workplace and attribute it to our shared company values and culture,” said Jay Jackson, president & CEO of Abacus Life. “We care about our employees and invest in their professional and personal successes. In today’s job market, many companies can boast of competitive salaries and benefits, but we take it further, making sure to create opportunities – like continued education and certification programs – to promote our employees’ growth.” In February, companies across the region were invited to participate in the survey conducted by the Sentinel and Energage. Participating companies were required to employ at least 35 employees. “Top Workplaces put the employee at the center of things and focus on creating the right environment to unleash potential and inspire performance,” said Doug Claffey, CEO of Energage. Employees at participating companies answered a confidential survey of 24 questions, which was compared with Energage benchmarks to rank each participating company. “It’s gratifying to know that our employees are satisfied with the workplace we’ve created, and this award just adds to an already incredible few years we’ve had at Abacus,” stated Jackson. “There’s no doubt: our success is due to our excellent employees.” Over the last 15 years, [Abacus Life](https://abacuslifesettlements.com/discover/) has seen [monumental growth](https://abacuslifesettlements.com/conning-life-settlements-are-on-track-for-double-digit-compound-growth-rate/) in the life settlement industry, outpacing competitors by 300 percent. In fact, earlier this year Abacus was named the fastest-growing life settlement company by The Deal, an industry publication. [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for life insurance. Our primary mission: work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. To learn more about the true value of your policy, please visit our [Market Value Calculator ](https://abacuslifesettlements.com/qualify-a-life-settlement/) **Categories:** Life Settlement Blog --- ### [ALS Patients Share Data to Help Find Incredible Cure](https://abacuslifesettlements.com/als-find-a-cure/) **Published:** May 1, 2019 **Author:** Admin **Content:** Answer ALS is building the most comprehensive collection of clinical, genetic, behavioral, molecular and biochemical data on people living with ALS ever created. With assistance from artificial intelligence and machine learning, researchers will utilize data from patients to develop new treatments in hopes of finding a cure. Amyotrophic lateral sclerosis is a disease that slowly attacks nerve cells responsible for controlling muscles in every part of the body. The fatal disease usually has a life expectancy of 3-10 years, slowly depriving patients of the ability to talk, move, and breathe in the final stages. ### Assistance from Microsoft Microsoft has invested $1 million in cloud-computing to assist Answer ALS in their data research efforts. Learn more about the founders and non-profit developments [**here.**](https://news.microsoft.com/features/people-living-with-als-share-their-data-in-extraordinary-effort-to-end-the-devastating-disease/?ocid=lock) Microsoft is working teams from Johns Hopkins University and MIT to make the data accessible via the Microsoft Azure cloud, which will safely allow the valuable data to be transferred across geographical barriers. ### Latest Updates As of April 2019, the data portal has been launched and the first set of data is available upon request. Only 1% of the data is uploaded currently, but more is being added and many researchers have already implemented the data in their own programs. Read the newsletter **[here](https://www.answerals.org/2019/04/29/answer-als-2019-1st-quarter-newsletter/)**! [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for life insurance. Our primary mission: work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. Talk to our team today at [800-561-4148](tel:8005614148). **Categories:** Life Settlement Blog **Tags:** AI, als, medical research, Microsoft, viatical settlements --- ### [](https://abacuslifesettlements.com/divorce-life-insurance-what-are-your-options/) **Published:** April 8, 2019 **Author:** Admin **Content:** # Divorce + Life Insurance \| What Are Your Options? Working through finances in the midst of the divorce can be troublesome and confusing for many. Separation is normally a muddled procedure. The guardianship of kids and the division of benefits might be challenged in court for quite a long time before an agreement is come to. At that point, there is the question of taking care of children and proceeding with a divorce settlement. The family breadwinner might take over such obligations, but what happens in the event of a sudden change? Life insurance coverage shared between the couple or for the new divorcees needs to stay intact or be sold for a life settlement #### **How does it work?** Most couples list their spouse as their sole beneficiary with children listed as next in line. You’ll want to change your beneficiary specifications to give your children the primary spot. This is also an ideal time to assess your assets and any estate planning. Next, if you have child support payments or alimony obligations, you might need to make adjustments to your policy or seek out a [**life settlement**](https://abacuslifesettlements.com/learn-how-life-settlements-work/) to safely cover those financial responsibilities. If you and your former spouse owned a permanent life insurance policy that has accumulated cash value, then those funds may be split between you, if formally agreed upon during the divorce process. #### **Seek a Life Settlement** If you’re getting divorced and have no children or dependents, you may not need the life insurance policy anymore and can sell it to a **[qualified buyer](https://abacuslifesettlements.com/learning-center/)**. This is usually much more profitable than merely splitting the amount of cash value in the policy, and Abacus can typically pay out two to three times the amount of the cash value that your insurance company would offer you. Going through a divorce can be troublesome, but it doesn’t have to be overwhelming financially – explore your options and make the right decision for you. [**Abacus Life Settlements**](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for life insurance. Our primary mission is to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer, we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. **Categories:** Life Settlement Blog **Tags:** divorce, Life Settlement --- ### [Finding Friendly Community as a Senior](https://abacuslifesettlements.com/creating-a-village-for-the-elderly/) **Published:** March 1, 2019 **Author:** Admin **Content:** # Village For The Elderly *It’s a warm and bright harvest time evening in Chicago. Music is playing, food is being grilled and served to dozens of seniors as they relax and talk.* Despite the relaxed feel of this evening’s gathering, it isn’t without purpose. Thompson is the volunteer director of Age-Friendly Englewood village, an association that provides low-salary adults on the city’s South Side with jobs and volunteer work and she’s looking to expand her reach. “We have flyers, we’re going to hand out on entryways, getting the message out, getting everyone included,” says Thompson with her typical eagerness. Englewood Town has been around since 2015. Despite its recent opening, its foundations span back 17 years and the distance to Boston, where Susan McWhinney-Morse and her companions were looking for a way to reach out to individuals in need. Following two or three years of strenuous work, they delivered the idea presently known as the Englewood town. It’s an enrollment run association that gives access to services like transportation, help with family tasks, even addressing troubles like technical difficulties, alongside classes and social exercises. The most essential element of the planning process was input from residents in Englewood age 60 or older. This was accomplished through both online and paper surveys offered to nearly 400 random elderly residents and focus groups, brainstorming sessions and interviews were a key part of structuring this program. The quantity of towns across the nation has developed from one in Boston to 230 with another 130 being developed. A free program has been established to help the development and extension of these towns, known as the Town to Town System. Up until this point, the lion’s share of town individuals was the white-collar class or wealthier, as indicated by research from The Inside for the Propelled Investigation of Maturing Administrations at the College of California, Berkeley. The Englewood Town gives underprivileged, underserved elderly individuals an opportunity to grow, develop social connections and feel happier. As Susan McWhinney-Morse put it, “a grass-roots village development with respect to more seasoned individuals who did not have any desire to be disparaged, disconnected, \[or\] infantilized.” [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for life insurance. Our primary mission: Work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. **Categories:** Life Settlement Blog **Tags:** Abacus, senior housing, senior living, Settlements --- ### [Tips on Taking Over an Aging Loved One's Finances](https://abacuslifesettlements.com/when-to-take-over-finances-for-an-aging-loved-one/) **Published:** February 15, 2019 **Author:** Admin **Content:** At the point when friends and family reach their golden years, their physical wellbeing isn’t the main thing in danger of breaking down. If their psychological well-being diminishes, they may experience difficulty dealing with their cash on an everyday basis, and could even wind up helpless against fraudulent activity. Here are five steps for overseeing your loved one’s financial health. - [**Begin a discussion**](https://abacuslifesettlements.com/learning-center/) It can be difficult to admit that your mental health is on a downturn. Rather than pushing the issue, take a seat with your loved one and talk things through. “Ensure that those discussions are occurring before something occurs,” says Roger Whitney, CFP®, a budgetary counselor and host of the web recording [*Retirement Answer Man*](https://www.rogerwhitney.com/blog). Whitney prescribes getting a rundown of contact data for their bank and other financial assets. “That sets the stage so you know who you should call and who the players are.” Help them comprehend what your intentions are. It is anything but a matter of control or shielding them from potential damage. - **Decide on the best course** If your loved one consents to your offer, some budgetary choices may necessitate that you make things official. Here are a couple of choices that may apply to your circumstance: - **Seek out a lawyer** This is an authoritative record that provides you with a specialist to settle on choices about your loved one’s cash and property. Your position under a lawyer is restricted to what the record diagrams, except if the elderly individual in question renounces the lawyer, it closes when they pass away. - **Watchman of property** On the off chance that an official courtroom has verified they can’t deal with their accounts or property all alone, it might specifically choose you as a gatekeeper of property. In the meantime, you might be selected as a watchman of the individual, which implies you settle on wellbeing and other individual choices for your cherished one. With this arrangement, you have a duty to your loved one and to the court. This implies you may need to make normal reports to the court and be prepared to answer questions. Your duty as a watchman of property closes when the court assuages you of your obligations. - **Living trust trustee** Your cherished one can make a revocable living trust to give you lawful specialist to settle on choices in regards to the trust. You decide on changes to resources in the trust once your cherished one no longer has the ability to do as such. Your power as a living trust trustee closes when they finish the trust or names another trustee. - **Delegate payee or VA trustee** On the off chance that your cherished one gets profits by the bureaucratic or state government, for example, Social Security pay, an administration organization may choose you as a delegate payee or VA trustee (the last applies to Veterans Affairs). This assignment gives you the power to ensure the cash goes to cover their specific needs. However, it doesn’t give you authority over any of your cherished one’s other monetary resources. - **Understand the duty of managing old funds** By taking one of the recently referenced courses to lawfully accept control of your cherished one’s accounts, you turn into a trustee. This implies you’re will undoubtedly act in their best interest. “You need to set aside any of your own convictions or wants since you should go about as you feel \[your cherished one\] would,” says Whitney. - **Teach your aging loved one to evade tricks** “Any trick will be played off of feelings,” says Whitney. Individuals who aren’t of sound mind or are easily persuaded can fall prey to scams. For instance, a con artist may call the elderly individual acting like a grandkid stuck in an unfortunate situation who needs cash. It’s important to provide guidance while avoiding assuming complete control. “You need to be non-meddlesome,” says Whitney. “You need to be their advocate, not assume control for them.” For instance, ask that your adored one confers with you before making financial choices. This can help extricate them from an unfortunate circumstance. “Get duplicates of their significant financial records so you can see huge cash developments,” says Whitney. Here are some different tips to keep away scams: - If the individual is acting like a grandkid or other relative, make an inquiry that only the real person would know the response to. - Connect with their folks or another nearby relative before sending cash. - Reiterate that government agencies will never request cash. - Search for warnings. For instance, a few tricksters may request gift vouchers rather than money. - **Appreciate their desires** Once more, it’s imperative to comprehend whose cash you’re in charge of. Regardless of whether you believe you’re doing what’s in their best interest, it’s not up to you to choose what their preferences are. You’re simply helping; you’re not in charge. Assure your aging loved one from the beginning that they can drop everything if they wish. Help them comprehend their rights and potentially consult with a financial specialist. - **Rundown** Watching an aging loved one battle diminishing cognitive abilities and succumbing to scams can be stressful for a family. Assisting with finances can provide much-needed peace of mind. Call our team at [800-561-4148](tel:8005614148) to better understand if a life settlement is right for your loved one. [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for life insurance. Our primary mission: Work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. **Categories:** Life Settlement Blog --- ### [Smart Ways for Seniors to Reduce Healthcare Expenses](https://abacuslifesettlements.com/the-fight-against-rising-health-care-expenses/) **Published:** December 18, 2018 **Author:** Admin **Content:** ## The Fight Against Rising Health Care Expenses Health care expenses are on the rise and many seniors are left feeling powerless. Fortunately, there are a few ways to find relief. ### Monitor Ongoing Medical Expenses It’s easy to get used to a certain payment schedule for procedures or prescriptions. Be sure to continue monitoring your bills to ensure you’re not being overcharged or double-charged. ### Shop Around for Services Many physicians provide referrals when you need to go see a new doctor, but you don’t have to go to the first place they recommend. Research satisfaction rates and shop around – there are plenty of free resources to help you compare physicians, rates, and offices. ### Sell Your Insurance Policy Are your insurance policy’s costs outweighing the benefits? Consider choosing a[ life settlement](https://abacuslifesettlements.com/what-is-a-life-settlement/). A life settlement can provide the foundation for the finances you need to pay for all future care expenses. Determining if a [life settlement](https://abacuslifesettlements.com/learn-how-life-settlements-work/#should-i-sell-my-policy) is the right choice for you is an entirely personal matter and should be carefully discussed with family and financial advisors. There are certain standards that the policy and the insured must meet in order to qualify for a settlement. When going over options, some people find it helpful to look at the reasons others have chosen to sell to compare circumstances. The three primary motivating factors to sell are: #### 1. Funds are needed to pay for medical care or some other expense. In 1911, the United States government ruled that life insurance policies are personal property. This outcome opened up the possibility for policies to be bought, sold, and traded, just like any other high-value asset. In times of financial hardship, a person can now choose to liquidate their policy and turn it into immediate cash. This cash could then be used to: - Pay for assisted living - Fund cancer treatment - Pay medical bills - Pay premiums on another existing life insurance policy - Fund a business - Pay off tax liability/debt - Purchase an investment - Fund the purchase of income generating annuity #### 2. The premiums are no longer affordable Depending on the terms of the policy you own, changes in the insurance market could drive up the price of the premiums you pay. These changes can force some people to surrender their policy or let it lapse. For people who choose to get rid of their policy, a life settlement can be a more financially beneficial third option. Some examples of why someone may no longer want to pay premiums include: - Financial hardship due to medical bills, legal issues, or tax issues - Beneficiaries refuse to pay premiums - Premiums have escalated due to policy performance - Financial hardship due to expensive assisted living costs #### 3. Your lifestyle needs have changed and the policy is no longer needed. As the insured moves through the various stages of life, they may find that they no longer have a need for a life insurance policy. They could choose to surrender the policy, but usually, that would result in less payout. As long as they qualify, a life settlement could be a valid option. Here some examples of lifestyle changes that could alter a client’s need for life insurance: - Divorce - Retirement - There is no longer an estate tax burden - The beneficiaries no longer need the proceeds - Poor policy performance - Overinsured - The business has closed Increasing healthcare costs are intimidating, but with planning and careful monitoring, medical care costs can be alleviated. Start your life settlement journey—contact Abacus at [800-561-4148](tel:8005614148) today. [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for life insurance. Our primary mission: work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. **Categories:** Life Settlement Blog --- ### [What are ADLs?](https://abacuslifesettlements.com/what-are-adls-and-how-do-they-help-seniors/) **Published:** December 14, 2018 **Author:** Admin **Content:** # What are ADLs and How Do They Help Seniors? One of the most troubling aspects of advanced age is the eventual inability to complete vital daily tasks with ease or, independently. Individuals who have Alzheimer’s or Dementia are common examples of those who may require additional support with managing their daily routines. But the loss of daily capacity isn’t limited to issues developing with basic brain functions. Seniors commonly suffer from a range of musculoskeletal issues including Carpal Tunnel Syndrome, broken bones, atrophied muscles, and general loss of skeletal support. **What are ADLs and IADLs?** The previously mentioned vital daily tasks that most individuals need to complete on a daily or weekly basis to maintain a high quality of life are categorized as Activities of Daily Living (ADLs) and Instrumental Activities of Daily Living (IADLs). A fully functioning and independent individual should be able to complete the full range of activities in both of these categories, once limitations begin being put in place long-term care becomes a viable option to consider. Basic ADL’s “include six essential skills typically needed to manage basic physical needs” according to the Katz Index of Independence in Activities of Daily Living. These six essential skills include: - **Toileting & Bathing:** Regardless of age or gender, toileting needs are a universal constant. Bathrooms can be particularly dangerous for seniors since the floors can often become slippery and falls are common. It can be difficult to properly assist a person with using the restroom since maintaining dignity is vital while being assisted with private functions. Installing non-slip bathrooms in restrooms and bars that can bear heavy weight loads in the showers helps greatly. - **Continence:** To maintain day-to-day normalcy and independence an individual should be able to control their bowels and bladder fully. This is often an embarrassing and difficult subject to speak about, but it is important that it is addressed. The underlying causes of incontinence can sometimes be reversed if the discussion is broached honestly and early. - **Feeding Yourself:** This point is most commonly an issue with those suffering from diseases like Alzheimer’s and Dementia, seniors can have trouble remembering to eat at all. Severe cognitive issues can cause such severe shaking or degraded hand-eye coordination that self-feeding can become nearly impossible. In these cases, an in-home care professional can assist with feeding an individual in need of care. - **Dressing:** Dressing isn’t limited to just getting clothes on, it also means dressing appropriately for day-to-day activities. Independent seniors should be able to differentiate between what should be worn for different weather patterns, as it could be dangerous to go outside under or overdressed. Any fasteners and buttons should be handled without assistance to consider this skill as a pass. - **Mobility:** Functional senior mobility doesn’t necessarily mean running a marathon or going outside to shoot the basketball around. You should be able to get yourself out of bed in the morning and start your day without any major physical setbacks. Essentially, as long as you can move around your house without direct assistance, this skill is a pass overall. Instrumental Activities of Daily Living (IADLs) are more complex actions that involve important parts of day-to-day living that seniors will likely have issues with well before ADLs. Examples of a few major ones include: - **Meal Preparation:** Even before physically cooking a meal, the knowledge of how it is done and recalling recipes come into play. For seniors suffering from early stage Alzheimer’s or Dementia, this hurdle alone may be too much to get over. Physically, you must be able to make measurements, handle hot stoves, reach into cabinets, and lift potentially heavy ingredient bags. What this skill boils down to though is whether or not you can cook food consistently enough to maintain a healthy diet. - **Housekeeping:** Senior homes that are neglected for long periods of time quickly become extremely dangerous to live in. Eventually, simply walking around can become a serious hazard if you aren’t capable of simple housekeeping and cleanup. Hundreds of thousands of seniors are injured annually in falls, and illnesses that result from those falls can often be fatal. If you are unable to maintain a well-kept home, an in-home care professional, scheduled regularly, is the best course of action. - **Transportation**: Both mobility and challenges with short-term memory can make transportation a challenge for seniors. Being able to buy groceries, go to the doctors, and visit family are all extremely important factors in a senior’s continuing health and they all depend on having access to safe transportation. In-home care professionals can assist you in booking travel, securing your trip, and making sure you get to your destination and back home safely. **Are ADLs Relevant?** Most doctors agree that a decline in cognitive or physical ability that is measurable in the form of an ADL should be taken seriously. Often, once one skill is failed the others will soon follow unless the cause of the issue is addressed quickly. ADLs represent the first warnings of potentially serious issues, and should never be ignored. Securing in-home care from a trusted provider is the best way to ensure that quality of life does not decline in the least in conjunction with the loss of these day-to-day skills. An in-home care professional can also pay close attention to developing issues so seniors can get out ahead of them. **Long Term Care as an Option** The needs of a senior receiving [in-home care](https://abacuslifesettlements.com/blog-in-home-care/) can vary drastically depending on their ADLs and IADLs. Doctors often use both categories to assess how much continuing care an individual requires. In-Home Care in Tampa for a retiree that has trouble keeping their home and getting to the store, but handles all of their other tasks themselves would be light and simple. However, in-home care for a senior that has trouble bathing, self-feeding, and maintaining general personal hygiene is considerably more complex and requires more time on the visiting in-home care professional. American in-home care is here to help no matter the severity of your particular situation. [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for life insurance. Our primary mission: Work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. Use our free [Life Settlement Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/) to view your estimate today! **Categories:** Life Settlement Blog **Tags:** activities of daily living, adl --- ### [Senior Depression: Identifying and Preventing It](https://abacuslifesettlements.com/senior-depression-identifying-and-preventing-it/) **Published:** December 6, 2018 **Author:** Admin **Content:** Every year, millions of seniors face the negative side effects of depression. Geriatric depression has grown so prevalent that many people assume it is a natural step in the aging process; it is not. October is National Depression Education and Awareness Month, and this year we would like to set our sites squarely on geriatric depression and how to prevent, or hopefully reverse it in seniors suffering from its effects. # **How Does Geriatric Depression Develop?** The most common reason for depression in the elderly is a degrading of their social support systems. Spouses, siblings, family members, and friends pass away or relocate during these years reasonably often, and seniors can often feel isolated. That’s why it is incredibly important to [maintain socialization](https://abacuslifesettlements.com/creating-a-village-for-the-elderly/) well into your golden years; it can often be the largest deciding factor in your mental health. Insomnia is also both a major cause, and symptom of depression in seniors. Insomnia is often caused by drugs like Ativan, Klonopin, Xanax, Ambien, and Lunesta (all extremely common senior medications). These drugs can cause a form of waking sleep that persists throughout the day but never offers any real restfulness. They also often constitute impaired alertness, respiratory issues, and falls. Most geriatric experts treat insomnia in seniors the same way many younger people restlessness, with melatonin.  For particularly severe cases seniors can be prescribed stronger sedatives and sleep aids. Major physical conditions that negatively affect a person’s ability to get around or think critically often cause depression. Having consistently high blood pressure can cause blood flow issues to the brain over a long period that present themselves as chemically induced depression. **Other Risk Factors:** - Being Female – “Empty Nest Syndrome” often reflects more harshly on women than on men in their golden years. - Being Single, Unmarried, or Widowed. - Lack of Social Support. - Major stressful Life Events. - Certain Medication Combinations. - Damage to Body Image – Things that can damage a person’s body image include general aging, major surgeries, stroke, amputation, cancer. - Family History of Depression. - Living in Isolation. - Presence of Chronic or Severe Pain. - Substance Abuse – This is a major contributing factor for seniors that don’t have consistent oversite. As we age our bodies don’t process substances like alcohol as effectively, and it can often lead to accidentally overdoing it. **Negative Effects Associated with Geriatric Depression** Depression can be difficult to put a pin in since “soft diseases” or diseases that vary greatly from one individual to another are often impossible to predict. There are undeniable parallels that can be drawn from between individuals with depression, however. For young people these often include increased rates of suicide, issues socializing, and negatively affected developmental processes. While geriatric depression isn’t quite the same as the first time a teenager has their heart broken, most of the negative connotations hold true. Depression in seniors markedly increases the potential risk with suicide, especially in white men. The suicide rate in men aged between 80 to 84 is more than twice that of the general popular, and 30% higher than that of other seniors. The issue is so prevalent that The National Institute of Mental Health has proclaimed depression in people over the age of 65 to be an official public health problem. Geriatric Depression can also lead to further isolation, which turns into a negative feedback loop. It isn’t uncommon to enter a nursing home and see a room full of seniors not interacting with one another at all. It isn’t because they don’t enjoy socializing, it is because depression leads to self-imposed isolation, which leads to further depression, and so on. One of the major medical advantages of at-home care over group homes is the social and mental care seniors can receive on an individual basis. You are more likely to receive superior mental attention-getting companion care in Jacksonville than you are at a Jacksonville senior home. Seniors that suffer from depression also face down the increased risk of a full range of cardiac diseases and an increased risk of death from any general illness. Depression reduces a senior patient’s ability to rehabilitate from any number of things ranging from a common cold to a surgery as well. Seniors that suffer from physical illnesses like stroke, hypertension, diabetes, or dementia are also significantly more likely to present issues while suffering from depression. Depression not only serves as a cause of several issues, but it will also exacerbate nearly anything. **Problems with Treatment** The first, and often most difficult hurdle to get over when attempting to treat or prevent depression in seniors is the stigma. The reason men often have significantly higher suicide rates and are typically hit harder by depression is social, not physiological. We have begun a slow march towards acknowledging and treating depression in general medicine and society, but seniors face down strong mental conditioning when admitting depression. Growing up in the 30s, 40s, and 50s meant sucking it up and pushing forward, admission of a mental health issue was perceived as weakness. That thought process doesn’t just leave a person over time, so it can be difficult to get a senior to admit to suffering from depression. Seniors may also believe that their situation is hopeless, a thought brought on by their depression. They may also have their legitimate concerns dismissed as normal reactions to life events like aging or loss. At least until the events have long passed and the issues are still there. As we mentioned earlier, depression can also cause physical issues which will often be treated before mental ones; ignoring the cause of the issues in the first place. **Treating Senior Depression** Identifying these hurdles and pushing through them is the most important part of being there for a loved one with depression. Don’t take no for an answer in regards to mental health. Some different methods for treating depression in seniors include: - Being There – Company is by far the best thing for anyone suffering from depression, seniors are no exception. If you can’t be there for your loved one, make sure somebody always is. - Talking Through Major Events. - Reporting Issues with Medications. - Maintaining Physical and Mental Confidence. - Treating Chronic and Severe Pain. - Carefully Monitoring Substances. - Taking Anti-Depressants. - Therapy - Staying In-Home for Long-Term We believe you or your loved one deserve the best in one-on-one care, from both a mental and physical perspective. We refer qualified and compassionate care providers who can help with many different services to help navigate and thrive in your loved one’s golden years, including companion care in Jacksonville. For more information about our services and coverage area, contact us directly to speak with a local Client Care Liaison. **Categories:** Life Settlement Blog **Tags:** depression, mental health --- ### [Benefits of Owning a Pet While Aging](https://abacuslifesettlements.com/seniors-with-pets-how-owning-a-pet-can-improve-the-aging-process/) **Published:** November 2, 2018 **Author:** Admin **Content:** # Seniors with Pets \| How Owning a Pet Can Improve the Aging Process Welcoming home a new pet companion can be an exciting addition to a senior’s life. Bringing home a new animal friend can help seniors be healthier and happier during their golden years. Dogs, cats or other household animals provide companionship to the lonely, eliminating isolation and boredom while also creating motivation for a healthier lifestyle. **ACTIVITY** “Let’s go!” For most dogs, mentioning the dog park or a walk around the neighborhood is enough to get their tails wagging. For many seniors, having a dog is great motivation to become more active.  According to a study conducted by the Gerontologist, positive effects tied to active pet ownership include lower BMI, fewer reported doctor visits and less sedentary time as a result of daily walks, playtime, and grooming activities. See the positive health benefits of exercising for seniors [here](https://abacuslifesettlements.com/senior-exercise/). **PHYSICAL BENEFITS** Spending time with a pet is uplifting and proven to be healthy for seniors. As little as just 15 minutes bonding with an animal sets off a chemical chain reaction in the brain, lowering levels of the fight-or-flight hormone, cortisol, and increasing production of the feel-good hormone serotonin. Over a long-term relationship, these interactions have shown a decrease in lower cholesterol levels, improved mood and have shown signs of protecting against heart disease and stroke (Byrne, 2015). **MENTAL BENEFITS** Pets provide crucial mental stimulation for the elderly population. Daily flexibility practices, stimulation through daily contact, and planning an established routine while caring for a pet is key to a happy, healthy pet household.  **A SENSE OF PURPOSE** It’s not uncommon for seniors to feel inodiated with free time after completing their parenting and professional years. Pets are a great way to pull withdrawn seniors out of their shell and get them engaged in a positive activity such as walking with their pet, visiting a local dog park to meet with friends or participating in grooming activities. This ultimately creates a sense of purpose and helps seniors feel connected with the world, especially if they’ve experienced isolation or loneliness. **PET VISITATION THERAPY** A great option for the elderly that doesn’t require becoming a pet owner is pet visitation therapy. Animals including dogs, cats, and rabbits visit nursing homes, hospitals, and senior centers to spend time with patients and residents. This option gives residents the opportunity to enjoy the animal’s affection without having to care for them on their own. This is also a plausible solution for seniors who reside in residences or facilities that don’t permit pets. **SERVICE DOGS** Service dogs are a helpful, social option for seniors with disabilities. Service dogs must pass an extensive training process to prepare to be paired with a human companion. Service dog skills include opening and closing doors, helping their handler get dressed for the day or helping them undress, assisting seniors in wheelchairs with sitting up straight, preventing falls, and even responding to exclusive verbal or nonverbal cues to help the hearing or sight-impaired. In the event of an emergency, service dogs are prepared to perform life-saving tasks including calling 911, opening the door first responders, and laying down on their companion’s chest to help them breathe better. Resources such as the National Service Dog Registry are a reputable source for information on whether this option is a good fit for you or your loved one. Owning a pet as a senior might be a perfect fit for you or a loved one. Ask your veterinarian, family members, and doctor if this is the right decision for you or your loved one. A pet is a companion, caretaker and friend all in one. ![pets help keep seniors happy and healthy | senior living | pets| aging with pets | Abacus Settlements |](https://abacuslifesettlements.com/wp-content/uploads/2018/11/6a073d226a124d5bbcbf73ea1dcf10e4-135x300.jpg "| Abacus Life") [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for life insurance. Our primary mission: Work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. Use our [Life Settlement Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/) to get a free estimate today. **Categories:** Life Settlement Blog **Tags:** aging with animals, pet ownership, seniors with pets --- ### [How to Find the Beauty in Life’s Transitions After Retirement](https://abacuslifesettlements.com/tips-to-finding-the-beauty-of-change-in-retirement-and-when-fighting-an-illness/) **Published:** October 19, 2018 **Author:** Admin **Content:** # Tips to Finding the Beauty of Change in Retirement and When Fighting an Illness ***It’s not that some people have willpower and some don’t. It’s that some people are ready to change and others are not.*** ***James Gordon, M.D.*** Many may relate to a time when the idea of change made a ball of anxiousness form in the pit of the stomach, especially if the change is out of our control. Humans tend to experience a combination of anticipation, nervousness, and excitement when a change is on the verge of happening.  Whether we look forward to it or have feelings of anxiousness, change triggers powerful emotions within our bodies. It is important to be able to recognize the change and access the best ways to deal with it depending on the situation. Of course, humans want the ability to map out their lives which is why all changes should be embraced. However, when a change occurs it tends to stir the pot of emotions within a person depending on the circumstances. Whether you’re ready to enter the liberating golden years of your life by making the decision to start your **retirement**, or perhaps going through a hardship involving a **serious illness**, change is happening. Adjusting to that change can be a process that proves difficult to the strongest of us – here are some lifestyle changes to consider to facilitate and promote change under these circumstances. **Lifestyle Changes During Retirement** Making the decision to retire is a big step that requires preparation and planning in order to relax in comfort. The biggest lifestyle change that occurs for most seniors is transitioning from a steady workflow to finding something else to do. Finding activities that provide you with a purpose is a major key to adapting into this new routine. There are two paths that could help you through this anticipation. The first is welcoming this change as an opportunity for new beginnings. Rediscovering your passions in life is an invigorating process that comes with many benefits. If the process seems overwhelming at first, be sure to write about it. Take note of ideas and inspirations that you think may be a goal you are interested in pursuing. The second key is to set goals for yourself to guide the change to a specific point where you can easily reflect on your improvements from beginning to finish. The exciting thing is your goals can be as eccentric as you want them to be. Explore hobbies you have always wanted to try, take a class in your community, travel and make new friends, volunteer, find a part-time job, or become involved with a non-profit organization. Surrounding yourself with a support system and being involved in your community are great starting points to help facilitate and nurture the transition into retirement. **Dealing with Changes After Being Diagnosed with a Serious Illness** It is inevitable that changes, both expected and unexpected, will occur during a person’s lifetime. Whether these changes are in our control or out of our control may play a big role in our approach to managing it. If disease suddenly takes a hold of our life, it is important to face your feelings by figuring out what your fears and worries are, which is no easy task. Once you have a clear picture of how the change makes you feel, begin to take note of your thoughts and attitudes about it. The best way is to keep a written record of daily happenings brought on by the change and how they make you feel. Of course, a person who was just diagnosed with cancer may struggle with trying to understand “why” this happened, as sometimes disease is out of a person’s control. When the mind is clouded with negative thoughts it can easily block problem solving skills and further weaken the body. It helps to register when you encounter a negative thought and think of one thing you are grateful for to help see the bright side. As explained by Dr. Siegel, a practitioner in modern medicine, “…emotional growth towards greater self-acceptance and fulfillment helps keep the immune system strong.” To compliment a self-loving attitude, it’s helpful to make a change to your active lifestyle. [Moving](https://abacuslifesettlements.com/senior-exercise/) (in moderation) has proven to build circulation, mobility, endurance, and oxygen intake. Learning to relax will help you deal well with change too. To top it off, supplementing your diet with non-processed foods and plenty of fresh fruits and vegetables strengthens the immune system so that it can keep the body safe from harm. ***[Harrison Ford](http://www.quotationspage.com/quotes/Harrison_Ford/) once said the wise words “We all have big changes in our lives that are more or less a second chance.”*** A change is a start of a new beginning that could open doors to many possibilities we may never have thought we would have had the chance to experience. A change could be viewed as a chance to start over fresh and renewed! What better feeling than to wipe away a dirty slate and start from square one. Embrace it. [Abacus Life Settlements](https://abacuslifesettlements.com/) is a trusted leader in the secondary life insurance market, helping policyholders unlock the true value of their life insurance. Our mission is to help you explore your financial options in retirement, including whether selling all or part of your life insurance policy makes sense for your goals. Curious about how life settlements work? Visit our [**Learning Center**](https://abacuslifesettlements.com/learning-center/) to discover everything you need to know about life settlements, policy valuation, and how to get started. **Categories:** Life Settlement Blog **Tags:** illness, retirement, retiring, seniors retiring --- ### [The Power of Positivity](https://abacuslifesettlements.com/blog-positivity/) **Published:** October 10, 2018 **Author:** Admin **Content:** ## **Did you know your thoughts have a special power that is constantly shaping your life?** Imagine that every time a word is spoken, or a thought is formed, the universe, or a greater power is consciously listening and absorbing the vibrations that are being produced. This theory stems from the Law of Attraction, a popular “Universal Law”, which is a belief that humans create and bring into existence their thoughts, both the good and the bad. For example, every time a thought is formed, or a word is said, the universe around us is listening and responding. The**[ law of attraction](https://www.oprah.com/spirit/the-law-of-attraction-real-life-stories_1/all)** states that with feelings of gratefulness, patience, and positivity, we are able to manifest our biggest dreams and desires. Which means that by practicing and implementing a positive attitude, in addition to showing gratitude for what we have been given, humans are inviting pleasant outcomes into their lives. Once this mentality is mastered, the law of attraction will begin to respond to actions and thoughts with materialized outcomes and desires. Throughout our lifetime, humans are bound to encounter obstacles at one point or another. These difficulties can bring about feelings of self-doubt and uncertainty within ourselves. When we find that we are in an unfavorable circumstance, it is easy to let the mind fall prey to negative thoughts and feelings. However, if this happens it begins to affect the aura we give off and the energy we put into the universe. Soon our health, demeanor, and confidence are at all at risk and more fears can begin to manifest into reality. In order to avoid this rut, there is a simple solution that can be implemented right away. It is **[positive thinking](https://www.successconsciousness.com/index_000009.htm)**. When we emit positivity from our intentions, thoughts, and actions we consequently attract favorable outcomes. Positive thinking is a mental and emotional attitude that foresees happiness, good health, and success. People who think positively believe that they can overcome any difficulty, therefore they strive to see the good in life even if they are in a pinch. ## Ready to give it a try? **Here are some tips and guidelines to consider:** 1\. You have nothing to lose, only to gain by thinking positively. 2\. When facing a challenge visualize beneficial outcomes only, as if you have already conquered the challenge. 3\. Change your sentence wording and try to use positive words in your speech. This can be difficult but if you start mentally registering how many times you include negatives in your speech, you will slowly start to become more aware. 4\. Smile more, it helps you and others around you feel happier. 5\. Surround yourself with positive people, those that make you feel warm and loved. 6\. Do not give up if you experience inner resistance, focus on achieving what you are asking for and replace any negative thoughts with positive ones. 7\. Think and say things such as ‘I love who I am. I love life. It’s going to be smooth and easy.’ 8\. If you start to desire favorable results, your circumstances will *CHANGE* and reflect your expectations. However, it is important to remember that It might take time for changes to occur, so you must stay resilient and determined in your way of thinking. Good changes will happen if you develop a positive attitude towards life and take any actions necessary to ensure your success. The Law of Attraction does not happen by magic, it takes an open mind, perseverance, and patience to activate and receive desires in a natural way. [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for [life insurance](https://abacuslifesettlements.com/life-insurance-options/). Our primary mission: Work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. Call [800-561-4148](tel:8005614148) and visit our [Learning Center](https://abacuslifesettlements.com/learning-center/) to learn more how Abacus can help you today! **Categories:** Life Settlement Blog **Tags:** positivity, senior health --- ### [Natural Ways to Feel Better: 3 Therapies That Help Seniors Thrive](https://abacuslifesettlements.com/3-natural-therapies-that-make-you-happier/) **Published:** September 14, 2018 **Author:** Admin **Content:** ## 3 Natural Therapies You Should Try for a Boost of Happiness Now more than ever, the idea of using alternative medicine is gaining more attention and appeal from doctors and patients alike. Both innovative and ancient holistic healing methods are becoming more popular thanks to their ability to reduce discomfort and pain, boost the immune system, strengthen muscles, and promote well-being. Whether you are entering the golden years of life, battling a sickness, or just ready to explore new ways to heal and restore, these three therapies are great ways to help keep a healthy balance within your mind and body. ![This is an yoga image for the Abacus blog.](https://abacuslifesettlements.com/wp-content/uploads/2018/09/blog-post.png) ### \#1 Yoga Many may be aware that practicing yoga can decrease anxiety and depression, but how exactly? A recent study published by the Frontiers in Human Neuroscience has shown that yoga protects the brain from losing gray matter volume. This is important because gray matter volume is found mostly in the left side of the brain which is associated with feeding positive emotions and helping your body relax. MRI scans have shown that 50-year-olds who have practiced yoga and meditation were found to have the gray matter volume of 25-year-olds! What’s even more amazing, is that these changes in levels of gray matter volume within the brain can start to occur immediately after beginning. Remember, for those who feel that they are not flexible enough to do yoga, it is not about your ability to achieve the perfect pose. Yoga is your time to become more comfortable and accepting of who you are now. ### \#2 Acupuncture It may be difficult to believe that placing hair-thin needles inside your body could be key to releasing hormones that relax your body immediately, but acupuncture has proven to do wonders for healing anxiety, nervousness, and even mood swings. Acupuncture is an ancient Chinese form of healing that uses hair-thin needles to stimulate different chakra points in the body. Once activated, the benefits include a restored connection between the mind and body, releasing endorphins, and the ability to put your body at rest. If you are facing a more stressful time in life, acupuncture could be your ticket to finding relief and happiness. ### \#3 Laughter Therapy Laughter has the ability to lift people’s spirits and make us feel alive. Laughter has the ability to increase oxygen intake, relax muscles, release endorphins, and improve mental functions. After laughing for just a few minutes, you may feel better for hours. It is a contagious emotion that brings happiness, so it is now being recognized as a natural therapy to promote well-being and positivity within people’s lives. Recent studies have evaluated people before and after a humorous event occurs, the result showed that after laughing for a prolonged period of time pain was reduced and the immune system was boosted. Doctors at **[Cancer Treatment Centers of America](https://www.cancercenter.com/?invsrc=br_south_bing_lctca_brandcore_ext&gclid=5ce1a00cfb1a1453f05bc86e55cbb992&gclsrc=3p.ds&msclkid=5ce1a00cfb1a1453f05bc86e55cbb992&utm_source=bing&utm_medium=cpc&utm_campaign=B_Srch_SB%3A%20South_LCTCA_Brand%20Core_EXT&utm_term=cancer%20treatment%20centers%20of%20america&utm_content=Brand%20Core%3A%20Full%20Name)** have begun to use laughter therapy as a physical exercise for groups who gather in a circle and make laughter sounds until they feel vibrations in their bodies. The result is contagious, so it makes it hard for people not to join in! Whenever you are feeling under the weather, you can always still laugh and feel better! [Abacus Life Settlements](https://abacuslifesettlements.com/ "Abacus Life Settlements") is a fully licensed life settlement company committed to a client-first approach. We prioritize your needs and work to ensure the process is clear, supportive, and stress-free. Whether you’re exploring your options or ready to move forward, our team is here to guide you every step of the way. Call us at [800-561-4148](tel:8005614148 "800-561-4148") to speak with a licensed specialist, or start with our [free online calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/ "free online calculator") to see what your policy may be worth. **Categories:** Life Settlement Blog **Tags:** active lifestyle, senior health, seniors activity --- ### [The Impact of Controlled Lighting on Alzheimer’s](https://abacuslifesettlements.com/alzheimers-life-settlements/) **Published:** August 31, 2018 **Author:** Admin **Content:** With the baby boomer generation set to transition into their golden years, we are primed for an unprecedented number of new cases of most age-related diseases and Alzheimer’s is no exception. Tens of millions of dollars are dedicated to Alzheimer’s, Dementia, and other neurological disease research annually; with Alzheimer’s research seeing the lions share of the funds and working hours. This research has led to hundreds of potential cures; from directly treating bio-markers that may be related to neurological diseases to targeting specific proteins that are theorized to cause the issues in the first place. Seniors are encouraged to do a range of things to help prevent Alzheimer’s as they transition into their golden years; go on heart and brain healthy diets, start aspirin regimens, [listen to music](https://abacuslifesettlements.com/role-music-treating-alzheimers/), aggressively lower blood pressure, and maintain consistent mental stimulation for example. But what happens to those that wind up developing Alzheimer’s as they age regardless? What happens to everyone that is currently suffering from a neurological issue? We attempt to minimize their symptoms and maximize their comfort. We wrote previously about the role of music in helping to treat and relieve several of the symptoms associated with Alzheimer’s. How a familiar jingle could take an 85-year-old Alzheimer’s patient that is partaking in live-in care in Orlando back to a time when she was dancing salsa on Ocean Drive in Miami. The incredible transformations that music helped facilitate wholly turned around the quality of life of several seniors. **Tailored Lightning** The namesake of this blog post “Lighting Intervention” acts in the same sort of vein as music therapy for individuals who have Alzheimer’s. The American Academy of Sleep Medicine undertook a multi-year study involving 43 seniors suffering from neurological diseases in several different living environments to discover the importance of lighting concerning sleep, mood, and behavior. Individuals with Alzheimer’s typically suffer from sleep problems, aimless wandering, and general irritability that can present night or day. Utilizing specifically tailored daytime lighting patterns, researchers attempted to improve on these behavioral and sleep issues. What they found is incredible. While it’s not an instant “flip of the switch” like music therapy can sometimes be for Alzheimer’s patients, tailored lighting often led to equally staggering results. Compared to standard and inactive lightning conditions, seniors saw significantly decreased issues related to sleep disturbances, depression, and overall anxiety. Improvements were seen unilaterally across every single measured variable. “Here we show that if the stimulus (light dose) is carefully delivered and measured, it can have a strong impact on sleep, depression, and agitation,” said principal investigator and lead author Mariana Figueiro, PhD, a professor and director at the Lighting Research Center at Rensselaer Polytechnic Institute in Troy, New York. “Depression was a secondary measure, and I was pleasantly surprised by the positive impact of the light treatment on depression scores.” **What Did the Study Involve?** The study involved a total of 43 seniors that had been positively diagnosed with Alzheimer’s disease and related dementias. Each was exposed to an active and inactive tailored lighting intervention for successive 4-week periods, followed by a 4-week washout period. The customized lighting program was added to locations in which the seniors spent most of their time when awake and actively ran until 6 P.M. nightly. Calibrated personal light meters monitored exposures for each senior. Measures of sleep issues, mood, and agitation were taken weekly based on the Pittsburgh Sleep Quality Index, the Cornell Scale for Depression in Dementia, and the Cohen-Mansfield Agitation Index respectively. The measures were taken at baseline and during the last week of the lighting tests. The abstract from the tests and overall research results are publicly available in an [online supplement of the journal Sleep](http://www.sleepmeeting.org/abstract-supplements). **Results** Presented at the [Alzheimer’s Association International Conference](https://www.alz.org/aaic/overview.asp), the researchers saw substantial improvement in the patient’s sleep, mood, and agitation levels. The most significant gains came in the form of improved sleep schedules. **Sleep** - Active lighting arm: 10.4 ± 0.4 baseline versus 6.4 ± 0.5 after 4 weeks - Inactive lighting arm: 9.7 ± 0.5 baseline versus 8.0 ± 0.4 after 4 weeks **Agitation** - Active lighting arm (agitation): 43.6 ± 2.5 baseline versus 37.5 ± 1.9 after 4 weeks - Inactive lighting arm (agitation): 41.5 ± 1.8 baseline versus 40.4 ± 1.9 after 4 weeks **Mood** - Active lighting arm (mood): 10.9 ± 1.1 baseline versus 7.3 ± 0.7 after 4 weeks - Inactive lighting arm (mood): 10.6 ± 0.9 baseline versus 9.1 ± 0.9 after 4 weeks **What it Means for Alzheimer’s Patients** By far the most important takeaway from the study is that Alzheimer’s patients can realistically have restful nights of sleep without heavy drug intervention. Severe lack of sleep and overall irritability actively contribute to neurological degradation in Alzheimer’s patients, so this could realistically slow the development of the disease. Heather Snyder, Ph.D., the Senior Director of Medical and Scientific Operations for the Alzheimer’s Association said “This is a low-tech way that really could address some of these symptoms that are so troubling and difficult for people sometimes to manage, it’s not just turning the lights on longer. It’s changing the type of light as well as the duration — during wake-hours, you have more exposure to this type of light.” Put just, controlling intensity and type of lights being used in a care facility can result in nearly instantaneous improvement in three significant measurables related to Alzheimer’s. Changing light bulbs leads to a higher overall level of happiness, significantly improved sleeping habits, and substantially less irritability. So, it turns out that the gut instinct most people have to feel uncomfortable when stepping into a poorly lit living facility is justified. In the future, this could lead to “prescription” lighting solutions. But in the here and now, it serves as an excellent reminder that light is a significant synchronizer for our circadian rhythms. If you have a loved one who has Alzheimer’s it is essential to ensure they are getting ample amounts of light during their waking hours. [Abacus Life](https://abacuslifesettlements.com/ "Abacus Life") is committed to helping you get the most from your life insurance policy through a seamless, transparent process. With over $4.6 billion in policy face value purchased and a leadership team with 20+ years of experience, Abacus brings trusted expertise to life settlements. Life settlements can unlock significant value, offering seniors financial flexibility and a more secure retirement. Abacus is here to guide you every step of the way, helping you make informed choices aligned with your financial goals. Turn your policy into a powerful asset. Use our [online calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/ "online calculator") or speak with a specialist at 1-[800-561-4148](tel:8005614148 "800-561-4148") to see if you qualify. **Categories:** Life Settlement Blog **Tags:** Alzheimer's, Alzheimer's patient, senior health, Seniors --- ### [5 Affordable and Unforgettable Senior Holidays](https://abacuslifesettlements.com/senior-vacations/) **Published:** July 26, 2018 **Author:** Admin **Content:** # Check Out These Affordable Adventures with Loved Ones If you’re looking into a life settlement, you certainly want to be careful with any of the funds you wind up receiving. However, you might also gain the flexibility to have a little bit more cash with which to live your best life! We’ve gone over some of the strategy involved with these settlements, and it’s most important to be responsible with them – particularly given that many of them come about because insurance policies get too expensive to maintain over time. But in the spirit of having a little bit of fun with things, we thought we’d point out five U.S. vacation ideas that can make for unforgettable, manageable experiences for seniors, and which are actually fairly cheap when you boil them down. **1.) Ocracoke Island** According to Dr. Beach, Ocracoke Island on the North Carolina Outer Banks is [the second best beach in America for 2018](https://www.nbcsandiego.com/news/national-international/Dr-Beach10-Best-Beaches-in-the-US-483615161.html). In fact, he called it his favorite getaway beach, which really speaks to why it’s such a beloved destination. Most of the other “best beaches” in the U.S. are big, popular, and full of either tourist attractions or tourists themselves. Ocracoke is more remote and tends to remain very authentic and not too crowded (nor expensive) simply because it’s a little bit tricky to get to. But by flying into Raleigh/Durham in central North Carolina, or Norfolk in Southeast Virginia, you can be just four or five hours away from Ocracoke by car. Once there, you need only rent a small house to enjoy an incredibly tranquil, natural, and relaxing getaway **2.) Big Sur** Big Sur is probably the most affordable option on this list, though as you’re likely aware, it’s not so much a destination as a route. This incredible road on California’s Pacific coast is often mentioned as a bucket list for all Americans, senior or otherwise, but it’s the sort of place you want to make time for. The best way to do it is to rent a car, perhaps a little bit on the nice side just for the experience, and drive up the road with one or two stops. The road is actually only about 90 miles long, so you can do it in a matter of hours. But you can make more of a vacation out of it if you find a few charming spots along the way – and there are plenty – to break up the experience. **3.) The Omni Homestead** The Omni Homestead in Virginia isn’t a cheap place to stay, but when you compare it to some similar quality resorts in what might be considered more exotic places, it’s actually something of a steal. This is a large but incredibly well-kept resort that’s known for its Southern hospitality. Somewhat like Ocracoke, it’s a terrific option if you’re just looking for a little bit of a getaway in a pretty place with comfortable accommodations. However, if you happen to golf also, the Omni Homestead offers even more. The place even [got a write-up in Golf Digest](https://www.golfdigest.com/story/all-in-the-family-the-homestead-resort) for the quality of the courses on the grounds, which should tell you everything you need to know. **4.) The U.S. Open** The U.S. Open is the only sporting event on this list, but it’s really almost more of a festival of sorts, in a sense. It takes place in August and September in Queens, NY each year, and marks the last major event on the tennis calendar. While it’s not as prestigious as Wimbledon, one article recently cited its incredible atmosphere as a reason it’s thought of by some as the most enjoyable of the tennis Grand Slams. And above all else, it’s shockingly affordable. A pass as cheap as $60 can get you a full day on the grounds, where you can move at your leisure from match to match, checking out the different courts. For seniors, there are plenty of shady places to sit, as well as excellent dining options outside of the stadiums if you need a break. Staying in New York for a few days can add up, but the event itself is a bargain. **5.) Lake Tahoe** It’s difficult to call any destination in the United States more beautiful than Lake Tahoe. It’s commonly brought up as a ski destination in the winter, but if anything it’s actually more striking during the warmer months when nature can really showcase itself to the fullest. And whether you find a resort that appeals to you or your rent a private home or cabin, you might be surprised at how affordably you can stay in the area. While it is unrivaled as a natural getaway in the country, it’s somewhat remote, and there are enough accommodations that not all of them can be expensive. Once there you can simply relax in your natural surroundings, do a little bit of canoeing or kayaking, hike, or whatever else appeals. Frankly, one of the best ways to enjoy it is simply to find a pretty spot outside and do some reading! [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for [life insurance](https://abacuslifesettlements.com/life-insurance-options/). Our primary mission: Work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. Call [800-561-4148](tel:8005614148) and visit our [Learning Center](https://abacuslifesettlements.com/learning-center/) to learn more how Abacus can help you go on holiday! **Categories:** Life Settlement Blog **Tags:** senior holidays, senior travel --- ### [Top Senior Health Conditions and Management Tips](https://abacuslifesettlements.com/the-top-5-most-common-diseases-in-seniors/) **Published:** July 6, 2018 **Author:** Admin **Content:** ## The Top 5 Most Common Diseases in Seniors As we age our bodies become increasingly vulnerable to a number of age-related diseases. Age-related specifically meaning issues that crop up due to general wear and tear in this case. For example, while it’s more than possible for a 40-year-old to develop Diabetes, seniors have a much higher chance of developing the disease. It’s important that health professionals offer proper education to older patients on these illnesses in order to help them lower their risk. It is also incredibly important that seniors continue to, or begin to, lead healthy lives by making smart dietary and activity decisions. Even if you didn’t live well in your 40’s, 50’s, or 60’s; changing your lifestyle in your senior years can significantly lower the risk of developing a full range of diseases. The saying goes “The best day to start living healthy is yesterday, this second-best day is today.” **COPD** Chronic Obstructive Pulmonary Disease (COPD) is a disease that occurs after the airways of the lungs have been damaged. COPD is a progressive disease, which means it gets worse as time goes on, steadily making it more difficult for patients to breathe. COPD is estimated to be responsible for 120,000 deaths a year in the U.S. As the disease develops it is important that you keep an eye out for major symptoms which include; chronic coughing and wheezing, issues with shortness of breath, pain in the chest and lung region, and excess phlegm when coughing. The easiest and most reliable way to avoid COPD is to quit smoking as soon as possible. The damages that lead to COPD are typically caused by tar and smoke buildup in the lungs. Seniors with COPD should be especially careful about staying up to date with flu shots, as influenza can be especially fatal when compounded with lung damage. **Arthritis** Arthritis is by far one of the most common diseases to affect senior Americans, with 52.5 million adults currently experiencing some form of it. As seniors age the chance of them having complications involving arthritis continue to increase, making it difficult to avoid indefinitely. The most common, and least debilitating form of arthritis is osteoarthritis, followed by rheumatoid arthritis and gout. It is important that you pursue medical attention if you experience chronic joint pain, swelling, or general stiffness so you can get out ahead of the issue early. There are exercises and dietary recommendations that can help adults lower their risk of joint pain and inflammation. Things to avoid include processed foods, sugars, alcohol, tobacco, and sodium-heavy foods. Literally, any stretching at all can help with pain, it is advised to spend 20 minutes a day doing a full body stretch routine. **Diabetes** The American Diabetes Association states that 1 in 4 adults over the age of 60 in the U.S. have diabetes. While it isn’t quite as severe an issue as heart disease, it still affects a huge number of seniors annually. Diabetes causes thousands of typically avoidable deaths annually. While type 1 diabetes is an unavoidable, life-long hereditary disease, most adults with diabetes have type 2 which can be controlled and prevented. Like most avoidable disease, especially in our senior years, staying active and maintaining a healthy diet is vital when it comes to prevention and treatment. Seniors should have regular blood sugar level checks to ensure that they aren’t operating in the pre-diabetic range. Frequent urination, numb limbs, and swelling in extremities should constitute an immediate trip to the doctor. **Heart Disease** The American Heart Association notes that heart disease is the leading cause of death among adults aged 65 or older. In 2016 it accounted for one in every three deaths, totaling 800,000 Americans. They also noted that more than 90 million Americans are currently affected by some form of cardiovascular disease. High blood pressure and high cholesterol are the two biggest risk factors in regards to heart disease, and typically don’t show symptoms. It is crucial that seniors make regular visits to their doctors to undergo blood tests and have these health factors checked out. Staying active and eating a diet that primarily consists of fruits, veggies, and lean(non-red) meats will help seniors reduce the likelihood of developing heart issues. **Pneumonia** Seniors should receive regular lung function tests to guard against diseases like COPD and pneumonia as they can help identify respiratory issues early on. Chronic coughing and fatigue are two of the most common signs to keep an eye out for in regards to pneumonia. While most younger patients can recover after a few days of treatment, senior patients carry a high risk of developing more severe cases of pneumonia. These cases can be fatal if not properly treated due to most seniors often weakened immune systems. Older patients should get the pneumonia vaccine to minimize the risk of contracting it. Similar to COPD pneumonia can often be avoided completely if you receive proper protection from the flu, since flu often leads to pneumonia. [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for life insurance. Our primary mission: work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. Call us today at [800-561-4148](tel:8005614148) or use our free online [calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/) to see what your policy could be worth. **Categories:** Life Settlement Blog --- ### [Positive Health Benefits of Exercising for Seniors](https://abacuslifesettlements.com/senior-exercise/) **Published:** May 11, 2018 **Author:** Admin **Content:** # Exercising with Friends Holds Positive Health Benefits Sticking with an exercise routine can be a challenge, especially as we age and movement becomes more difficult. However, a recent study conducted at the University of British Columbia in Canada found that [exercising](https://abacuslifesettlements.com/senior-exercise/) with peers your own age increases your chances of continuing a program. The study put people, who all together averaged around 72 years of age, into three groups based on demographic traits. One group held people who were the same in both gender and age. The other was consistent in age but varied in gender. The final was a class open to the general public, so it contained a diverse grouping of age and gender. After the 24-week period ended, researchers found that, on average, participants who worked-out with same-age peers attended more classes than those in the mixed-age group; gender had almost no effect on the number of classes attended. Throughout the study, researchers also tried to increase bonding by handing out group t-shirts and setting up “hang-outs” after class. All-in-all, these results show the power of creating social connections. If we feel like part of a group, exercise becomes more enjoyable and we are more likely to partake. These findings become important when deciding to create an exercise program in our older years. It’s also important to remember many of the exercise classes offered for younger generations can be too rigorous and unsafe for some seniors. So what regimes should you and your friends consider? While it is true that our cardiovascular system does diminish as our bodies age, the decline of endurance can also be attributed to a decrease in muscle mass. Therefore, it is necessary to consider work-out regimens that are designed to gently increase strength along with aerobic stamina. For strength exercises, keep an eye out for classes that use resistance training and repetitive motions to build up muscle. Body weight exercises and calisthenics are also a good option and fairly convenient considering they don’t require any sort of extra equipment. As for aerobic training, doctors recommend older adults do around 30 minutes of cardiovascular exercise each day to increase blood flow. Swimming, walking, or stationary bike riding are great ways to get into an aerobic workout routine. In the beginning, this sort of exercise may seem difficult, but after a few weeks of continued exercise, your ability to exercise without getting tired will likely improve. Exercise doesn’t have to be boring or hard. Call some friends and pull together a group full of people who are eager to work-out, or who at the least want a little fun group interaction. Aim to create a routine combining both strength and aerobic excise programs. Living a healthy lifestyle is necessary in our golden years in order to not only increase the longevity of life, but also quality of life. [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for life insurance. Our primary mission: Work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. Want to know more about [Life Settlements](https://abacuslifesettlements.com/learn-how-life-settlements-work/)? Explore our [Learning Center.](https://abacuslifesettlements.com/learn-how-life-settlements-work/) **Categories:** Life Settlement Blog **Tags:** aging fitness, fitness --- ### [Abacus Life Settlements Approved in West Virginia](https://abacuslifesettlements.com/west-virginia-license/) **Published:** May 3, 2018 **Author:** Admin **Content:** # Abacus Life Settlements Approved as a Licensed Provider in West Virginia Abacus Life Settlements, a leading life settlement provider in the secondary market for life insurance, announced today that it was granted a life settlement provider license by the West Virginia Offices of the Insurance Commissioner. Abacus is now licensed to purchase life insurance policies in 40 states, as noted on the company’s web page at [www.abacuslifesettlements.com/licensure/](https://www.abacuslifesettlements.com/licensure/). “Abacus Life Settlements looks forward to expanding its secondary market services to the close to 2 million residents in the state of West Virginia, 18% percent of whom are seniors 65 or older,” said Samantha Butcher, chief operating officer of Abacus. “We encourage West Virginia policy sellers to visit our [Life Settlement Learning Center](https://abacuslifesettlements.com/what-is-a-life-settlement/) and to use our online [pre-qualification](https://abacuslifesettlements.com/qualify-a-life-settlement/) and pricing tools. As the state with the third highest percentage of seniors, West Virginia’s licensure process for viatical and life settlement providers is considered one of the most rigorous in the nation. Abacus is honored to be among the few providers who are approved by West Virginia’s Offices of the Insurance Commissioner to work with policy owners residing in the state. West Virginian’s suffering from major illnesses also have access to Abacus, as the provider is well known for assisting those that are struggling with medical bills or having trouble keeping up with the overall financial burden that being sick can place on an individual. Abacus is second to none in the life settlement industry when it comes to viatical settlement underwriting and offer values. West Virginian’s will now have access to [Abacus Express](https://abacuslifesettlements.com/abacus-express/), a program exclusive to Abacus clients and select business partners that cuts the traditional life settlement timeline of several months down to only a few weeks, or sometimes days. Butcher noted that Abacus’s industry ranking, which places it among the nation’s top three providers, strengthens the company’s market position when competing for policy acquisition and new investment capital and also allows for unique programs like Abacus Express. Abacus believes the recent resurgence of the secondary market for life insurance provides senior consumers with a valuable funding source for alternative income-producing investments. For aging baby boomers who may be financially ill-prepared for their own longevity, life settlements can be a source of funds to help pay for medical and long-term care expenses. Abacus officials expressed optimism that the industry’s robust growth trajectory will remain strong as more seniors choose to optimize their insurance assets, and as institutional investors capture yield while insulating investment portfolios from stock market volatility. **About Abacus Life Settlements, LLC** [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for life insurance. Our primary mission: work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. **Categories:** Life Settlement Blog --- ### [The Outstanding Effects of Gardening for Seniors](https://abacuslifesettlements.com/the-positive-effects-of-gardening-for-seniors/) **Published:** May 1, 2018 **Author:** Admin **Content:** # Gardening for Seniors Spring has officially sprung and hobbyist gardeners all over the world are rejoicing as it’s finally time to resume their favorite pass-time. As we step into the season of dirty gloves and fresh air, it’s the perfect time to discuss how incredibly beneficial gardening can be for seniors. There is a bevy of tangible, physical benefits including improved muscle strength, cardiovascular fitness, and brain health. To go along with a full range of the mental benefits that come along with independence and having a constructive hobby. ## **Physical Benefits** The best way to ensure you exercise daily is to make sure you are having fun doing it. It is significantly easier to get outside and work in your garden for most people than it is to suit up and go for a jog or walk. [How does daily exercise benefit you?](https://abacuslifesettlements.com/senior-exercise/) • An increase in physical activity causes both immediate and long-term improvements in mobility and flexibility. • Encourages full body engagement, so all of your motor skills are utilized. • Daily movement can help prevent diseases such as osteoporosis, heart disease, stroke, and has been shown to improve brain health. • Exercise releases hormones that are important to maintaining a happy brain including serotonin and endorphins. ## **Mental Benefits** One of the largest breakthroughs in relation to Alzheimer’s and Parkinson’s research during the last several years has been realizing the effects of physical activity and fitness on brain health. An active, engaged brain can help stave off the effects of both diseases, combined with the physical benefits mentioned prior; gardening is a health double whammy. Seniors that have active hobbies have shown higher rates of happiness nearly across the board. Gardening has specifically been shown to improve mental health is nearly every person that actively engages in the hobby. With substantially higher feelings of both independence and happiness being directly correlated with gardeners vs nongardeners. Gardening has a noted effect on individuals with strong paternal or maternal instincts because it gives them something to care for and nurture; similar to owning a pet. ## **Getting Started** Increased mental acuity and health, long-term physical health benefits and short-term increases in both mood and body health. Everything about gardening sounds great, but it’s easy to get overwhelmed with the overall scope of actually starting. It’s not like you can just walk outside, throw some seeds in the dirt, and call it day. Gardens require nurturing and elbow grease, that’s where all of the benefits come from. Getting started isn’t as daunting as it may seem on the surface, we even put a checklist together to help anyone get moving in the right direction. o Decide what you want to plant! Veggies, flowers, and fruits are all on the table, so consider all of your options. o Choose a patch of land that gets 6-8 hours of sunlight a day. o Establish plots for each different plant. o Defend your plots from your local pests with wire mesh or screened in planters. o If you aren’t working with rich soil add a rich top layer to your plots. o Plant your seeds! o Establish a care routine based on your plants’ needs. Potatoes barely need any help at all, while roses require daily care for example. Gardening doesn’t have to be limited to those with no health conditions, it is also a great way to reverse some of the issues that come with aging, or at the very least establish independence and improve mental health. [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for life insurance. Our primary mission: Work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. Still curious about life settlements? View our [Learning Center](https://abacuslifesettlements.com/learning-center/) to see if a L[ife Settlement](https://abacuslifesettlements.com/learning-center/) is right for you. **Categories:** Life Settlement Blog --- ### [Top Spring Cleaning Tips for Seniors This Season](https://abacuslifesettlements.com/time-for-spring-cleaning/) **Published:** March 29, 2018 **Author:** Admin **Content:** # Time for Spring Cleaning It’s a time-honored tradition, every Spring the closets get emptied, the trash bags and storage boxes come out; and the house gets turned upside down, Spring Cleaning. It’s a great way to welcome the warmer months with a fresh start and clean house. Officially put away your heavy winter jackets and sweaters and bring out your shorts. Beyond the clear benefits involved with maintaining tradition and independence well into your golden years. Removing clutter and preventing your world from becoming overly crowded has an active impact on your mental health in several other ways as well. Few things feel better than a freshly cleaned house. It is an immediate boost to a person’s mental disposition, newly organized spaces and clean surfaces can completely change a person’s disposition. The positive mental effects of being in control of one’s surroundings should never be discounted. There are also a number of more concrete health concerns that a thorough Spring Cleaning can help prevent. Many seniors have spent their entire lives collecting various odds and ends, and they were taught growing up to never throw out anything that may be useful. It has resulted in homes completely stuffed to the brim with potential physical health hazards for seniors that may be movement impaired in some cases. A stray lamp wire or an extra lazy chair can easily cause a fall, which could potentially lead to a whole host of major issues. Any potential obstacles that aren’t easily navigated should be removed to make the home less dangerous to move around in. Another important task is cleaning out medicine cabinets, organizational bags, and pillboxes. Anywhere that prescription medication may be kept really. Medication that is no longer prescribed or expired should be disposed of immediately. It is hard enough to sort through daily medication regiments without having to thumb through expiration dates. Check on the refrigerator, throw out any expired foods or drinks to prevent potential issues with bacteria. Remove as much general clutter as possible, make sure that all of the smoke detectors have fresh batteries, and go about all of the other standard Spring cleaning activities like wiping down counters and storing winter decorations. Unfortunately, Spring Cleaning, like most physical activities, only gets harder as we age. That’s where a licensed care provider comes in, however. Professional care providers can help with various light housekeeping tasks including laundry, dusting, vacuuming, and most other simple requests. Plus, who better to assist you with disposing of old medication than a licensed professional? Professional care providers also understand how to best organize homes for maximum safety. Spring cleaning isn’t just for your home—it’s a perfect time to tidy up your finances, too. As you sort through old paperwork and reassess your financial goals, consider reviewing your life insurance policies. For some, a [life settlement](https://abacuslifesettlements.com/learn-how-life-settlements-work/)—selling an unwanted or unneeded life insurance policy for a lump sum—might be a smart option. It can free up cash for current needs or retirement, especially if premiums have become burdensome or the policy no longer fits your plans. Just like clearing out clutter, reevaluating your insurance can bring clarity and new financial opportunities. Get a Free Life Settlement Estimate [here](https://abacuslifesettlements.com/learn-how-life-settlements-work/). [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for life insurance. Our primary mission: work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. **Categories:** Life Settlement Blog --- ### [Living with Heart Disease](https://abacuslifesettlements.com/living-heart-disease/) **Published:** March 6, 2018 **Author:** Admin **Content:** # **American Heart Month** Since 1964, American Heart Month has served as a reminder to the millions of Americans that suffer from heart issues or are at risk for heart issues. Heart disease is far and away the leading cause of death in the United States. Heart disease even outpaces cancer in overall cause of death numbers; in 2017 alone 633,842 people died due to heart disease. That is 1,736 Americans a day, or an average of 1 death every 38 seconds. I know that the first paragraph paints a pretty bleak picture of living with heart disease, but it’s not quite as black and white as the numbers may make it appear. Roughly 80% of ALL heart disease is entirely preventable with a proactive approach to heart health and proper education. In the other 20% of cases, unavoidable genetic issues or heart disease as a side effect can still be minimized by proper care. **What Causes Heart Disease?** Heart disease can include problems like heart failure, heart arrhythmia, and heart attack, and is defined by the heart beating ineffectively, causing impaired circulation.  High blood pressure is a major contributor to heart disease and actually causes most cases. Essentially, the higher your blood pressure is, the harder your heart has to work to effectively pump blood throughout your body. Sustained high blood pressure puts your heart through such significant pressure that it often begins presenting symptoms that are irreversible if ignored. Another major factor in developing heart disease is Atherosclerosis or plaque buildup. Plaque buildup causes your artery walls to thicken and stiffen, which actively inhibits blood flow to your organs and tissues. Like high blood pressure, atherosclerosis is entirely avoidable; as it is typically caused by factors like an unhealthy diet, lack of exercise, being overweight or smoking. A portion of the population with heart disease and issues related to heart disease receive it through unavoidable genetic issues. It is important to note, however, that this number is much smaller than the number of heart disease cases that are entirely avoidable. And even those with genetic predispositions towards heart disease can minimize, and sometimes prevent issues related to their hearts. **Physical Activity** Physical activity is a major focus during American Heart Month every year, and for good reason. Increasingly sedentary lifestyles coupled with dietary issues have led to a steadily growing global weight issue. While many lead happy and healthy lives no matter their weight, studies have shown that being overweight actively increases your chances of suffering from heart disease by several degrees of magnitude. [Exercise](https://abacuslifesettlements.com/senior-exercise/) helps strengthen your heart against the everyday wear and tear involved in serving as the center of your entire circulatory system. The more efficiently it can pump blood, the less likely it is that your heart will develop chronic issues. You don’t need to be an Olympic athlete to improve your heart health either, just make conscious decisions to be physically active in your everyday life. Some great tips include: - Long dog walks ([this is great for your pup’s health as well](https://abacuslife.com/2023/10/16/seniors-and-pets/)!) - Move around the house while you’re on the phone. - Exercise in place during at least one episode of your favorite show at night. - Park further away from the store and walk the longer distance. - Take the stairs; skip the elevator. **Eat Heart Healthy** In a Previous blog post on [Preventing High Blood Pressure](https://www.americaninhomecare.com/blog/2017/08/21/lowering-your-blood-pressure/), we mentioned the importance of a heart healthy diet in regards to avoiding a full compliment of serious diseases that Americans commonly suffer from. Among those diseases was, of course, heart disease. In that article diet and exercise are described as the closest you can come to a “magic solution” in relation to heart health. It is incredibly rare for anyone that is active and enjoys a healthy diet to experience heart-related issues. An average American eats 3,400 mg of sodium every single day, that’s 1,100 mg higher than the FDA suggested daily average; which many say is too high in itself. One meal at a standard fast food place is more than enough to place you well over your daily value of sodium. Sodium is an important part of the dietary puzzle, as it accounts for a majority of issues related to high blood pressure. Another important part of the puzzle is sugar. I know, sugar is the painful one to let go, everyone loves sugar, and it seems like nearly everything has sugar and sodium in it nowadays.  The USDA found that the average American eats nearly half a pound of sugar a day on average, that’s 150 pounds of sugar every year. Believe me, I know that number is staggering. But it’s easier to believe when you consider you can’t even eat something as simple as a hamburger without taking in several grams of sugar. Sugar increases blood pressure and has been found to stimulate the liver to dump more harmful fats into the bloodstream according to Harvard Health. The USDA also found that Americans eat nearly 75 pounds of added fats and oils every year, and the ratio of healthy vs unhealthy fats consumed has gone in the wrong direction in the past several years. High fight diets cause plaque buildup in major arteries and leads to weight gain which can also negatively affect heart health. Diet can get overwhelming, and the ease and comfort of unhealthy food is a tempting alternative when posed with the concept of revamping how you look at diet. In the interest of keeping it simple, the guide below is a quick and easy reference point for a heart-healthy diet. **Do Eat** - Fruits (NOT fruit juice) - Veggies - Chicken, Turkey, & Fish - Nuts and Legumes - Natural Oils (Olive, Coconut, Sesame) NOT vegetable oil or peanut oil  **Do Not Eat (In Excess)** - Saturated Fats - Sodium - Fatty Red Meats - Sweets and Soda/Alcohol The most important message you should take away from American Heart Month is that not only can you take control of your heart health, but you can start today! You don’t have to start jogging and shift your diet overnight, but swap out a Big Mac for a homemade chicken fajita and start taking the stairs and you’re well on your way to a healthier heart. Many of our clients suffer from various stages of heart stages, there is a good chance that you may qualify for a life settlement as well if you have been diagnosed with issues related to the heart. Contact Abacus at 1-[800-561-4148](tel:8005614148), or access our [Life Settlement Qualifier](https://abacuslifesettlements.com/qualify-a-life-settlement/) to find out today! **Categories:** Life Settlement Blog **Tags:** geriatric diseases, heart disease --- ### [Macular Degeneration Symptoms and Treatments](https://abacuslifesettlements.com/age-related-macular-degeneration/) **Published:** February 27, 2018 **Author:** Admin **Content:** **What is Age-Related Macular Degeneration?** Commonly referred to as AMD, age-related macular degeneration is a retinal disease that more than 10 million Americans currently suffer from. It is by far the most common cause of blindness in adults over the age of 55. AMD begins with blurred vision and progresses over time to loss of the central area of your vision. Eventually, this blind spot spreads to the rest of a person’s version and causes total blindness. Age-related macular degeneration has been primarily attributed to genetic disposition. Researchers have found several genes with direct links to AMD, which has led to major breakthroughs in easing the symptoms involved with the disease. Individuals with senior family members that have suffered from AMD should stay aware of any issues that develop with their vision, and should stay regular on their visits to their eye doctor. Other risk factors include diet, smoking, too much bright light, cardiovascular disease, and hypertension. **Early Symptoms** The first obvious symptom of AMD developing is blurred central vision. You may notice that your peripheral vision is still perfect, but objects you are attempting to focus on directly blur. If your entire vision is blurry you may be suffering from a number of other issues including Glaucoma, however, so you should still get checked out. As AMD develops straight lines may begin to warp or distort, a great test for this is to look at a piece of wide-ruled notebook paper. If the lines don’t look entirely straight, you may be showing early signs of AMD. Over time the blurriness will begin to give way to true blind spots in your vision, and after complete loss of central vision; the rest of your vision will likely follow. It is important to note that if one eye is showing symptoms, the other eye is likely to follow. **Dry AMD** 90% of all AMD cases are classified as dry AMD, thankfully it is the milder form of the two possibilities. Dry AMD is caused by a buildup of protein and fat deposits underneath the retina, it is nearly impossible to detect beyond following trends in vision loss over a long period of time. Dry AMD doesn’t commonly cause total vision loss, but it will absolutely make an individual’s vision noticeably worse and can lead to wet AMD. **Wet AMD** Wet AMD accounts for the other 10% of AMD cases. When suffering from wet AMD an individual’s macula is flooded with blood and fluid from abnormal blood vessels; hence the title “wet” AMD. If dry AMD is ignored, wet AMD is often the result. Wet AMD progresses very quickly and can cause substantial permanent vision loss if not treated in a timely manner. **Treating AMD** AMD is one of the most well-studied ocular diseases in existence. Which has led to some incredibly groundbreaking treatments that can help to prevent and reverse some of the damage done by this terrible disease. While reversing total blindness is beyond the scope of any existing treatments, getting out ahead of your AMD can often result in extremely positive results. The most common treatments involve regular ocular injections to halt the growth of blood vessels that commonly cause AMD. However, medications like the AREDS Formulation, EYLEA, Lucentis, and Avastin are growing increasingly popular as preventatives and symptom relievers. Realistically, the most important aspect of avoiding potential vision loss related to AMD is to stay proactive. Like most age-related health issues, avoiding the problem altogether or catching it early can result in little to no long-term damage. The rule of thumb is that any time you feel your vision is shifting, visit your eye doctor. More often than not, major ocular issues aren’t visible to the naked eye. [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for life insurance. Our primary mission: Work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. See how [Abacus](https://abacuslifesettlements.com/) can bring value to your life today by completing our Life Settlement Calculator and calling our team at [800-561-4148.](tel:8005614148) **Categories:** Life Settlement Blog --- ### [Senior Guide to Glaucoma Symptoms, Risks, and Care](https://abacuslifesettlements.com/senior-glaucoma-care/) **Published:** February 14, 2018 **Author:** Admin **Content:** ## Senior Glaucoma Care One of the biggest tragedies in senior care is when minor issues that can be almost entirely minimized cause long-term, often serious problems. Things like high blood pressure, bed sores, and diabetes are all common examples. None of them are particularly serious issues in seniors, or at very least they aren’t terminal conditions. The serious problems they all present come from undertreatment, and lack of preventative care. Glaucoma, like the previously mentioned impairments; typically goes undiagnosed until vision loss begins occurring, which is often too late. ### **What is Glaucoma?** Glaucoma is an irreversible and incurable disease that will eventually cause vision loss if ignored. It most commonly presents itself in the elderly, and typically remains undiagnosed until it is too late to fully prevent any loss of vision. The most common form of glaucoma by far is Primary Open-Angle Glaucoma, and it currently affects roughly three million Americans according to **[Glaucoma.org](https://www.glaucoma.org/glaucoma/primary-open-angle-glaucoma.php)**. This form of glaucoma occurs when an individuals inner eye pressure increases to a point that prevents fluid from draining out of their eye. It is very rarely self-diagnosable before vision loss begins occurring. But through regular doctor visits, it can often be diagnosed and treated early on with very little negative effects with basic prescription medication. Angle-Closure Glaucoma is significantly rarer than Open-Angle Glaucoma, and is much more severe. When individuals suffer from this form of glaucoma the outer edge of the iris bunches up on their drainage canals, preventing fluid drainage. The difference in severity is major, with Angle-Closure Glaucoma often presenting what can feel like immediate issues. Even if diagnosed early, Open-Closure Glaucoma typically requires laser or conventional surgery to remove a small portion of a patient’s iris to unblock the drainage canals. ### **How to Avoid Glaucoma** Glaucoma isn’t a disease that requires major lifestyle changes to prevent, or get out ahead of. All that is required is consistent preventative care, and following your doctor’s orders closely when they identify a potential glaucoma issue presenting itself. As previously mentioned, there is no cure for glaucoma; if it advances too far you will likely develop chronic issues. The great news however, is that it is often a completely preventable disease with proper healthcare and medication. ### **Diagnosing Glaucoma** Self-diagnosing glaucoma unfortunately often means waiting until serious issues present themselves and reacting to them. If you are experiencing a general cloudiness in your vision that never seems to go away, eye pain, nausea when light levels change, rainbows or halos around lights, or severely blurred vision you may be suffering from glaucoma. Realistically, any newly presented vision issues in seniors should be immediately addressed, as they could easily be related to glaucoma. Your doctor can test for glaucoma well before any issues present themselves in a number of ways. Doctors typically measure eye pressure, inspect eye draining, examine optics nerves for damage, and measure cornea thickness. With regular testing you can get so far ahead of glaucoma that serious issues my never present themselves, and your vision will be well preserved well into your golden years. **[Abacus Life Settlements](https://abacuslifesettlements.com/about-us/)** functions as a leader in the secondary market for life insurance. Our primary mission: Work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. Use our [**Life Settlement Calculator**](https://abacuslifesettlements.com/qualify-a-life-settlement/) to view your free estimate today. **Categories:** Life Settlement Blog --- ### [Aging with Health and Happiness](https://abacuslifesettlements.com/aging-health-happiness/) **Published:** January 16, 2018 **Author:** Admin **Content:** Frank crossed the line at the annual Ragnar Relay in Hapuna Bay, Hawaii, with his arms raised and a triumphant smile on his face. A 30th-place finish, nothing to write home about typically, but this one was special for Frank. 100 relays in 30 years, peppered with almost daily golf games, twice monthly travel, and an active role in the University of Central Florida’s athletic department. On his 90th birthday, Frank had realized a dream he had settled on at 58; to still be a vibrant, healthy, active individual when most of us are slowing to a crawl. He didn’t get there by accident or strike the genetic lottery either. Frank has worked hard every day to make sure he doesn’t have to slow down until he decides he wants to. **Senior Health** According to the CDC, 40% of Americans over the age of 65 are either under- or overweight. Without even mentioning exercise, nearly half of all seniors don’t meet healthy dietary requirements, which can drastically affect quality of life. AARP seems to publish a new study almost every other week on the negative effects of under- or over-nourishment on senior health. Most recently, they found that diet sodas show indicators of increasing risks involved with stroke and dementia. AARP also recently cited a study that showed that seniors (one of the largest coffee and tobacco demographics in the U.S.) are more likely to suffer from dozens of preventable diseases if they adopt a healthy diet and avoid smoking. Six of the major diseases that a proper diet can help seniors avoid include: - Heart Disease - Stroke - Kidney Disease - Cancer - Peripheral Artery Disease - Hypertension Diet is just half the equation to excellent mental and physical health well into your senior years, however. The CDC has found that 80% of American adults don’t participate in the recommended weekly amount of exercise. To put that in perspective, two days of activity that last between 30-60 minutes is all it takes to meet weekly exercise goals. Exercise is incredibly important; the role it plays in our short and long-term health is arguably even greater than the role diet plays. There isn’t a single 100-year-old who mentions that they remain stagnant when interviewed. Many of them still garden, shop for their own groceries, engage in social circles, or get at least some form of physical and mental stimulation daily. The list of preventable diseases that consistent exercise helps prevent goes on forever, but here are a few of the major ones: - Arthritis - Heart Disease - Cancer - Respiratory Diseases - Alzheimer’s Disease - Diabetes - Obesity - Shingles Frank likes to use a particular saying when he is explaining the importance of both diet AND exercise to his peers. “A 1990 Pinto isn’t going to beat a Ferrari just because you have premium gasoline in it. But a brand-new Ferrari is useless if you pump it full of cheap gas and don’t change the oil.” The human body is infinitely more complex than an internal combustion engine, but we often treat our cars better than our bodies. Put in good fuel, and make your body a Ferrari by exercising consistently; the last thing you want to be is a 1990 Pinto with cheap fuel and old oil. **Live a Longer, Happier Life** Major longevity companies have spent billions on studying the human condition and what factors directly affect life spans. In recent years, the questions they ask clients have shifted dramatically towards fitness and diet, and for good reason. A decade ago, a longevity company may have asked you if you smoked, then they would dig into your medical records and draw a conclusion. Now longevity companies ask questions like “Do you garden?” and “Do you shop for your own groceries?”. These everyday physical activities have a major, quantifiable effect on health and longevity. So much of the healthcare industry is based around making sure we live as long as we possibly can. For those living with serious problems, that may not mean living a comfortable life. Modern medicine is a marvel, and every senior health plan should include regular check-ups. However, the quality of one’s life raises exponentially with a proper diet and exercise regimen. Frank speaks with individuals 20 years his junior who are starting to struggle with physical ailments almost daily in his position at UCF. “Start walking today, walk a little further tomorrow, work on your diet, and join a club,” he repeats ad nauseam. “Call me in a year when you feel like you’re in your 30s again.” **Franks Golden Rule** Frank has spent his entire life involved with diet, fitness, and health philosophy on a personal and academic level. Hundreds of young men and women attribute their healthy lifestyle philosophies to what he taught them. Every single life he has touched knows Frank’s Golden Rule by heart: “The first step to every healthy day is food.” If you start your day out with a great meal, everything else has a much easier time falling into place around it. If you or your loved one is suffering from any of the previously mentioned issues, you may qualify for a **[Life Settlement](https://abacuslifesettlements.com/learning-center/)**. Many seniors qualify for Life Settlements even if they are otherwise healthy or only suffering from “normal” aging problems like diabetes and high blood pressure. A Life Settlement can help pay for medical bills or long-term care. **[Contact us](https://abacuslifesettlements.com/contact/)** at 1-800-561-4148 for your completely free Life Settlement consultation or fill out our simple **[Life Settlement Qualifier](https://abacuslifesettlements.com/qualify-a-life-settlement/)** to find out if a Life Settlement is right for you! **Categories:** Life Settlement Blog --- ### [A Little Known Way to Finance Your Alternative Cancer Treatment](https://abacuslifesettlements.com/viatical-settlement-natural-care/) **Published:** December 12, 2017 **Author:** Admin **Content:** ![Discover a Strategy to Finance Your Alternative Care](https://d2v4vjmuxdiocn.cloudfront.net/wp-content/uploads/how-to-finance-your-alternative-cancer-care.jpg) # Viatical Settlement: A Little Known Way to Finance Your Alternative Cancer Treatment Each day over 1,600 Americans die from cancer.1 Sadly, many of these deaths are absolutely unnecessary. Conventional oncology holds tightly to a limited toolbox which includes deadly chemotherapy, radiation, drugs, unnecessary or invasive surgeries, and other such toxic treatments. Most of us have family members, friends, or acquaintances who have suffered and died from cancer while using [conventional cancer treatments](https://thetruthaboutcancer.com/conventional-cancer-treatment-never-cure-cancer/). Many of us privately know or at least suspect that the conventional or “orthodox” treatments actually hastened or caused these deaths. Excellent natural treatments abound… and at a fraction of the cost of conventional cancer care. Thousands of people each year are being healed of cancer and other major diseases by natural means which have decades of success bringing vibrant health back to “terminally” diagnosed cancer patients. This is precisely what happened in my case. I speak to you as a Stage IV (then terminal) cancer conqueror within this past year. What a story I have to tell for another article! After the failure of conventional therapies, I turned to naturopathic treatments and the disease was completely routed. **Cancer is *not* a death sentence. The cures are here and I’m living proof**. ## “Cancer Is Not a Disease, It’s a Business”2 In 2012, the American Cancer Society stated the cancer industry was costing us $226 *Billion* annually.3 Unfortunately, **Health Insurance companies have not kept pace with the science behind natural healing**. In an effort to retain their portion of the massive profits of the conventional cancer industry, they have joined sides with the controlling forces of our day: The American Medical Association with its monopoly of currently accepted treatments, the giant drug industry – deriving huge profits from symptom suppression not curing, the major media (which is dependent on the advertising dollars of the drug cartel), and our own Federal Government (including its public watchdog groups). These forces deny American families critical information about treatment efficacies and funding to cover naturopathic costs. No major insurance carriers specializing in cancer/heart/stroke/critical illness policies are to be found that pay benefits for specific natural protocols. **However, both the cures for cancer as well as finances for natural treatments are within your reach.** ![Health Insurance companies have not kept pace with the science behind natural healing. Click to discover one option how you can finance your natural healing path.](https://d2v4vjmuxdiocn.cloudfront.net/wp-content/uploads/health-insurance-natural-healing-coverage.jpg) ## Viatical Settlement: Your Hidden Financial Treasure? Many Americans today hold life insurance policies. Through a powerful but little-known Supreme Court decision in 1911,4 it was ruled that a person’s life insurance policy could legally be sold – *even while the holder is still living*. This ruling – the majority opinion being voiced by the famous Justice Oliver Wendell Holmes – along with the more recently affirming HIPAA legislation in 1996 still stands, although **few people even know of its existence**. Amazingly, over 90% of all American life insurance policies are unclaimed today,5 creating an immense windfall for the insurance companies. When disease strikes, many people merely let their policies lapse by non-payment, thinking they can no longer afford to continue them, which is not a well-advised strategy. In a direct application for terminal or chronically ill patients, **legally licensed financial services brokers6 are helping them unlock financial assistance for their natural treatment protocols!** ## Did You Know You Could Sell Your Life Insurance Policy? Through their own network of separately licensed investors, some financial services brokers are providing funds called [Viatical Settlements](https://abacuslifesettlements.com/viatical-settlement/) – which makes use of an obscure Latin term meaning “provisioning along the way.” **Viatical settlements routinely provide up to 80% of the face value of a life insurance policy for the owner in cash**. For instance, on a policy with a face value of $500,000.00, an amount of $400,000 would be possible. (And if you qualify you might receive an advance of 25% of that settlement within days). This is *another* amazing revelation to most Americans. “I can actually *sell* my life insurance policy – now? And for what amount?” Yes, you can sell it now! And yes, you can use these funds as you wish. It could be any kind of policy such as: term, universal, whole, group, FEGLI, and more. All kinds of policies are available. But of the 1,600 Americans who will die today of cancer, probably less than 50 will have ever heard about this option. ## Is Viatical Settlement Right for You? Since most everyone knows that all natural treatment costs are routinely denied by the insurance monoliths, most families’ knee-jerk reaction is to instantly disregard these options, too. Clearly the press coverage is unmercifully biased against them. **But my advice to you today is to consider the following:** - The [Viatical Settlement](https://abacuslifesettlements.com/viatical-settlement/) industry is a mature, refined segment of the business community today, although largely unknown. - Thousands of people have been assisted through the process. - There are networks of outstanding naturopathic, metabolic or cellular terrain practitioners worldwide having amazing success, although many are being fiercely persecuted for their healing advances. **When locating a trustworthy viatical company you should expect the following:** - Your broker will be an outstanding example of propriety, giving caring, detailed guidance along the path. - This work will be done at no charge to you, the policyholder. - All charges should be paid by the buyer of the policy. - Your privacy will be strictly maintained through the process. - The funds will be a federal non-taxable event when specifically handled through the broker’s licensed investors. - ALL types of life insurance policies may be sold, e.g., Term, Whole, Universal, employer group plans, FEGLI, etc. - No medical exams nor blood work will be required. Your current medical records will suffice and should be securely forwarded by your physician to the broker at the broker’s cost. - You and your family will have a right of rescission for 10 days following the completion of the transaction. - The buyers of the policy will continue to pay the policies they now own. You will have no further involvement with it. - No negative financial recriminations will return to you: as you successfully find healing, you will still owe nothing. - The funds to you are a federal tax-free event. - The funds from your life insurance policy can be used for *anything you wish*, including medical trips/vacations, paying off the mortgage, or simply providing dignity for the journey. Financing your path to health is *now available to you*, no matter what forms of treatment you choose. Many people I talk with are rightfully shocked that the “hidden riches of secret places”7 have been successfully shrouded for almost 100 years… but they have been right there – in plain sight – all the time. If you or your loved ones suffer from health challenges, it may be wise for you to consider this largely unknown financial assistance vehicle that can make all the difference in your life. ### **Sources and References** - [1. Cancer Facts & Figures 2017](https://www.cancer.org/research/cancer-facts-statistics/all-cancer-facts-figures/cancer-facts-figures-2017.html) - [2. Naturalnews.com](http://naturalnews.com/) - [3. Cancer Facts & Figures 2012](https://www.cancer.org/research/cancer-facts-statistics/all-cancer-facts-figures/cancer-facts-figures-2012.html) - [4. Grigsby v. Russell 222 U.S. 149 (1911)](https://supreme.justia.com/cases/federal/us/222/149/case.html) - [5. Life Insurance Industry Under Investigation](http://www.cbsnews.com/news/60-minutes-life-insurance-investigation-lesley-stahl/) - [6. Isaiah 45:3](http://biblehub.com/isaiah/45-3.htm) **Categories:** Life Settlement Blog --- ### [Life After a Cancer Diagnosis](https://abacuslifesettlements.com/life-cancer-diagnosis/) **Published:** December 12, 2017 **Author:** Admin **Content:** Most people I speak with that have been diagnosed with a major illness, particularly cancer, share a very similar experience. There is an immediate moment of disbelief, followed by a series of emotional responses unique to each individual; and ultimately an overarching weight is left behind that can feel impossible to shake. After a diagnosis, there are tests, procedures, medications, bills, sacrifices, and hardships that are impossible to quantify. Many share a similar feeling of hopelessness in the beginning, but I am here to tell you; it gets better. I can’t speak on the severity of each case, nor can I pretend to understand the emotional mountains being climbed every day by a senior that has been diagnosed with cancer. But I can share my experiences, and the experiences of my family members and close friends I have made over the years in the cancer community. There is hope out there, and there are ways to continue living life independently and on your own terms. # **Join a Cancer Community** There is quantifiable scientific proof that a positive outlook and sense of belonging to a community have positive effects on recovery. It is important that an individual suffering from cancer knows that they aren’t alone. There are others sharing in their victories, and there is a significant sense of hope to be gained seeing someone with a similar prognosis thrive. While family members and friends may have the absolute best intentions in their hearts, it’s hard to compare to the bond formed between those with a shared experience. The [Cancer Support Community](https://www.cancersupportcommunity.org/resources) is an excellent resource when looking for a group to share in your journey with. They have a full A-Z list of every single cancer community in the United States; no one should ever feel like they have to face down cancer alone. ### **Focus on [Dietary Health](https://abacuslifesettlements.com/hbp-seniors/)** Dietary health has long been the centerpiece of most natural cancer cures, and in recent years, it is gaining more and more traction in the traditional medical community. It is difficult to nail down exactly what foods contribute to which types of cancer; I encourage anyone I speak with on the subject to attempt to follow a completely clean diet and move forward from there. If they absolutely can’t live without certain aspects that may be risk-factors, that’s fine. Any amount of improvement in your diet can have incredible results on your overall health, and in this particular case, it can help you beat cancer. There are diets out there that outline exactly what foods to eat, and which foods to avoid with specific macronutrient counts down to the gram. For our purposes here, however, I will just share a general “Anti-Cancer Diet”. - **Cut out Sugars –** Heavily refined sugars, flours, and dairy products can all strengthen and feed cancer cells. If you have a sweet tooth I would recommend sticking to naturally occurring sugars such a glucose from fruits; or natural cane sugar. - **Avoid Carcinogens –** Carcinogens are foods, or substances, that have been found to actively contribute to the growth of cancer in the body. Trans fat is in nearly all processed foods, which includes a vast majority of the food you find at any fast or fast-casual restaurants, snacks, margarine, and French fries. Stick with real butter and cook your own food every chance you get. - **Chemical Heavy Diets –** This point is more controversial than the others since research seems to change consistently as time goes on. But it is generally agreed upon that anyone should avoid excessive caffeine, alcohol, nicotine, and any other “binge” chemicals. The easiest way to understand how to best diet when facing down cancer is that raw food is generally better for you. Eat as many raw fruits and vegetables as possible, not only are they generally excellent for your overall wellbeing, they actively contribute to your cancer health. ### **Pursue Your Bucket List** The term “Bucket List” is used loosely here because the goal of pursuing your life goals is actually to get better. Much like joining a supportive community, the massively positive effect that completing aspects of your bucket list brings can actively help you deal with cancer. Maintaining your mental health is paramount to maintaining your physical well-being. This has been proven by some of the most well respected medical journals on Earth including The New England Journal of Medicine, The Mayo Clinic Proceedings, and The Journal of Internal Medicine. Beyond the measurable effects on the healing process, I have seen far too many individuals suffering from cancer focus so intently on treatments that they forget themselves. If you don’t dedicate yourself to mental health the compounding effect will eventually catch up to you. Reward yourself with some simple happiness every once and a while. ### **Utilize Cancer Resources** There are a number of incredible cancer resources for those seeking a range of different treatments. Whether you decide to pursue traditional cancer treatment or go the increasingly popular route of natural cancer treatment; you have options. There is a website and community for just about any type of cancer, along with hundreds of funding options, and countless different treatment methodologies. My personal recommendation is that you utilize trusted information sources that have done the vetting for you. If you are pursuing traditional care, the [National Cancer Institute](https://www.cancer.gov/) is the gold standard. There are pages and informative posts on every type of cancer. A broad range of funding options; including charities, foundations, and more obscure options like life settlements, and reverse mortgages. Doctor resource centers to connect you with the best possible physician and active communities to help support you. [CancerTutor.com](https://www.cancertutor.com/) is a rapidly growing cancer website that is focused on natural care. There are hundreds of options to consider if you decide to pursue natural care, some of them considerably more reputable than others. Cancer Tutor vet’s clinics and methodologies within an entirely non-profit model. Allowing you to choose a doctor confidently. Cancer Tutor also has a range of community resources, diets, videos, and an incredible message of empowerment. ### **Never Stop Fighting** No matter what route you decide to take; whether it be natural or traditional. If you decide to join a cancer community or rely on the support of your friends and family exclusively. Whether you change your diet up or not. The most important thing to always keep in your mind is to never stop fighting. Every day, hundreds of Americans beat cancer, and I genuinely believe that you can too. For more information on [Abacus](https://abacuslifesettlements.com/ "Abacus") or [Viatical Settlements](https://abacuslifesettlements.com/viatical-settlement/ "Viatical Settlements") please reach out to us at [800-561-4148](tel:8005614148). **Categories:** Life Settlement Blog --- ### [Talking About Senior Life Settlements](https://abacuslifesettlements.com/senior-life-settlements/) **Published:** September 18, 2017 **Author:** Admin **Content:** # **Why Life Settlements Are Worth Talking About To Your Senior Clients** **Unlock the Cash Potential of Life Insurance** Financial professionals are beginning to realize the potential of a life settlement and they are transferring that knowledge to their senior clients who could benefit from this financial opportunity.  Life Settlements are a viable option for many seniors that no longer need their insurance policy.  We have seen the cost of new insurance policies become increasingly competitive due to the use of the new mortality tables.  A life settlement often results in the senior client getting the funds to replace their old policy with new coverage at a lower premium payment. \* Life Settlements aren’t for everyone, but they often can be an attractive option for seniors that fit the appropriate criteria. **About Life Settlements** A [life settlement](https://abacuslifesettlements.com/learn-how-life-settlements-work/) is a financial transaction in which a policy owner possessing an unneeded or unwanted life insurance policy sells the policy to a third party for more than the cash surrender value. The purchaser becomes the new beneficiary of the policy at maturation and is responsible for all subsequent premiums. One of the ways that [Life Settlements](https://abacuslifesettlements.com/learn-how-life-settlements-work/#definition) are playing a key role as a wealth management tool is the opportunity to use the proceeds from the settlement for replacement coverage.  Many of the cases coming through our door involve strategies whereby the proceeds, or a portion of the proceeds, are used to finance a more cost-efficient policy now that the rates for seniors are more competitive than they had been years ago before the mortality tables were adjusted. **The Marketplace** As the Life Settlement marketplace continues to expand and as increased numbers of high net worth seniors seek liquidity from unwanted life insurance policies, we find it apparent that the Life Settlement industry is maturing as it relates to the industry’s impact on the financial services marketplace.  As circumstances change, the ability to obtain cash from the sale of a life insurance policy can be particularly valuable. In our experience, the majority of Life Settlement transactions are entered into for the purpose of purchasing other insurance and financial products. [Senior Life Settlements insurance](https://abacuslifesettlements.com/policy-sellers/) proceeds are unrestricted and can be used to fulfill a wide range of financial and estate planning objectives for your client. **Achieving Financial Objectives** An increased number of wealth management professionals are just now beginning to understand how seniors can leverage the value of their life insurance to achieve a number of financial objectives. Although some financial professionals who have been involved in life settlements for several years have noticed the growing acceptance to the idea of selling policies on the secondary market, there are many others who are just now learning about the concept of a Life Settlement. Financial advisors should be aware that a life settlement should only be done in the best interests of the client. For example, if a 75-year-old individual plans to let a $1 million policy lapse because the premium payments are too expensive and the reason for the coverage no longer exists, the financial planner should inform the client that a life settlement might be a better option, including the option to donate the proceeds to charity to help offset the tax consequences. **Baby Boomers** It is likely that within the next few years, the number of financial advisors handling Life Settlements will increase dramatically due to the wealthy baby boomers that are looking at this viable option for themselves, or for their aging parents. But, what happens when circumstances change, premium payments become burdensome, and the original need for a life insurance policy no longer exists? With the emergence of the secondary market for life insurance, some industry experts say today’s Baby Boomers are more inclined to purchase sufficient coverage to address their planning needs because they know that they have the Life Settlement option as an exit strategy if circumstances change once they reach age 70. **In Conclusion** The life settlement industry is gaining momentum while attracting greater regulatory scrutiny, and we believe 2017 will be a pivotal year in defining the industry’s future. There is little doubt that the product has helped thousands of seniors tap the liquidity of an unwanted asset. According to our own internal statistics for 2016, life settlement offers generated by Abacus Settlements provided seniors with approximately $285 million beyond cash surrender value. Considering the positive economic impact for seniors, we believe the life settlement industry will expand as more seniors become knowledgeable about how the product can help them achieve their financial objectives. The option of selling one’s life insurance policy as part of a broader financial planning strategy can often be a prudent financial decision, but nonetheless a significant step for the policyholder. That’s why we encourage seniors to seek professional guidance when considering this transaction. **About Abacus** Abacus is committed to providing consumers with the knowledge they need to make informed decisions regarding life insurance policies that are no longer needed or affordable.  A life settlement may not be appropriate for all circumstances.  Policy sellers should consider all options before entering into a Life Settlement. Visit our [Learning Center](https://abacuslifesettlements.com/learning-center/) or Call [800-561-4148](tel:8005614148) to learn more. \*Due to life expectancy and health considerations, not all seniors will be able to purchase insurance to replace their existing coverage at a lower cost.  Prior to entering into any life settlement arrangement, the need for replacement insurance should be considered, and if suitable, a new policy should be in place. NFP Securities, Inc. does not provide tax or legal advice. **Categories:** Life Settlement Blog --- ### [High Blood Pressure/Hypertension in Seniors](https://abacuslifesettlements.com/hbp-seniors/) **Published:** August 21, 2017 **Author:** Admin **Content:** # **High Blood Pressure: The Health Implications and How to Avoid Them** 58% of adults 55+ are actively being treated for high blood pressure (Hypertension). It is by far the most common chronic condition amongst seniors in the United States. It is also by far one of the most dangerous. Several of the top 10 leading causes of death amongst seniors are entirely or partially attributable to uncontrolled high blood pressure. Issues like Heart Disease, Stroke, Kidney Disease, Vision Loss, CAD, and PAD are all directly attributable to hypertension. The good news is that high blood pressure is controllable, and your risk of developing major conditions can be reduced drastically with some simple lifestyle changes. **Impairments Related to High Blood Pressure** Heart Disease; which includes heart failure, heart arrhythmia, and heart attack, is defined by your heart beating ineffectively, causing impaired circulation. Essentially, the higher your blood pressure is, the harder your heart has to work to effectively pump blood throughout your body. Sustained high blood pressure puts your heart through such significant pressure that it often begins presenting symptoms that are irreversible if ignored. More Americans, specifically seniors, die from Heart Disease and related symptoms annually than any other cause of death. Stroke, the fourth-leading cause of death for seniors in America is next on the list of avoidable issues that controlling hypertension can help you to avoid. High blood pressure damages arteries throughout the entire body, not just the heart. The constant force being placed on your circulatory systems walls eventually creates conditions where your arteries can easily burst or clog. In the case of Stroke, weakened arteries in the brain, one of your bodies highest blood density organs, clog more easily than in many other areas of the body. Kidney Disease the ninth leading cause of death, affecting 18% of all American seniors is also heavily reliant on elevated blood pressure levels. Your circulatory system and kidneys rely on one another for overall good health. Your kidneys are surrounded with a dense network of blood vessels. These blood vessels supply your kidneys nephrons with a continuous flow of blood both in, for filtration, and out, to return to general body circulation. Arteries damaged through high blood pressure cause the kidneys to have greatly, or completely diminished filtration ability. This can lead to your body having serious issues regulating fluid, hormones, acids, and salts in your blood. Healthy kidneys also produce a hormone called aldosterone, this hormone is how your body naturally regulates blood pressure. Damaged kidneys have more issues regulating blood pressure, and unregulated blood pressure causes more damage to the kidneys, resulting in a negative spiral that is difficult to pull out of. High blood pressure can also lead to vision loss, which while difficult to quantify, affects a large group of the senior population. Retinopathy, or blood vessel damage in the eye, is caused by hypertension. It can lead to blurred vision or complete loss of sight. High blood pressure also leads to Choroidopathy which is fluid buildup under the retina. Because the retina is so sensitive to outside factors this fluid build-up often leads to distorted vision, or in some cases scarring that permanently impairs vision. Optic Neuropathy is the most dangerous of the vision issues hypertension can lead to. It is the result of blocked blood flow to the optic nerve which can cause severe damage or kill nerve cells in your eyes. If this damage goes unchecked it will often lead to temporary or permanent blindness. PAD or Peripheral Artery Disease is very similar to another issue caused by high blood pressure, CAD or Coronary Artery Disease. While CAD is caused by plaque buildup in the walls of the blood vessels in and around the heart, PAD is caused by fat and cholesterol buildup due to weakened arteries. Most people who have PAD experience cramping, pain, and tenderness in their lower body when physically engaging themselves in any way, including walking or climbing stairs. The pain experienced from PAD is typically limited to when you are actually exerting yourself and quickly disappears when your body is at rest. Many people try to “tough out” the symptoms involved with PAD since they are painful but rarely debilitating. This issue is further magnified by the fact that PAD is commonly undiagnosed by healthcare professionals since it is typically an afterthought. People with PAD have a higher chance of CAD, heart disease, and stroke; which are all risk factors that are only multiplied further by high blood pressure. If PAD remains unchecked for too long it can lead to possible gangrene and amputation of extremities. Although these symptoms typically only present in very extreme cases. **Preventing and Reversing High Blood Pressure** Eating a Heart Healthy diet has become a common rallying cry in regards to heart health and general wellness in the past decade or so as hypertension and heart disease awareness rises. Most people massively over complicate just how simple it can actually be to eat heart-healthy. The most important thing by far is lowering sodium intake. Practice reading labels during several shopping trips and you’ll start to notice a high sodium trend, even in unexpected products. The average American intakes 3,400 mg of sodium daily, the FDA suggests that individual’s intake 2,300 mg at the high-end. Just to put that into perspective, one Big Mac contains 1,007 mg of sodium; that’s not including fries, condiments, and a drink. Beyond cutting down drastically on sodium intake, avoiding sweets and sugars is an easy step to take. There are a wealth of tools available to accurately track your diet, one of the most popular being MyFitnessPal. It can be eye-opening to track your diet exhaustively, most people aren’t aware of just what their daily food and beverage intake actually break down into. **Do Eat** - Fruits (not fruit juice) - Veggies - Chicken, Turkey, & Fish - Nuts and Legumes - Vegetable Oils **Do Not Eat (In Excess)** - Saturated Fats - Sodium - Fatty Red Meats - Sweets and Soda/Alcohol Diet and exercise are the closest you can come to a “magic bullet” in relation to health. Once you get your heart-healthy diet in place, it’s time to consider your activity levels. The list of diseases that overall physical health can prevent is incredibly long and growing year-by-year as we learn more about medical science. Exercise helps manage weight, improve your mood at a biological level, strengthen your heart, and most on subject for this article; exercise prevents and reverses hypertension. 150 minutes of exercise a week is enough to lower your risk factor across the board for major diseases like Heart Disease, Stroke, Kidney Disease, and Hypertension. That is 2.2% of your waking week assuming you get a full 8 hours of sleep a night. 2.2% of your time in exchange for an almost guaranteed shot at health and longevity seems like a pretty easy decision. Physical activity can include anything, so long as you are getting your body moving. You don’t have to hit the gym and pump iron or go run a marathon, just get out and walk. Park at the back of the parking lot, take the stairs, these little activities add up faster than you would think. Combining a sensible diet with consistent exercise will naturally lead to weight loss which further reduces your risk factor for high blood pressure. As an added bonus, you also reduce your risk of contracting type 2 diabetes, several types of cancer, and increase your overall quality of life. High blood pressure can be easy to ignore because it’s a silent and slow killer. It is still a killer, however, and it’s a precursor to some of the deadliest diseases in modern America. The good news is, it is completely avoidable. If you or your loved one are suffering from any of the previously mentioned issues you may qualify for a Life Settlement. Many seniors qualify for [Life Settlements](https://abacuslifesettlements.com/learn-how-life-settlements-work/) even if they are otherwise healthy or only suffering from “normal” aging problems like diabetes and high blood pressure. A Life Settlement can help pay for medical bills or long-term care. Contact us at 1-[800-561-4148](tel:8005614148) for your completely free Life Settlement consultation, or fill out our simple [Life Settlement Qualifier](https://abacuslifesettlements.com/qualify-a-life-settlement/) to find out if a Life Settlement is right for you! **Categories:** Life Settlement Blog --- ### [Health Risk Factors in Seniors](https://abacuslifesettlements.com/risk-factors-poor-health-among-elderly/) **Published:** June 5, 2017 **Author:** Admin **Content:** # Risk Factors of Poor Health Among the Elderly As we age our immune systems become weaker and illnesses can affect us more frequently. Specific risk factors that can have negative effects on health as we age include things such as lack of social interaction, lifestyle habits, injury, and financial issues. Social isolation in an often-overlooked risk factor that can lead to serious illness, or other issues in seniors. Depression among the elderly can go undiagnosed and is estimated to affect between 2 and 15 percent of individuals over the age of 65. Social interaction and medical attention can improve well-being and is vital to maintaining a high quality of life into your golden years. Studies have shown that poor health choices in your youth can often translate into poor health as a senior. Tobacco use, for example, is a well-known contributor to several forms of cancer and lung disease; while poor nutritional habits can lead to major heart issues and potentially fatal diseases such as diabetes. Alcohol abuse is a major factor as well, often leading to kidney failure later in life, which is rarely survivable and results in a poor overall quality of life. These habits are attributable to roughly 77% of the diseases seniors commonly suffer from, and can contribute to premature death. Injury is also a major risk factor that can lead to complications down the road. Many injuries amongst seniors are the result of falls which become increasingly more prevalent as an individual ages. Studies have shown that between 30 and 50 percent of people in long-term care facilities receive fall-related injuries annually. These injuries can be extremely detrimental to an individual’s health as they often require hospitalization and rehabilitation, which can be extremely costly. Aging is costly. Between doctor’s visits, unanticipated hospitalization, and various prescription costs; many people simply cannot afford the financial implications of their golden years. Without sufficient funds, settling for subpar medical attention appears to be an inevitable reality. However, a Life Settlement can help to provide funds that can allow you to survive the overbearing costs that accompany aging. Allowing you to and your loved ones to live comfortably, well into retirement. [Abacus Life Settlements](https://abacuslifesettlements.com/about-us/) functions as a leader in the secondary market for [life insurance](https://abacuslifesettlements.com/life-insurance-options/). Our primary mission: Work to help you understand your financial options. If you decide selling all or a portion of your policy is right for you, we can offer to purchase it from you at fair market value. We will provide all the numbers and details to show you how we determined its value and our offer, and if you decide to accept our offer we will provide you a lump sum amount and then take on all future obligations for the policy, including premium payments. Explore Our [Success Stories](https://abacuslifesettlements.com/case-studies/ "Success Stories") and visit the [Learning Center](https://abacuslifesettlements.com/learning-center/ "Learning Center") to discover how a [Life Settlement](https://abacuslifesettlements.com/learn-how-life-settlements-work/ "Life Settlement") could provide real value to you. **Categories:** Life Settlement Blog --- ### [Life Settlements May be an Option for Some Senior Consumers](https://abacuslifesettlements.com/life-settlements-premium-hikes/) **Published:** January 26, 2016 **Author:** Admin **Content:** # Life Settlements Might be an Option for Some Senior Consumers Following Recently Announced Premium Hikes for Universal Life Policies For more than 130 million American consumers, [life insurance](https://abacuslifesettlements.com/life-insurance-options/) (term or permanent insurance) is a critical component of sound financial planning. But when a permanent life insurance policy becomes too expensive to maintain due to premium increases, the owner is faced with some hard choices. In light of the recently announced premium hikes for certain universal life (UL) policies, many affected policy owners who thought their premiums would remain as originally illustrated when they purchased the policies years ago are ill-prepared to absorb substantial increases. According to the *Wall Street Journal*, the extra annual cost for policy owners will range from about $150 for those with $250,000 policies, to six-figures for those with multimillion dollar policies.  Some increases stretch beyond 200 percent. Historically, UL policies have been attractive products for many consumers because they combine a death benefit with a tax-advantaged savings account. Since the 1980s, UL policies have accounted for approximately 25% of all new individual life insurance sales, and more than 33% over the past decade. Unfortunately, the unanticipated rate increases come at a time when some UL policy owners are frustrated with lackluster returns for policies that combined a death benefit with a tax-advantaged savings account. When many of these policies were purchased, the insureds were expecting to use the policy’s tax-deferred savings account to help finance the future cost of insurance as they age. But due to the sustained low interest rate environment, many UL policy owners have seen their cash build-up dwindle and are currently struggling to keep the policy in force. In the past several years, [Abacus Settlements](https://abacuslifesettlements.com/) has purchased a substantial number of UL policies where owners were unable or unwilling to maintain the premiums. A [life settlement](https://abacuslifesettlements.com/learn-how-life-settlements-work/) can be an opportunity to regain lost premiums on an asset that has become more expensive than originally illustrated. In some instances, policy owners simply decided that the original purpose for purchasing the insurance no longer existed and they chose to use the proceeds from a life settlement to assist with medical expenses or to enhance their lifestyles. Looking to the future, [Abacus](https://abacuslifesettlements.com/about-us/) expects to see the number of settlements for UL policies increase due to the fall-out from the recently announced rate increases. While the Federal Reserve voted last month to raise the central bank’s benchmark interest rate by one-quarter of one percent, this minor increase is unlikely to make a measurable difference in generating interest income sufficient to salvage some policies that are already in danger. We recommend that a senior owning a UL policy contact their insurance advisor to request an immediate policy review to determine whether a life settlement is the most sensible option. Proactive and prudent management of a troubled policy will help ensure the most favorable outcome. And for those who decide that a life settlement is the most financially sound strategy, it’s important to act now before too many premium payments are missed or loans are taken against the policy. If you are an agent or a consumer and would like to speak with one of our representatives about a life settlement, please contact us at ([615) 732-6241](tel:6157326241). **Categories:** Life Settlement Blog --- ### [What Resources Do You Have for Life-Threatening Illnesses?](https://abacuslifesettlements.com/financial-help-video/) **Published:** May 20, 2015 **Author:** Admin **Content:** ## Financial Help for Life-Threatening Illnesses A video about how **[life](https://abacuslifesettlements.com/learn-how-life-settlements-work/)** and **[viatical settlements](https://abacuslifesettlements.com/viatical-settlement/)** can empower cancer patients and others with life-threatening illnesses to convert their life insurance into funds to fight illness. Meet Emily. She recently was told by her doctor that she has a life-threatening illness and she’ll need more care and assistance than her health insurance will cover or her family can afford. Her husband James is worried because he knows they need to explore **[every option](https://abacuslifesettlements.com/life-insurance-options/)** immediately so a plan for Emily’s care can be put into action. Then, James recalls something he’d read about converting existing life insurance to funds to help with lost income and pay for out-of-pocket medical expenses and deductibles while someone is still alive. It sounds like something they should look into since Emily has a life insurance policy and the premiums are going to become an issue as her medical needs progress. James researches **[life settlements](https://abacuslifesettlements.com/abacus-life-settlements-approved-in-florida/ "Abacus Life Settlements Home")** online and finds valuable information about using life insurance to generate funds for medical care. He learns that Emily’s existing life insurance policy can be leveraged in a number of ways. She can sell all or part of the policy for less than the death benefit but at a fair market value.  James also finds that any type of life insurance can qualify — Universal or term policies with seemingly no cash value could still have hidden value and provide immediate financial assistance to Emily. And to think, they had considered letting their policy lapse after reviewing their finances because they had concerns about the premium payments. Now, Emily and James realize they may be able to preserve their home and savings, and spare themselves the financial strain of funding Emily’s fight against her illness. They’re also happy to learn there are no costs or fees involved to find out if she qualifies, and no obligation once the policy is valued. If Emily qualifies, financial relief and peace-of-mind should come quickly, and the life insurance premiums would be paid for them. But, Emily is concerned that if they take advantage of this financial option, what would happen if she dies and they don’t have money for her funeral? Then James finds that the plan or agreement can include a provision where a portion of the policy can be “set-aside” to help cover funeral expenses and also leave money to her loved ones. Emily is relieved she won’t become a financial burden to her family. James is just glad they’ve found a way to get Emily the help she needs now and relief from expensive life insurance premiums. Both of them feel these options will allow them to focus on what’s most important. Now, the life insurance policy that they both felt was only an expense until death actually could have immediate value when they need it most. Political leaders and advocacy groups across the country are endorsing life settlements as a means to provide health care assistance for any serious illness, including cancer, ALS, Alzheimer’s, or heart disease. It’s easy to learn if you qualify and find how much you might receive. Before you abandon your life insurance policy, call us at **[Abacus Settlements](https://abacuslifesettlements.com/about-us/)**. See our **[Contact Us](https://abacuslifesettlements.com/contact/ "Contact Abacus Life Settlements")** Page. **Categories:** Life Settlement Blog --- ## Pages ### [Abacus Life Settlements - A Direct Buyer of Life Insurance](https://abacuslifesettlements.com/) **Published:** October 24, 2014 **Author:** Admin **Content:** Abacus Life Settlements \| A Direct Life Insurance Buyer NYSE: ABX  ·  BBB A+ Accredited  ·  20+ Years of Excellence # A Direct Buyer of *Life Insurance Policies* Your life insurance policy is your personal property. Abacus Life Settlements helps you unlock its full value — with no middlemen, no pressure, and no fees. [Get Your Free Estimate](/qualify-a-life-settlement/) [Get Your Free Estimate](#calculator) [How It Works](/learn-how-life-settlements-work/) [**6–8×**](#calculator) more than surrender value **24-48 hr** quotes available **HIPAA** certified & licensed **200+** dedicated employees Free · No Obligation ## How Much Is My Policy Worth? Recognized By [Fox Business](https://www.foxbusiness.com/) [The New York Times](https://www.nytimes.com/2017/10/13/health/life-insurance-policy-settlements.html) [Orlando Sentinel](https://topworkplaces.com/award/orlando/) [CNBC](https://www.cnbc.com/) [Fox News](https://www.foxnews.com/) [Forbes](https://profiles.forbes.com/members/finance/profile/Shane-McGonnell-Executive-Vice-President-Abacus-Life/410947fb-caf2-48b6-a5ec-f7e3ceb775c4) [Investopedia](https://www.investopedia.com/) [Bloomberg](https://www.bloomberg.com/) Your Policy, Your Choice ## Life Insurance Is Your Personal Property Life insurance policies are **your** property — not the insurance company's. Therefore, it is **your** choice if you want to sell your policy. **Abacus Life** offers the option of **life settlements** — a legitimate and reliable way to create financial options for your future. Life insurance is often a senior's largest asset, and one they can use to alleviate retirement challenges like medical expenses, living costs, and more. Why sacrifice a policy that you spent years paying into, when you can exchange your premium payments for a cash lump sum payment now? Get a **free, instant** estimate using our [Life Settlement Calculator](/qualify-a-life-settlement/) or contact us at [800-561-4148](tel:8005614148). [See the Abacus Difference](/qualify-a-life-settlement/) ### Why Choose Abacus? For over 20 years, Abacus has been the largest direct provider in the life settlement industry. As a direct buyer, your personal information stays private — and you receive your best offer without brokers in the middle. Our clients often receive **6–8× more** than what they would receive by surrendering their policy back to the insurance carrier. [Learn About Us](/about-us/) Our Mission ## 20+ Years of Client-First Life Settlements [Abacus Life Settlements](/about-us/) is the largest direct provider in the life settlement industry for the last 20+ years. Originally formed in New York's financial district in 2004 and now headquartered in Orlando, Florida, we employ 150+ people who collectively work to aid clients in their life settlement needs. We empower you with the [information](/learn-how-life-settlements-work/) you need to decide if selling your life insurance policy — or even a portion of it — is right for you. We'll walk you through the entire process from start to finish. We are committed to serving you with the utmost **confidentiality**, **transparency**, and **urgency** you deserve. 🔒 #### HIPAA Compliant We strictly adhere to HIPAA and privacy laws to maintain and protect the confidentiality of financial, health, and medical records. ⭐ #### BBB A+ Accredited Abacus is proud to be a [BBB Accredited Business](https://www.bbb.org/us/fl/orlando/profile/insurance-services-office/abacus-settlements-llc-0733-90405122) with an **A+** rating. 📋 #### Fully Licensed Nationally For a full list of states that Abacus is licensed in, [click here](/licensure/). Our Story ## The Abacus Life Mission Hear directly from our team about what drives us to serve our clients with transparency, urgency, and care. ## Abacus Life (ABX) is the only publicly traded company in the life settlement industry. Understanding Life Settlements ## What is a Life Settlement? By definition, a life settlement is the sale of a life insurance policy facilitated by a licensed provider like Abacus, in exchange for a lump-sum cash payment. The value of a settlement is always higher than the policy's surrender value, and clients often receive ***6–8× more*** than what they would through surrendering their policy directly back to their life insurance carrier. The [Abacus Learning Center](https://abacuslifesettlements.com/learning-center/) is an excellent resource for a deeper dive — including [case studies](/case-studies/), a detailed [history](/timeline-of-life-settlements/) of the industry, and specifics of [life settlement taxation](/learn-how-life-settlements-work/#taxation). To get started or ask questions, call us at [800-561-4148](tel:8005614148). Why Abacus ## The Abacus Advantage We take a unique, client-first approach to the life settlement industry. ### Transparency We believe in empowering our clients to make the best possible decisions for their life insurance policy. That means full transparency in how we generate your life settlement offer. ### Privacy Abacus Life is **HIPAA Certified** and fully licensed on a national scale. Pursuing a life settlement is sensitive, and it is crucial you work with a reputable and certified company. ### No Middlemen Abacus is a direct buyer of life insurance policies. Your personal information stays personal, and you receive your best life settlement offer — the same one most brokers already use. ### 24-48 Hour Quotes With a simple phone interview and basic policy information, Abacus can generate an approximate value for your policy. The [Life Settlement Calculator](/qualify-a-life-settlement/) also provides highly accurate results. Types of Settlements ## Different Types of Life Settlements You may have already encountered terms like "viatical settlement" or "retained death benefit." The terminology can be confusing — we'll clarify it all below. ### Life Settlements Commonly pertains to seniors over **70 years old** and/or those with health impairments that affect life expectancy. Most policy types qualify, including term life insurance. A life settlement is a one-time cash transaction — a full transfer of ownership in exchange for a lump sum. [Life Settlement Guide →](/learn-how-life-settlements-work/) ### Viatical Settlements An arrangement in which someone who is **terminally or chronically ill** sells their life insurance policy at a discount from its face value for cash now. If the insured has a life expectancy of fewer than two years, a viatical settlement can provide critical financial assistance. Typically **tax-free**. [Viatical Settlement Guide →](/viaticals/) ### Retained Death Benefit Allows the policy owner to **retain a portion** of their policy's death benefit rather than a cash lump sum. The buyer takes over 100% of premium payments. Beneficiaries still receive their guaranteed portion of the death benefit payout. **No matter your circumstances, we have a solution.** [Learn More →](/retained-death-benefit-rdb/) $200B is forfeited back to life insurance companies each year in the U.S. 90% of seniors would have considered a life settlement if they knew it existed Common Reasons to Sell ## Why Should I Sell My Life Insurance Policy? It is entirely a personal matter and should be carefully discussed with family and financial advisors. Here are some common reasons people choose to sell their life insurance policy. #### You Can No Longer Afford Premium Payments Changes in the insurance market could drive up the price of premiums you pay. Many potential policy sellers who are nearing a policy lapse choose to make a life settlement rather than surrendering the policy to the insurance company. #### Supplement Your Retirement Fund Others sell their policy with retirement benefits in mind. A life settlement is an excellent way to supplement savings in your golden years. #### Alleviate Medical Care or Other Expenses Life settlements are a viable alternative when it comes to assisting with medical bills. By selling your life insurance policy, you can pay off the entirety of your medical bills and build your savings. #### Your Policy Is No Longer Needed As a person transitions through various stages in life, they may find that they no longer need their policy. A settlement could be far more financially beneficial than surrendering the policy for a lesser payout. ## Get One Step Closer to Learning the Value of Your Policy Today! Use our unique Life Settlement Calculator for a free consultation, with no obligation to sell. [Life Settlement Calculator](/qualify-a-life-settlement/) Client Stories ## Real People with Life-Changing Results Client Story Sandra, Age 79 Got $110,000 for her $200,000 policy Sandra was struggling under the weight of high monthly premiums and needed resources to help with medical care and family needs. Abacus made the process simple and transparent. [Read Sandra's Story →](/meet-sandra/) Client Story William, Age 84 Got $1.2 million for his $5 million policy William and his family decided that his policy was no longer needed for their estate plan and considered surrendering it to the insurance company for a low payback — until they found Abacus. [Read William's Story →](/meet-william/) ## Options at Any Stage of Life [Seniors](/learn-how-life-settlements-work/) [Cancer Care](/viaticals/) [Agents & Brokers](/brokers-agents/) Common Questions ## Frequently Asked Questions ### How Do I Sell My Life Insurance Policy? ▾ Once you use our [calculator](/qualify-a-life-settlement/), we can run a valuation on your policy quickly and easily. While every provider handles the life settlement process differently, it really comes down to a six-step process: 1. Qualify 2. Expectations / Application 3. The Offer 4. Contracts 5. Verification 6. Funding ### How Much is My Life Insurance Policy Worth? ▾ The value of your policy is based on three factors: Age, Policy Type & Policy Value. Use the [Abacus Life Settlement Calculator](/qualify-a-life-settlement/) to see your policy's value in minutes. ### Are There Any Expenses to Use Abacus? ▾ Ultimately, we are here to help **you**. We do **not** charge for any of our policy value estimation services or consultations. Abacus is dedicated to making sure that you have the knowledge and resources to make the best decision for you and your family. ### Can I Sell My Life Insurance Policy? ▾ Simply put, yes. You are able to sell your life insurance policy if you meet the qualifications. Many types of life insurance policies qualify, including term life. --- ### [Life Settlement Guide | Abacus Life](https://abacuslifesettlements.com/learn-how-life-settlements-work/) **Published:** October 6, 2014 **Author:** Admin **Content:** How to Sell Your Life Insurance Policy \[Guide\] \| Abacus Life ![](https://abacuslifesettlements.com/wp-content/uploads/2026/05/Abacus-Life-New-Website-Photos-17.png) Abacus Life Learning Center Life Settlement Guide: # How to Sell Your *Life Insurance Policy* At Abacus Life, our goal is to help you fully understand life settlements and how they relate to the value of your life insurance policy. Take the next step toward learning how to sell your policy. [Free Life Settlement Estimate](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) Jump To ### Table of Contents - [1Definition](javascript:void(0)) - [2Case Studies](javascript:void(0)) - [3Eligibility](javascript:void(0)) - [4Should I Sell?](javascript:void(0)) - [5Options](javascript:void(0)) - [6Policy Valuation](javascript:void(0)) - [7The Process](javascript:void(0)) - [8Regulation](javascript:void(0)) - [9Taxation](javascript:void(0)) - [10Getting Started](javascript:void(0)) The Foundation ## What is a Life Settlement? A life settlement is a financial transaction in which you sell your existing life insurance policy to a licensed life settlement provider. The sale price is higher than the policy's cash surrender value, but less than the full death benefit. When you sell your policy, ownership and beneficiary rights transfer to an institutional investment fund, and you receive a lump-sum cash payment that is often **six to eight times more** than the cash surrender value. This money is yours to use [however you choose](/top-7-ways-to-spend-your-life-settlement-money/). In some cases, a life settlement can also take the form of a retained, paid-up death benefit, allowing you to keep a portion of the benefit without paying future premiums. ### Life Settlements vs. Viatical Settlements Both involve selling a life insurance policy, but the key difference lies in the health of the insured. A [viatical settlement](/viaticals/) is specifically for policyholders who are chronically or terminally ill, often with a life expectancy of less than two years. | Life Settlement | Viatical Settlement | |---|---| | Insured is typically a senior in their late 70s. | Insured has a chronic or terminal illness. | | Proceeds are usually 10%–80% of the death benefit. | Proceeds typically range from 50%–80% of the death benefit. | | Funds are generally taxable, unless IRS exemptions apply. | Proceeds may be tax-free if specific IRS criteria are met. | ### A Brief History In 1911, the U.S. Supreme Court ruled in Grigsby v. Russell that life insurance is [personal property](https://supreme.justia.com/cases/federal/us/222/149/), establishing your legal right to sell your policy. Since then, the industry has evolved into a well-regulated market with licensing requirements [per state](/licensure/). [Timeline of Life Settlements](/timeline-of-life-settlements/) ### By Definition A life settlement is the sale of an existing life insurance policy to a licensed buyer for **more than its cash surrender value**, but less than its death benefit. The policy owner transfers ownership rights and receives a lump-sum cash payment with no restrictions on how it's spent. **6–8×**more than cash surrender value **$200B**forfeited to insurers each year Key Terms #### Term Life Temporary coverage for a set period. Premiums may remain level or increase annually. #### Whole Life (WL) Permanent insurance with fixed premiums and guaranteed cash value accumulation. #### Universal Life (UL) Permanent insurance with flexible premiums, but the annual cost of insurance (COI) increases over time. #### Death Benefit / Face Value The amount beneficiaries receive upon the insured's death. #### Cash Surrender Value What the insurance company pays if you cancel the policy, which is always less than a life settlement offer. Real Clients, Real Results ## Case Studies Abacus has helped clients receive an average of **6–8 times** the policy's surrender value. Here are two real examples. Client Story William, 84 — Wayne, NJ $5,000,000 Policy  \|  Abacus Offer: $1,200,000 William and his family decided their policy was no longer needed for their estate plan and considered surrendering it to the insurance company for a low payback. His daughter Amy explored a better option: selling the policy to Abacus. With his age and medical history, Abacus provided a payout **double** the cash surrender amount the insurer was offering, returning $1.2 million to his family. [Read William's Story →](/meet-william/) Client Story Sandra, 79 — Bakersfield, CA $200,000 Policy  \|  Abacus Offer: $110,000 Sandra was struggling under the weight of high monthly premiums of more than $2,200 a month and considered letting her policy lapse. Through Abacus's hybrid option, she received **$110,000** for medical care and family needs, while Abacus quickly paid her premiums to keep the policy current so her beneficiaries still receive their benefits. [Read Sandra's Story →](/meet-sandra/) [View All Case Studies](/case-studies/) ### Get One Step Closer to Learning the Value of Your Policy Today! Use our Life Settlement Calculator for a free consultation with no obligation to sell. [Life Settlement Calculator](/qualify-a-life-settlement/) Eligibility ## Can I Sell My Life Insurance Policy? Yes. Your life insurance policy is your property, which entitles you to sell it if you choose to do so. The average payout is **6–8 times** the policy's cash surrender value. To qualify, you'll generally need to meet these minimum factors. Each case is unique and these are guidelines, not hard rules: - A policy with **$100,000 or more** in death benefit - Insured is generally over **age 70** - A decline in health since the policy was issued **may** improve your offer, but is not required If the insured has a terminal illness, a [viatical settlement](/viaticals/) may be the right option. Use the [Settlement Calculator](/qualify-a-life-settlement/) or call us at [800-561-4148](tel:8005614148) to discuss your options. ### What Policy Types Qualify? **Almost all** types of life insurance policies qualify, including universal life, whole life, term life, convertible term, group life, and survivorship policies. Permanent policies like universal and whole life are generally the easiest to qualify, but all policy types will be considered. ### Can I Sell Only a Portion of My Policy? Yes. With the [retained death benefit](/retained-death-benefit-rdb/) option, you keep a guaranteed percentage of the death benefit while eliminating all future premium payments. This is a great option for those who want to free up cash but still leave something for their beneficiaries. ### Quick Qualification Guide **$100,000+** in death benefit Generally age **70 or older**, though younger policyholders with health impairments may qualify **Most policy types** qualify: universal, whole, term, convertible term, group life, and more Terminal illness? A [viatical settlement](/viaticals/) may be the better fit. [Check My Eligibility](/qualify-a-life-settlement/) Common Reasons ## Why Do People Sell Their Life Insurance? With healthcare, long-term care, and living costs on the rise, retirees often find themselves needing more financial flexibility. Here are the most common reasons people pursue a life settlement. #### Can No Longer Afford Premiums Shifts in the insurance market, underperformance, or unexpected expenses like medical bills or assisted living fees can make premium payments unsustainable. A life settlement eliminates all future premium obligations. #### Funds Needed for Medical Care Selling your policy to recoup built equity is a viable option for funding significant expenses, including cancer treatments, assisted living, medical costs, and premiums on another existing policy. #### Re-Invest for a Better Opportunity Whether it's investing in a business, paying off debt, purchasing an income-generating annuity, or taking advantage of another opportunity. A life settlement puts your equity to work for you now. #### Life Circumstances Have Changed Divorce, retirement, estate planning changes, or beneficiaries who no longer need the policy benefits are all common reasons to reconsider a life insurance policy you've been holding onto. #### Supplement Retirement Income A comfortable retirement can cost anywhere from $858,000 to $1.5 million. Life settlement proceeds can be used [any way you choose](/top-7-ways-to-spend-your-life-settlement-money/): travel, a new home, or simply adding to your savings. #### Afford Long-Term Care Long-term care and assisted living costs continue to rise. A settlement can provide the financial assistance you need to live comfortably, without depleting other savings or burdening family members. ### Free Consultation with No Obligation to Sell You will receive an initial offer within 24–48 hours of contacting us, assuming you qualify. [Life Settlement Calculator](/qualify-a-life-settlement/) Your Options ## How Many Different Life Settlement Options Are There? There are three options to consider: **traditional, retained benefit, and hybrid**. The right one depends on your financial goals and what matters most for your family. Option 01 ### Traditional Sell your entire policy for a lump-sum cash payment above the surrender value. You have no further obligations; all future premiums are paid by the buyer. - Cash Lump Sum - No Future Payments [Traditional Success Story →](/traditional/) Option 02 ### Retained Benefit Stop paying premiums and retain a guaranteed percentage of your death benefit. Your beneficiaries still receive their portion when the policy ends, without you paying another dollar. - Guaranteed Percentage - No Future Payments [RDB Success Story →](/retained-death-benefit-rdb/) Option 03 ### Hybrid Sell a portion of your policy for cash now, while your beneficiaries retain a guaranteed percentage of the benefit. No more premium payments required. - Cash Lump Sum - Guaranteed Percentage - No Future Payments [Hybrid Success Story →](/hybrid/) Policy Valuation ## How Much Will You Get for Selling Your Policy? Since each case is unique, there isn't one universal answer. However, you can generally expect to receive about **20%–25%** of your policy's face value as a cash payout. A $200,000 policy, for example, might return **$40,000–$50,000**. Use the [Abacus Life Settlement Calculator](/qualify-a-life-settlement/) for a free, instant, no-obligation estimate. Here's how the key factors influence your offer: #### Life Expectancy Our underwriting team evaluates health history, age, and lifestyle to estimate life expectancy, which is the primary driver of your offer. #### Age of the Insured Older insureds typically receive higher payouts, as there are fewer projected premium payments ahead. #### Health of the Insured Current health conditions affect life expectancy calculations. Any changes in health since the policy was issued can meaningfully impact the offer. #### Premium Schedule Higher ongoing premiums reduce the offer amount. The more a buyer must pay going forward, the less they can pay upfront. #### Policy Type Permanent policies like universal and whole life are most common. Term policies can qualify, especially with a chronic or terminal health condition. #### Policy Size Larger policies yield larger payouts. A $1M policy at 30% of face value returns $300,000, versus $30,000 for a $100K policy at the same rate. ### Waiting Periods by State Depending on your state, you may need to have owned your policy for a minimum period before selling. Most states require a **2-year** waiting period, while 11 states require 5 years and Minnesota requires 4 years. ### Policy Size Matters The payout is typically calculated as a percentage of your policy's face value. A $1,000,000 policy and a $100,000 policy both estimated at 30% would return **$300,000** vs. **$30,000**, a significant difference. [Get My Free Estimate](/qualify-a-life-settlement/) Step by Step ## How To Sell Your Life Insurance Policy As a direct buyer, Abacus has streamlined the process to move quickly and cut out the middleman so we can pay you more. Here are the 8 steps. 1 #### Deciding to Sell The policyholder and their beneficiaries consciously pursue the option, consulting a financial advisor or the Abacus team to ensure it's the most beneficial choice. There is no cost or obligation at any time. 2 #### Determining Eligibility An in-house medical underwriter reviews the insured's medical records to calculate life expectancy and determine policy value, at no cost to you. 3 #### The Offer Abacus extends a formal offer for more than the cash surrender value but less than the net death benefit. We must be licensed in the state where the policy owner resides. 4 #### Acceptance If the offer is acceptable, the policy seller accepts and requests the required documents for review. You are never obligated to proceed. 5 #### Contracts State-approved contracting documents are generated, recording the transaction and spelling out the full agreement. Both parties sign and notarize. 6 #### Verification A third-party verification agent (often a law firm) confirms all contracts are completed correctly, the policy is in good standing, and purchase funds are held in escrow. 7 #### Change of Ownership We submit a request to transfer ownership with the insurance carrier, transferring ownership from the policyholder to Abacus or its named financing entity. 8 #### Funds Transfer Once the carrier confirms the ownership change, the escrow agent releases funds to you. The new owner assumes all future premiums. The transaction is complete. ### How Long Does It Take? Our goal is to complete the life settlement process within **30 days**. The timeline can vary depending on how quickly the insured, insurance company, medical records offices, and bank all respond. Rest assured, Abacus works diligently to move your settlement forward as fast as possible. [Start the Process Today](/qualify-a-life-settlement/) ### How Can You Use the Cash? There are **no restrictions** on how you spend your life settlement proceeds. Common uses include: 🏥  Healthcare & Medical Bills 🏠  Housing & Long-Term Care ✈️  Travel & Retirement Lifestyle 📈  Investments or Paying Off Debt ### Get One Step Closer to Learning the Value of Your Policy Today! Use our Life Settlement Calculator for a free consultation with no obligation to sell. [Life Settlement Calculator](/qualify-a-life-settlement/) Regulation ## Life Settlement Regulations Life settlements are legal and have become a **well-regulated industry**. The market is governed on a state-by-state basis, with most states requiring specific licensing and strict oversight to ensure customer safety. According to [LISA](https://www.lisa.org/map_of_regulatory_law), 30 states have a mandated 2-year waiting period before selling a policy, 11 states require 5 years, and Minnesota requires 4 years. Regulations vary; refer to your state's insurance department for specifics. Abacus Life is a licensed life settlement provider in all states excluding Alaska. ### What If I Change My Mind? Most states offer a **rescission period** of 1–2 weeks after a settlement is completed. During this window, you can return the payout in full and reclaim ownership of your policy. Once the period expires, the transaction is final. Always read the purchase agreement carefully and consult your advisor. [View Abacus Licensure by State](/licensure/) ### Is Selling My Policy Safe? Pursuing a life settlement is a delicate process, and it's vital that you work with a reputable, certified company. Abacus ensures your personal information stays private. Details shared during the process remain only within Abacus. We provide full transparency on how we generated your offer so you can feel confident in every step. Abacus is **HIPAA Certified**, fully licensed nationally, and holds an **A+ BBB rating**. Taxation ## Life Settlement Taxation Life settlement proceeds are taxed in three tiers, calculated by subtracting the total premiums you've paid (your tax basis) from the settlement amount. #### 1. Tax-Free Any proceeds up to your tax basis are **free of income tax**. #### 2. Ordinary Income Tax Proceeds above the tax basis but below the cash surrender value are taxed at **ordinary income rates**. #### 3. Capital Gains Tax Proceeds exceeding the cash surrender value are taxed as a **capital gain**. Death benefit proceeds paid to beneficiaries upon the insured's death are generally **not included in gross income**. Any interest earned, however, is taxable. For full details, visit the [IRS](https://www.irs.gov/faqs/interest-dividends-other-types-of-income/life-insurance-disability-insurance-proceeds) or consult a CPA. Quick Reference ### Tax Summary at a Glance Up to Tax Basis Tax-free Basis to Cash Value Ordinary income tax Above Cash Value Capital gains tax ✦  Viatical Settlements May be entirely tax-free when specific IRS criteria are met. Always consult a CPA or tax advisor for your specific situation. Getting Started ## How Do I Get Started? Start with the [Abacus Life Settlement Calculator](/qualify-a-life-settlement/) for a free, no-obligation estimate. We'll provide an initial offer within **24–48 hours** of contacting us, assuming you qualify. Abacus Life Settlements is a fully licensed, client-first company. With over **$10 billion** in policy face value purchased, our offers average around ***6–8 times*** the surrender value of a standard policy, and we're committed to empowering every policy owner to make a fully informed decision. [Start Today](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) ### The Abacus Promise Get one step closer to learning the value of your policy today. ✓Full transparency in how we generate your offer ✓HIPAA-certified — your records stay private ✓A+ Better Business Bureau rating ✓Licensed in all states excluding Alaska ✓Free, no-obligation estimate within 24–48 hours ✓NYSE: ABX — publicly traded for full accountability [One-Step Qualifier](/qualify-a-life-settlement/) ## Create Financial Options for Your Future! Learn about your life insurance settlement options today. [Life Settlement Calculator](/qualify-a-life-settlement/) [Learning Center](/learning-center/) Related Links ## Continue Your Research [ Resources### Learning Center All the resources you need to make an informed decision about your life insurance policy. Explore Articles → ](/learning-center/) [ Our Story### About Abacus Learn more about who we are and why we've led the life settlement industry for over 20 years. Meet Our Team → ](/about-us/) [ Get in Touch### Contact Us Speak directly with an Abacus life settlement specialist at 800-561-4148. No obligation. Talk to an Expert → ](/contact/) --- ### [Life Insurance Settlement Options | Abacus Life](https://abacuslifesettlements.com/life-insurance-options/) **Published:** April 22, 2021 **Author:** Admin **Content:** Life Insurance Options \| Abacus Life Settlements Abacus Life Learning Center Settlement Options Guide: # Life Insurance Options *Explained* Life insurance transactions can come in different forms. Usually, the seller of a policy determines which type of life settlement is the best solution for their circumstances. Each case is unique, and we will work with you to find the best option for your situation. [Free Policy Estimate](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) Your Choices ## Understanding Your Life Settlement Options Not all states or cases will necessarily allow for any particular type of settlement transaction. Understanding the differences between your options is the first step toward making the decision that is right for you and your family. There are **three primary life settlement options** to consider: Traditional, Retained Death Benefit (RDB), and Hybrid. Each offers a different balance between cash received today and the death benefit passed on to your beneficiaries tomorrow. As a direct buyer, Abacus Life works with each client on an individual basis to provide options based on their unique situation. There is no obligation to accept any offer at any time. ### Which Option Is Right for You? The right choice depends on your immediate financial needs, your desire to leave a legacy for beneficiaries, and whether you still have a need for life insurance coverage. Our specialists are available at [800-561-4148](tel:8005614148) to walk through your situation with you. ### Three Options at a Glance Traditional Sell your entire policy for a cash lump sum. No further premium obligations. Retained Death Benefit No cash now, but your beneficiaries keep a guaranteed portion of the death benefit. Hybrid A cash payment now plus a guaranteed portion of the death benefit for your beneficiaries. Key Terms #### Death Benefit / Face Value The full amount beneficiaries receive upon the insured's death. This is the ceiling of any settlement offer. #### Cash Surrender Value What the insurer pays if you cancel your policy — always less than a life settlement offer. #### Premium Payments The ongoing cost to maintain the policy. With any settlement, the buyer assumes all future premiums. Option 01  ·  Most Common ### Traditional Life Settlement Sell your full life insurance policy for a cash amount above the surrender value but below the death benefit. The most common life settlement option and usually what comes to mind first. A traditional life insurance policy provides the policyholder with a guaranteed amount to pass on to their beneficiaries, regardless of how long they live, provided the contract is maintained throughout its entirety. Most policies also offer a withdrawal clause, which allows the contract holder to cancel their coverage and receive a cash surrender value. In the case of a traditional settlement, a licensed provider (the buyer) will pay the policy owner a **cash amount above the surrender value, but below the death benefit**. The premiums will then be paid by the buyer or its financing entities for the remainder of the insured's life. This entity will receive the face value of the policy upon the death of the insured. The seller received all possible benefits from the policy during their lifetime and will receive nothing at the time of the insured's death. There are **no restrictions on how the proceeds are used**. - Cash lump sum paid to the policy seller - All future premium payments assumed by the buyer - No further obligations or claims on the policy - No restrictions on use of proceeds [Get My Estimate](/qualify-a-life-settlement/) [Traditional Success Story →](/traditional/) Traditional Case Study Robert, age 82 Abacus Offer: $275,000 in Cash > "I was deeply in debt and my life insurance payments were becoming a financial burden. I read about viatical settlements and did my research. I checked with numerous companies about a multitude of different ways of selling my life insurance plan. Abacus Life was by far the best deal for me. Not only were they able to come in several weeks after the process started with other companies and still generate an offer faster than anyone else, they even advanced a part of my settlement." Robert and his wife took a dream national park trip with their advance and were able to purchase a cabin and catch up on all of their debts and medical bills. Option 02  ·  Keep Your Beneficiaries Protected ### Retained Death Benefit (RDB) Eliminate premium payments while keeping a guaranteed percentage of the death benefit for your beneficiaries. No cash payment now, but your loved ones are still protected. A **Retained Death Benefit (RDB)** is a life settlement option that allows the policy owner (seller) to retain a portion of their life insurance policy's death benefit, in lieu of receiving a cash-only lump sum settlement. When an RDB offer is accepted, the buyer takes over **100% of premium payments**. No further obligations or payments are to be made by the seller. A death benefit is a payout to the beneficiary of a life insurance policy when the insured or annuitant dies. For life insurance policies, death benefits are not subject to income tax, and named beneficiaries ordinarily receive the death benefit as a lump-sum payment. The policyholder can structure how the insurer pays the death benefits. In the circumstance where the insured individual dies, the beneficiary receives their guaranteed percentage portion of the death benefit payout while the fund receives the death benefit for the portion of the policy they purchased from the policyholder. - Beneficiaries retain a guaranteed percentage of the death benefit - Buyer assumes 100% of future premium payments - No further obligations or payments required from the seller - Death benefit paid to beneficiaries tax-free upon the insured's passing [Get My Estimate](/qualify-a-life-settlement/) [RDB Success Story →](/retained-death-benefit-rdb/) Retained Death Benefit Case Study Terri, Age 64 $10,000,000 Policy  \|  $3,000,000 in Retained Benefit > "I would recommend Abacus to anyone who is coping with a life-changing event like cancer and needs to make tough financial decisions to improve their quality of life. They treated me like a real person and I truly felt Abacus had my best interests in mind." Terri was suddenly faced with stage IV cancer. Shortly after, her husband lost his job after three decades of service. They needed financial options to face these devastating life changes — and they needed them quickly. Option 03  ·  Best of Both Worlds ### Hybrid Life Settlement Receive a cash payment now and retain a guaranteed percentage of the death benefit for your beneficiaries — combining the advantages of both the Traditional and Retained Death Benefit options. For the hybrid option, the policy seller can receive a combination of traditional life settlement proceeds and retained death benefits. With this option, you receive a **cash payment now**, your beneficiary receives a **guaranteed percentage of the benefit** when the policy ends, and you have no further obligation to pay future premiums. This is considered the most flexible option and is ideal for policyholders who have an immediate financial need but also want to preserve some legacy for their loved ones. The specific percentages — how much you receive in cash versus how much the beneficiary retains — are negotiated on a case-by-case basis. As with all life settlement options, the buyer assumes all future premium payments at the time of settlement. - Cash lump sum paid to the policy seller at settlement - Beneficiaries retain a guaranteed portion of the death benefit - Buyer assumes all future premium payments - No further obligations or payments required from the seller [Get My Estimate](/qualify-a-life-settlement/) [Hybrid Success Story →](/hybrid/) How the Hybrid Works The Best of Both Worlds The hybrid option lets you **negotiate the split** between immediate cash and your beneficiary's guaranteed death benefit. Both are secured at settlement — with no future premium obligations. You Receive Cash paid at settlement Cash Now + plus + Beneficiaries Receive Guaranteed % of death benefit Legacy Exact percentages are determined case-by-case based on your policy, age, health, and financial goals. [Call us](tel:8005614148) to discuss what split is realistic for your situation. ### Not Sure Which Option Is Right for You? Use our Life Settlement Calculator for a free consultation with no obligation to sell. [Life Settlement Calculator](/qualify-a-life-settlement/) Side by Side ## Comparing Your Three Options Use this table to understand which option best aligns with your financial goals and legacy wishes. | Feature | Traditional | Retained Death Benefit | Hybrid | |---|---|---|---| | Cash payment to seller | ✔ Yes — lump sum | ✘ None | ✔ Yes — partial lump sum | | Beneficiary retains death benefit | ✘ No | ✔ Yes — guaranteed % | ✔ Yes — guaranteed % | | Future premium payments | ✔ Buyer assumes all | ✔ Buyer assumes all | ✔ Buyer assumes all | | Further seller obligations | ✔ None | ✔ None | ✔ None | | Best suited for | Policyholders who need maximum cash now and no longer need to provide a death benefit to beneficiaries. | Policyholders who primarily want to eliminate premium payments while preserving a legacy for beneficiaries. | Policyholders who have an immediate financial need but also want to leave something for their loved ones. | | Payout relative to death benefit | 50–80% of face value in cash | Varies — guaranteed % retained | Combination of cash + retained % | [Find Out Which Option Is Best for Me](/qualify-a-life-settlement/) Qualifying Policies ## What Types of Policies Qualify? Almost all types of life insurance policies may qualify for a life settlement. The specific eligibility depends on the policy type, face value, premiums, and the insured's age and health. #### Universal Life Insurance Flexible premium permanent life insurance. One of the most common policies eligible for a life settlement. #### Whole Life Insurance Permanent coverage with a savings component. Policies with accumulated cash value often qualify for competitive offers. #### Term Life Insurance Time-limited coverage that is often surrendered for little or no value. A life settlement can unlock significant value — especially for viatical cases. #### Convertible Term Policies Term policies that can be converted to permanent coverage. These may qualify even when a standard term policy would not. #### Group Life Insurance Employer-sponsored group policies may qualify under certain circumstances. Contact Abacus to discuss eligibility. #### Survivorship Policies Joint policies that insure two lives. These can qualify for a settlement, though the process may be more complex. General Eligibility Guideline Most policies with a face value of **$100,000 or more** qualify. The insured is typically **70 years or older**, though those with a terminal diagnosis may qualify at any age. [Check My Eligibility](/qualify-a-life-settlement/) Getting Started ## Ready to Explore Your Options? To get started, fill out our free and instant [Life Settlement Calculator](/qualify-a-life-settlement/). Abacus will supply you with an initial, no-obligation offer within **24-48 hours** of contacting us, assuming you qualify. Each case is specific, and there is no one-size-fits-all answer. Our team handles each case individually and with the utmost confidentiality and sensitivity. We are a direct buyer — meaning we cut out the middleman and pass more value back to you. Abacus has paid over **$1.2 billion to policyholders** since 2017. If you are unsure which option is right for you, our licensed specialists are available at [800-561-4148](tel:8005614148). We would love to discuss all of your options. [Start Today](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) ### The Abacus Promise We work with each client individually to find the option that best fits their unique situation. - Initial offer within 24-48 hours - HIPAA-certified privacy - A+ Better Business Bureau - No obligation to sell, ever - Licensed in all states except Alaska - NYSE: ABX, publicly traded [One-Step Qualifier](/qualify-a-life-settlement/) ## Create Financial Options for Your Future! Learn about your life settlement options today with no obligation to sell. [Life Settlement Calculator](/qualify-a-life-settlement/) [Full Settlement Guide](/learn-how-life-settlements-work/) Related Links ## Continue Your Research [ Full Guide### Life Settlement Guide Learn everything about life settlements — how they work, what you can receive, and how to get started with Abacus. Read the Guide → ](/learn-how-life-settlements-work/) [ Terminal Illness### Viatical Settlement Guide If you or a loved one has been diagnosed with a terminal illness, a viatical settlement may provide tax-free financial relief. Read the Guide → ](https://abacuslifesettlements.com/viaticals/) [ Get in Touch### Contact Us Speak directly with an Abacus specialist at 800-561-4148. Receive a no-obligation offer within 24-48 hours. Talk to an Expert → ](/contact/) --- ### [Viatical Settlement Guide | Abacus Life Settlements](https://abacuslifesettlements.com/viaticals/) **Published:** October 23, 2025 **Author:** Andrew Brown **Content:** Viatical Settlement Guide \| Abacus Life Settlements![](https://abacuslifesettlements.com/wp-content/uploads/2026/05/Abacus-Life-New-Website-Photos-24.png) Abacus Life Learning Center Viatical Settlement Guide: # Financial Relief for *Terminal Illness* At Abacus Life, our goal is to become your trusted source for information about viatical settlements. By providing you with up-to-date knowledge, we hope to help you understand whether this option is right for you. [Free Viatical Estimate](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) Jump To ### Table of Contents - [1Definition](#definition) - [2Case Studies](#cases) - [3Eligibility](#eligibility) - [4When to Pursue](#should-i-sell) - [5Options](#options) - [6Policy Valuation](#valuation) - [7The Process](#process) - [8Taxation](#taxation) - [9Regulation](#regulation) - [10Financial Resources](#resources) - [11Getting Started](#started) The Foundation ## What is a Viatical Settlement? A **viatical settlement** is a specific type of life settlement designed for individuals diagnosed with a terminal illness. This legal option allows policyholders to sell their life insurance policy for a cash amount higher than the surrender value but less than the full death benefit. In exchange for transferring ownership, the insured receives a lump-sum payment, often up to **6–8 times** the policy's cash surrender value. If the insured meets certain criteria confirmed by a medical professional, the IRS may consider the transaction tax-free. Unlike a loan, a viatical settlement is a one-time transaction. The seller gives up all rights to the policy in return for a cash payout, which can be used entirely at their discretion. In some cases, the settlement may also take the form of a paid-up death benefit. ### How Is This Different from a Life Settlement? Selling your life insurance policy to pay for medical needs is specifically for individuals suffering from a terminal illness. It is essentially the same as a standard life settlement at its core — the significant caveat is that the insured is typically suffering from a terminal illness and has a life expectancy of fewer than two years. | Viatical Settlement | Standard Life Settlement | |---|---| | Insured is terminally or chronically ill. | Insured is typically a senior in their late 70s. | | Proceeds typically range from 50%–80% of the death benefit. | Proceeds are usually around 10%–80% of the death benefit, depending on life expectancy. | | IRS may allow proceeds to be tax-free when specific criteria are met. | Funds are generally subject to taxation unless they meet IRS guidelines. | ### At a Glance A viatical settlement lets terminally ill policyholders **sell their life insurance now** for immediate cash, typically far more than surrender value. When IRS criteria are met, the proceeds may be entirely **tax-free**. **50–80%**of death benefit, typical payout range **24–48 hrs**initial offer from Abacus Key Terms #### Terminally Ill A life-threatening illness such as cancer or ALS with a life expectancy of fewer than two years, as confirmed by a medical professional. #### Chronically Ill A long-term or permanent illness that limits daily activities, which may also qualify a policyholder for a viatical or accelerated benefit. #### Death Benefit / Face Value The full amount beneficiaries would receive upon the insured's death; the ceiling of any settlement offer. #### Cash Surrender Value What the insurer pays if you cancel. A viatical settlement offer is always significantly higher. Real Clients, Real Results ## Case Studies These are real Abacus clients who used a viatical settlement to fund medical care and improve their quality of life. Viatical Case Study Sam, 75 — Boca Raton, FL $150,000 Policy  \|  Abacus Offer: $90,000 Sam was recently diagnosed with stage 4 rectal cancer and needed funds immediately to assist with treatment. He had a term policy with a face value of $150,000 and was planning to surrender it so he could put those monthly payments toward his treatment. Instead, he discovered life settlements and reached out to Abacus. After reviewing his case, Abacus offered him **$90,000**, which helped him pay for the treatment plan he wanted to pursue. Viatical Case Study Alyssa, 79 — Houston, TX $600,000 Policy  \|  Abacus Offer: $390,000 Alyssa had a $600,000 permanent policy and was prepared to surrender the policy for a cash value of just **$2,500** from the life insurance carrier. She was able to receive **$390,000** for the policy through Abacus, and she was able to use those proceeds to cover her medical costs — an outcome that would have been impossible had she accepted the carrier's offer. [View All Case Studies](/case-studies/) ### Get One Step Closer to Learning the Value of Your Policy Today! Use our Life Settlement Calculator for a free consultation with no obligation to sell. [Life Settlement Calculator](/qualify-a-life-settlement/) Eligibility ## Can I Qualify for a Viatical Settlement? To be eligible for a viatical settlement, the policyholder must be **terminally ill or chronically ill** with a life expectancy of fewer than two years. The diagnosis must be confirmed by a medical professional, usually a physician. Most types of policy types qualify for a viatical, **including term life insurance**. The average payout of a life insurance sale is 4–6 times the policy's cash surrender value. At Abacus Life, we pay a policyholder an average of **6–8 times** the cash surrender value of their life insurance policy. Being a direct buyer, Abacus has created a streamlined process to make selling your policy fast while cutting out the middle man so we can pay you more. ### What Policy Types Qualify? Almost all types of life insurance policies qualify for a viatical settlement, including universal life, whole life, term life, convertible term, group life, and survivorship policies. Because the insured has a terminal diagnosis, even term policies that would not otherwise qualify for a life settlement can often be sold. [Check My Eligibility](/qualify-a-life-settlement/) ### Quick Eligibility Guide **Terminal or chronic illness** confirmed by a medical professional Life expectancy of **fewer than 2 years** **$100,000+** in death benefit (general guideline) **Most policy types** qualify, including term life Payout typically **50%–80%** of the death benefit Common Reasons ## When Is the Right Time to Pursue a Viatical Settlement? For many individuals facing a terminal illness, a viatical settlement can be a strong financial solution. You may be able to cover all or part of the costs involved in your medical care, including travel, stay, and your actual treatment costs. #### Can No Longer Afford Premium Payments Depending on your policy terms, changes in the insurance market or poor policy performance could increase your premium payments. Unexpected financial challenges — such as rising medical bills, legal expenses, assisted living costs, or tax obligations — may further strain your budget. A viatical settlement eliminates all future premium payments. #### Funds Needed for Medical Care Coping with a medical crisis while worrying about bills works against palliative care and hospice goals. Viatical settlements can provide an inflow of funds to pay off bills or fund experimental and alternative treatments that may not be covered under insurance. #### Improve Your Quality of Life Patients and their families can receive funds to pay for care or quality of life experiences. Many clients use their funds to tackle their "bucket lists." Many insured individuals also want to see their family enjoy their life insurance money now, rather than not being present to share in their happiness. #### Eliminate Financial Burden on Your Family A terminal diagnosis is already an overwhelming burden. A viatical settlement allows you and your family to focus on what matters most. It provides immediate financial relief — without waiting years for a death benefit to be paid out. **An important note from Abacus:** If you are struggling with medical bills, having difficulty keeping up with your premiums, or want immediate income, a viatical settlement could be right for you. However, we at Abacus advise that anyone considering a settlement take a close look at their life insurance and financial situation to make sure they make the correct choice for themselves and their family. If you do not have an immediate need for a lump sum of cash, we suggest taking time to consider all of your options — realistically, the greatest payout you can ever receive is the full death benefit. ### Free Consultation with No Obligation to Sell You will receive an initial offer within 24–48 hours of contacting us, assuming you qualify. [Life Settlement Calculator](/qualify-a-life-settlement/) Your Options ## How Many Different Options Are There? There are three options to consider: **Traditional, Retained Benefit, and Hybrid**. The right one depends on your financial goals and what matters most for your family. Option 01 ### Traditional Sell your full life insurance policy for a cash amount above the policy's surrender value. You have no further obligations or claims to the policy, with all future premiums paid by the buyer. - Cash Lump Sum - No Future Payments [Traditional Success Story →](/traditional/) Option 02 ### Retained Benefit You no longer pay any premiums and retain a guaranteed portion of your death benefit. When the policy ends, beneficiaries will receive a guaranteed percentage — with no further obligations or payments required from you. - Guaranteed Percentage - No Future Payments [RDB Success Story →](/retained-death-benefit-rdb/) Option 03 ### Hybrid Sell a portion of your life insurance policy for cash now. Your beneficiary receives a guaranteed percentage of the benefit when the policy ends, and you have no further obligation to pay future premiums. - Cash Lump Sum - Guaranteed Percentage - No Future Payments [Hybrid Success Story →](/hybrid/) Policy Valuation ## How Much Is My Policy Worth? Each case is specific, and there is no one-size-fits-all answer. We handle each case individually and with the utmost confidentiality and sensitivity. Understanding your options will require knowledge of personal details, including: - **Policy Type** — universal life, whole life, term, group, etc. - **Policy Face Value** — the death benefit / coverage amount - **Age of the Insured** - **Health Status** — diagnosis, life expectancy, current condition To see exactly how much your policy is worth, we recommend getting an estimate now using our calculator or contacting us at [800-561-4148](tel:8005614148) to learn more. ### Key Valuation Factors #### Life Expectancy Our in-house medical underwriter calculates life expectancy using medical records at no cost to you. #### Diagnosis Severity A terminal diagnosis with a shorter life expectancy typically increases the payout percentage relative to the death benefit. #### Premium Schedule Higher ongoing premiums reduce the offer. The more a buyer must pay going forward, the less they can pay upfront. #### Policy Size Larger policies yield larger payouts. Viatical settlement payouts typically range from 50%–80% of face value. [Settlement Calculator](/qualify-a-life-settlement/) ### Viatical vs. Surrender Alyssa's case illustrates the difference clearly: Insurance Company Offer $2,500 Abacus Viatical Offer $390,000 On a $600,000 policy, that's **156× more** than the surrender value. Step by Step ## The Viatical Settlement Process As a direct buyer, Abacus has streamlined the process to move quickly and cut out the middleman. We don't believe you should wait 45–60 days for life-saving treatment. 1 #### Deciding to Sell Before deciding to sell, the policyholder and their beneficiaries consciously pursue this option. That means contacting your financial advisor or the Abacus team and looking into all alternatives to ensure it is the most beneficial solution. There is no cost or obligation to accept an offer at any time. 2 #### Determining Eligibility Certain specifics determine qualification, such as premiums, the life expectancy of the insured, and the death benefit. An in-house medical underwriter calculates life expectancy using medical records and determines how much the policy is worth — at no cost to the insured. 3 #### The Offer Abacus extends an offer to the insured for more than the cash surrender value but less than the net death benefit. Abacus must be licensed in the state in which the policy owner resides. 4 #### Acceptance If the amount offered is acceptable, the policy seller accepts and requests the required documents for review. You are never obligated to proceed. 5 #### Contracts State-approved contracting documents are generated, recording the transaction and spelling out the full agreement between the seller and purchaser. Both parties must sign and notarize the contracts. 6 #### Verification A third-party verification agent (often a law firm) confirms all contracts are completed correctly, the policy is in good standing, and purchase funds are held in an escrow account for the policy seller. 7 #### Change of Ownership We submit a request to transfer ownership to the insurance carrier, changing the owner from the current policyholder to Abacus or its named financing entity. 8 #### Funds Transfer After the carrier confirms the new ownership, the escrow agent releases funds to the seller. The new owner assumes all future premiums. The transaction is complete. The insured is free to use the money at their discretion. ### How Long Does It Take? Our goal is to complete the viatical settlement process as quickly as possible. We do not believe you should have to wait the industry standard 45–60 days when facing a terminal illness. Abacus will supply you with an **initial offer within 24–48 hours** of contacting us, assuming you qualify. [Start Today](/qualify-a-life-settlement/) ### No Restrictions on Use of Funds There are **no restrictions** on how you use your viatical settlement proceeds. Common uses include: 🏥  Medical treatment & clinical trials 🏠  Assisted living & in-home care ✈️  Travel & bucket list experiences 💛  Gifts to family while you're still present Taxation ## Are Viatical Settlements Taxable? The transaction **may be tax-free** by the IRS, as long as the insured meets certain criteria. A medical professional, usually a doctor, confirms the terminal diagnosis — this is one of the key requirements for tax-exempt treatment under IRS guidelines. This is one of the most significant advantages viatical settlements have over standard life settlements, where proceeds are typically subject to ordinary income and capital gains tax. For more information on how life insurance proceeds are taxed, visit the [IRS](https://www.irs.gov/faqs/interest-dividends-other-types-of-income/life-insurance-disability-insurance-proceeds) or consult a licensed CPA who can review your specific situation. ### Life Settlement Taxation vs. Viatical Taxation Life Settlement Up to tax basis Tax-Free Basis to cash value Ordinary Income Tax Above cash value Capital Gains Tax Viatical Settlement All proceeds May Be Tax-Free When the insured is certified as terminally ill by a physician and specific IRS criteria are met. Tax Advantage ### A Key Viatical Benefit Tax-Free Proceeds may be entirely exempt from federal income tax when the insured is certified as terminally ill by a physician. Tax treatment depends on individual circumstances. Always consult a CPA or the [IRS](https://www.irs.gov) for guidance specific to your situation. Regulation ## Viatical Settlement Regulations Over the past decade, the market has become incredibly well-regulated. The entire life settlement market is regulated on a **state-by-state basis** rather than nationally, placing responsibility on each state's government to ensure companies are behaving ethically. The majority of states require specific licensing and practice strict oversight to ensure customer safety. Here at Abacus Life, we are proud to share that we are **licensed for life and viatical settlements in all states excluding Alaska**. ### Your Rights as a Seller Most states offer a **rescission period** of 1–2 weeks after a settlement is completed. During this window, you can return the payout and reclaim ownership of your policy. Once the period expires, the transaction is final. Always read your purchase agreement carefully and consult your financial advisor. [View Abacus Licensure by State](/licensure/) ### Is a Viatical Settlement Safe? Pursuing a viatical settlement is a delicate process, and it's vital that you work with a reputable, licensed company. Abacus ensures your personal information stays private. Details shared during the process remain only within Abacus. We provide full transparency on how we generated your offer so you can feel confident in every step. Abacus is **HIPAA Certified**, fully licensed nationally, and holds an **A+ BBB rating**. External Support ## Additional Financial Resources A viatical settlement is one tool among many. Here are additional resources that may help you and your family navigate the financial challenges of a terminal illness. #### Patient Advocate Foundation: Co-Pay Relief Provides direct financial assistance to patients with chronic or life-threatening illnesses to help cover co-pays. [copays.org →](http://www.copays.org/) #### CareCredit A healthcare credit card designed to help patients manage out-of-pocket healthcare costs through flexible financing options. [carecredit.com →](https://www.carecredit.com/) #### Partnership for Prescription Assistance Helps qualifying patients access prescription drugs through patient assistance programs at low or no cost. [pparx.org →](http://www.pparx.org/) #### GoFundMe A crowdfunding platform that allows friends and family to contribute financially during a medical crisis or emergency. [gofundme.com →](https://www.gofundme.com/) #### PAN Foundation Provides underinsured Americans with assistance covering out-of-pocket costs for treatment of life-threatening, chronic, or rare diseases. [panfoundation.org →](http://www.panfoundation.org/) #### Triage Cancer A nonprofit that provides free education on legal and financial issues for cancer patients, survivors, and caregivers. [triagecancer.org →](https://triagecancer.org/) Getting Started ## How Do I Get Started? To get started, fill out our free and instant [Life Settlement Calculator](/qualify-a-life-settlement/). Abacus will supply you with an initial, no-obligation offer within **24–48 hours** of contacting us, assuming you qualify. Abacus Life Settlements is a licensed life settlement company that takes a **client-first approach**. We don't believe that you should wait the industry-standard 45–60 days when life-saving treatment may be needed now. A viatical settlement allows you to focus on what is most important right now. With over **$10 billion** in policy face value purchased and an average payout of **6–8 times** the cash surrender value, Abacus is the direct buyer committed to getting you the most for your policy — fast. [Start Today](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) ### The Abacus Promise Get one step closer to learning the value of your policy today. Initial offer within 24–48 hours HIPAA-certified privacy protection A+ Better Business Bureau rating Licensed in all states except Alaska No obligation to sell, ever NYSE: ABX, publicly traded [One-Step Qualifier](/qualify-a-life-settlement/) ## Create Financial Options for Your Future! Learn about your viatical and life settlement options today. [Life Settlement Calculator](/qualify-a-life-settlement/) [Life Settlement Guide](/learn-how-life-settlements-work/) Related Links ## Continue Your Research [ Full Guide### Life Settlement Guide Learn everything about life settlements, how they work, what you can receive, and how to get started. Read the Guide → ](/learn-how-life-settlements-work/) [ About Us### About Abacus Learn about Abacus Life — a publicly traded, A+ BBB-rated direct buyer helping policyholders get the most from their life insurance since 2004. Learn More → ](/about/) [ Get in Touch### Contact Us Speak directly with an Abacus specialist at 800-561-4148. Receive a no-obligation offer within 24–48 hours. Talk to an Expert → ](/contact/) --- ### [About Us | Meet the Abacus Team](https://abacuslifesettlements.com/about-us/) **Published:** October 8, 2020 **Author:** Admin **Content:** About Us \| Abacus Life Settlements NYSE: ABX  ·  Founded 2004 Who We Are: # About *Abacus Life* The only publicly traded life settlement company in the United States — helping thousands of clients maximize the value of their life insurance since 2004. [Free Life Settlement Estimate](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) $10B+ Face Value Purchased 150+ Team Members 30,000+ Financial Advisors 49 States Licensed Our Company ## A Leader in Life Insurance Options Abacus Life (ABX) is an alternative asset originator and manager that specializes in life insurance products. Since 2004, the company has purchased life insurance policies from consumers seeking liquidity and has actively managed those policies over time (via trading, holding, and/or servicing). With over $10BN in face value of policies purchased, we have helped thousands of clients maximize the value of life insurance. Listed on the New York Stock Exchange (NYSE) under the ticker symbol (ABX), Abacus Life is the only publicly traded life settlement company in the U.S. Over the past 21 years, the company has built an institutionalized origination and portfolio management process that is supported by a 150+ person team, long-term relationships with 78 institutional partners and 30,000 financial advisors, and the ability to operate in 49 states. The company has serviced approximately $950 million in policies and has managed assets for large asset managers and third-party investment funds. Abacus has underwritten and valued approximately $520 million of policies on behalf of third parties. Abacus' leadership team averages 20+ years of experience and has been innovators since the life settlements industry's inception in the mid-90s. ### Our Credentials & Memberships **NYSE: ABX** The only publicly traded life settlement company in the United States, listed on the New York Stock Exchange. **LISA Member** A proud member of the Life Insurance Settlements Association, committed to industry best practices. **HIPAA Compliant** Complies with HIPAA and privacy laws to maintain and protect the confidentiality of financial, health, and medical information. **BBB A+ Accredited** Proud to be a BBB Accredited Business with an A+ rating, reflecting our commitment to customer trust. Get In Touch ## Contact Us **Address** [333 S. Garland Ave, Suite 1500 Orlando, FL 32801](https://www.google.com/maps/search/333+S+Garland+Ave+Suite+1500+Orlando+FL+32801) **Email** <info@abacuslife.com> **Telephone** [800-561-4148](tel:8005614148) **Fax** 407-455-7765 The People Behind Abacus ## Meet Our Team Our leadership team averages 20+ years of experience and has been innovating in the life settlements industry since its inception in the mid-90s. - [Executive Management](#tab-executive-management) ![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/JacksonJ.png "Jay Jackson") #### Jay Jackson Chairman & CEO ![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/McNealyS.png "Sean McNealy") #### Sean McNealy Co-Founder & Advisor ![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/GanovskyM.png "Matthew Ganovsky") #### Matthew Ganovsky Co-Founder & Advisor ![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/KirbyS.png "Scott Kirby") #### Scott Kirby Co-Founder & Advisor ![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/McCauleyB.png "Bill McCauley") #### Bill McCauley Chief Operating Officer & Chief Financial Officer ![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/PlescoA.png "Elena Plesco") #### Elena Plesco Chief Investment Officer ![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/JeffSmith-1.png "Jeff Smith") #### Jeff Smith Chief Marketing Officer [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/Tim-Exec-1.png "Tim Leonard")](mailto:tim@abacuslife.com) #### [Tim Leonard](mailto:tim@abacuslife.com) Chief Information Security Officer ![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/MilneR.png "Ralph Milne") #### Ralph Milne Chief Compliance Officer ![](https://abacuslifesettlements.com/wp-content/uploads/2025/10/McGonnellS_Update-2.png "Shane McGonnell") #### Shane McGonnell Chief Revenue Officer ![](https://abacuslifesettlements.com/wp-content/uploads/2026/04/Image20260406112803-1.png "Alexei Solomon") #### Alexei Solomon Chief Accounting Officer and Treasurer ![](https://abacuslifesettlements.com/wp-content/uploads/2026/10/Jeffrey-Ting-Exec-Headshot.png "Jeffrey Ting") #### Jeffrey Ting Chief Actuary - LifeARC™ ![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/ButcherS.png "Samantha Butcher") #### Samantha Butcher President of Abacus Life Solutions [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/Armando-Exec.png "Armando Cabrera")](mailto:armando@abacuslife.com) #### [Armando Cabrera](mailto:armando@abacuslife.com) President of Abacus Intel ![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/PhillipsR.png "Rob Phillips") #### Rob Phillips SVP, Corporate & Government Affairs ![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/PellegrinoV.png "Vinnie Pellegrino") #### Vinnie Pellegrino Vice President of Abacus Intel ![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/XueF.png "Fei Xue, CAIA") #### Fei Xue, CAIA Vice President of Abacus Wealth Advisors [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/Cassie-Exec.png "Cassie Schaelling")](mailto:cassie@abacuslife.com) #### [Cassie Schaelling](mailto:cassie@abacuslife.com) Vice President of Operations [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/Anissa-Exec-1.png "Anissa Lindsay")](mailto:anissa@lmagrp.com) #### [Anissa Lindsay](mailto:anissa@lmagrp.com) Vice President of Strategic Operations & Integration [![](https://abacuslifesettlements.com/wp-content/uploads/2025/10/Layne-G-Exec-1.png "Layne Gierke, ASA")](mailto:layne@abacuslife.com) #### [Layne Gierke, ASA](mailto:layne@abacuslife.com) Vice President of Risk [![](https://abacuslifesettlements.com/wp-content/uploads/2026/09/Headshots-554px-x-598px-1.png "Frank Walden")](mailto:frank@abacuslife.com) #### [Frank Walden](mailto:frank@abacuslife.com) Vice President of Fund Administration [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/Krissy-Exec.png "Krissy Lubrano")](mailto:krissy@abacuslife.com) #### [Krissy Lubrano](mailto:krissy@abacuslife.com) Vice President of Human Resources [![](https://abacuslifesettlements.com/wp-content/uploads/2026/07/Headshots-554px-x-598px-1.png "David Jackson")](mailto:djackson@abacusgm.com) #### [David Jackson](mailto:djackson@abacusgm.com) Head of Investor Relations ![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/TheobaldD.png "Dani Theobald, Esq.") #### Dani Theobald, Esq. General Counsel - [Financial Professional Sales](#tab-financial-professional-sales) - [Client Direct Sales](#tab-client-direct-sales) - [Broker Sales](#tab-broker-sales) [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/LittleS.png "Stuart Little CLU®, ChFC®, MBA")](mailto:stuart@abacuslife.com) #### [Stuart Little CLU®, ChFC®, MBA](mailto:stuart@abacuslife.com) Vice President of Strategic Accounts [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/HammadA.png "Ashleigh Hammad")](mailto:Ashleigh@abacusgm.com) #### [Ashleigh Hammad](mailto:Ashleigh@abacusgm.com) Director of Key Accounts [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/BrownD.png "Daniel Brown")](mailto:%20dbrown@abacusgm.com) #### [Daniel Brown](mailto:%20dbrown@abacusgm.com) Account Manager [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/FlowersT.png "Scott Flowers")](mailto:sflowers@abacusgm.com) #### [Scott Flowers](mailto:sflowers@abacusgm.com) 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Schaelling")](mailto:harley@abacuslife.com) #### [Harley Schaelling](mailto:harley@abacuslife.com) Sales Manager, Client Direct & Agent [![](https://abacuslifesettlements.com/wp-content/uploads/2026/09/George_Tucci.png "George Tucci")](mailto:jordan@abacuslife.com) #### [George Tucci](mailto:jordan@abacuslife.com) Sales Operations Manager [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/MorganJ.png "Jordan Morgan")](mailto:jordan@abacuslife.com) #### [Jordan Morgan](mailto:jordan@abacuslife.com) Senior Account Executive [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/BargasrgE.png "Erica Bargas")](mailto:ebargas@abacusgm.com) #### [Erica Bargas](mailto:ebargas@abacusgm.com) Account Executive [![](https://abacuslifesettlements.com/wp-content/uploads/2026/01/TynerJ.png "Jackson Tyner")](mailto:jackson@abacuslife.com) #### [Jackson Tyner](mailto:jackson@abacuslife.com) Account Executive [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/CashN.png "Natalie Cash")](mailto:Natalie@abacuslife.com) #### [Natalie Cash](mailto:Natalie@abacuslife.com) Account Executive [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/VelinG.png "Gage Velin")](mailto:gage@abacusgm.com) #### [Gage Velin](mailto:gage@abacusgm.com) Account Executive [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/GiffordC.png "Chriss Gifford")](mailto:chriss@abacuslife.com) #### [Chriss Gifford](mailto:chriss@abacuslife.com) Account Executive [![](https://abacuslifesettlements.com/wp-content/uploads/2026/04/TannerD.png "Denise Tanner")](mailto:denise@abacusgm.com) #### [Denise Tanner](mailto:denise@abacusgm.com) Account Executive [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/Ward.png "David Ward")](mailto:dave@abacuslife.com) #### [David Ward](mailto:dave@abacuslife.com) Senior Business Development Representative [![](https://abacuslifesettlements.com/wp-content/uploads/2026/01/GersonJ.png "Jacob Gerson")](mailto:jacob.gerson@abacusgm.com) #### [Jacob Gerson](mailto:jacob.gerson@abacusgm.com) Business Development Representative [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/JohnsonG.png "Greg Johnson")](mailto:greg@abacusgm.com) #### [Greg Johnson](mailto:greg@abacusgm.com) Business Development Representative [![](https://abacuslifesettlements.com/wp-content/uploads/2025/12/Lee-Berman-2.png "Lee Berman")](mailto:lee.berman@abacusgm.com) #### [Lee Berman](mailto:lee.berman@abacusgm.com) Regional Account Manager [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/GardnerE.png "Emily Gardner")](mailto:egardner@abacuslife.com) #### [Emily Gardner](mailto:egardner@abacuslife.com) Director of Broker Services [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/Laina.png "Efi Laina")](mailto:efi@abacuslife.com) #### [Efi Laina](mailto:efi@abacuslife.com) Sales Manager - Broker Services [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/LiF.png "Fiona Li")](mailto:fiona@abacuslife.com) #### [Fiona Li](mailto:fiona@abacuslife.com) Senior Account Executive - [Marketing & Technology](#tab-marketing-technology) - [Operations & Legal](#tab-operations-legal) - [Abacus Intel](#tab-abacus-intel) [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/TurnerG.png "Gary Turner")](mailto:gary.turner@abacusgm.com) #### Gary Turner Director of Marketing [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/BrownL.png "Logan Brown M.S.")](mailto:logan@abacusgm.com) #### Logan Brown M.S. Director of Digital Marketing [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/GallimoreB_2.png "Blake Gallimore")](mailto:blake@abacusgm.com) #### [Blake Gallimore](mailto:blake@abacusgm.com) Director of Corporate Marketing & Communications [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/CrosbyH.png "Hannah Crosby")](mailto:hannah.crosby@abacusgm.com) #### Hannah Crosby Marketing Associate [![](https://abacuslifesettlements.com/wp-content/uploads/2026/01/BrownA.png "Andrew Brown")](mailto:andrew@abacusgm.com) #### [Andrew Brown](mailto:andrew@abacusgm.com) Marketing Associate [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/FennL.png "Leigha Fenn")](mailto:leigha@abacusgm.com) #### [Leigha Fenn](mailto:leigha@abacusgm.com) Marketing Associate [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/FloydS-1.png "Samuel Floyd")](mailto:samuel.floyd@abacusgm.com) #### [Samuel Floyd](mailto:samuel.floyd@abacusgm.com) Director of Business Development - North America [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/BaronA.png "Abigail Baron")](mailto:abigail@abacusgm.com) #### [Abigail Baron](mailto:abigail@abacusgm.com) Director of Capital Markets and Special Projects [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/BautistaW.png "Wilson Bautista")](mailto:wilson@abacusgm.com) #### [Wilson Bautista](mailto:wilson@abacusgm.com) Information Security Manager [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/QuinnB.png "Brandon Quinn")](mailto:brandon.quinn@abacusgm.com) #### [Brandon Quinn](mailto:brandon.quinn@abacusgm.com) IT Infrastructure Manager [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/LaraD.png "David Lara")](mailto:david.lara@abacusgm.com) #### [David Lara](mailto:david.lara@abacusgm.com) IT Helpdesk Manager [![](https://abacuslifesettlements.com/wp-content/uploads/2026/01/FinerfrockA.png "Audrey Finerfrock")](mailto:audrey@abacusgm.com) #### [Audrey Finerfrock](mailto:audrey@abacusgm.com) Level 1 IT Support Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2026/08/G_Professional.png "Guillermo Montecelo")](mailto:guillermo@abacusgm.com) #### [Guillermo Montecelo](mailto:guillermo@abacusgm.com) Level 1 IT Support Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2026/08/David_Caicedo.png "David Caicedo")](mailto:David.Caicedo@abacusgm.com) #### [David Caicedo](mailto:David.Caicedo@abacusgm.com) Level 1 IT Support Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2026/01/MederosL.png "Luis Mederos")](mailto:luis@abacusgm.com) #### [Luis Mederos](mailto:luis@abacusgm.com) Security Compliance Analyst [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/PalmarA.png "Alejandro Palmar")](mailto:alejandro@abltech.com) #### [Alejandro Palmar](mailto:alejandro@abltech.com) Lead DevOps Engineer [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/GallowayP.png "Patrick Galloway")](mailto:patrick@abacuslife.com) #### [Patrick Galloway](mailto:patrick@abacuslife.com) DevOps Engineer, III [![](https://abacuslifesettlements.com/wp-content/uploads/2026/08/Fredrick_Bouloute.png "Fredrick Bouloute")](mailto:fredrick@abacusintel.com) #### [Fredrick Bouloute](mailto:fredrick@abacusintel.com) DevOps Engineer, I [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/OlivosM.png "Matthew Olivos")](mailto:matthew@abacuslife.com) #### [Matthew Olivos](mailto:matthew@abacuslife.com) Software Engineer, III [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/ThanathM.png "Mitchell Thanath")](mailto:mitchell@lmagrp.com) #### [Mitchell Thanath](mailto:mitchell@lmagrp.com) Software Engineer, II [![](https://abacuslifesettlements.com/wp-content/uploads/2026/01/KolegaZ.png "Zoran Kolega")](mailto:zoran@abltech.com) #### [Zoran Kolega](mailto:zoran@abltech.com) Software Engineer, II [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/LyonsZ.png "Zachary Lyons")](mailto:zachary@abltech.com) #### [Zachary Lyons](mailto:zachary@abltech.com) Software Engineer, II [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/NguyenM.png "Matthew Nguyen")](mailto:m.nguyen@lmagrp.com) #### [Matthew Nguyen](mailto:m.nguyen@lmagrp.com) Software Engineer, II [![](https://abacuslifesettlements.com/wp-content/uploads/2026/10/Zach_Neidig.png "Zachary Neidig")](mailto:david.umanzor@abacusintel.com) #### [Zachary Neidig](mailto:david.umanzor@abacusintel.com) Software Engineer, II [![](https://abacuslifesettlements.com/wp-content/uploads/2026/08/Aaron_Apigo.png "Aaron Apigo")](mailto:aaron.apigo@abacusgm.com) #### [Aaron Apigo](mailto:aaron.apigo@abacusgm.com) Software Engineer, I [![](https://abacuslifesettlements.com/wp-content/uploads/2026/08/Hubert_Antoniewicz.png "Hubert Antoniewicz, CFA")](mailto:Hubert@abacusintel.com) #### [Hubert Antoniewicz, CFA](mailto:Hubert@abacusintel.com) Lead Data Scientist [![](https://abacuslifesettlements.com/wp-content/uploads/2026/08/David_Umanzor.png "David Umanzor")](mailto:david.umanzor@abacusintel.com) #### [David Umanzor](mailto:david.umanzor@abacusintel.com) Data Scientist, I [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/TrucilloJ.png "John Trucillo")](mailto:john.trucillo@abltech.com) #### [John Trucillo](mailto:john.trucillo@abltech.com) AI Engineer, II [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/PatelJ.png "Jinan Patel")](mailto:jinan@abltech.com) #### [Jinan Patel](mailto:jinan@abltech.com) Product Manager [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/NguyenJ.png "Jennifer Nguyen")](mailto:jennifer@abltech.com) #### [Jennifer Nguyen](mailto:jennifer@abltech.com) Database Developer [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/PezzopaneC.png "Courtney Pezzopane")](mailto:courtney@abacuslife.com) #### [Courtney Pezzopane](mailto:courtney@abacuslife.com) Director of Training and Efficiency [![](https://abacuslifesettlements.com/wp-content/uploads/2026/04/CrowleyJ.png "Jennifer Crowley")](mailto:jennifer.crowley@abacusgm.com) #### [Jennifer Crowley](mailto:jennifer.crowley@abacusgm.com) Director of Operational Audit [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/GouinN.png "Nancy Gouin")](mailto:nancy@abacuslife.com) #### [Nancy Gouin](mailto:nancy@abacuslife.com) Office Manager [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/Jackson_D.png "Dakota Jackson")](mailto:dakota@abacuslife.com) #### [Dakota Jackson](mailto:dakota@abacuslife.com) HR Manager [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/ODonnelW.png "Wendy O'Donnell")](mailto:wendy@abacuslife.com) #### [Wendy O'Donnell](mailto:wendy@abacuslife.com) Contracts Attorney [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/MasonS.png "Shaylene Mason")](mailto:shaylene@lmagrp.com) #### [Shaylene Mason](mailto:shaylene@lmagrp.com) Executive Assistant [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/GonzalezM.png "Melisa Gonzalez")](mailto:melisa@abacusintel.com) #### [Melisa Gonzalez](mailto:melisa@abacusintel.com) Executive Support Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/MeyersE.png "Edward Meyers")](mailto:%20eddie@abacusintel.com) #### [Edward Meyers](mailto:%20eddie@abacusintel.com) Senior Account Executive [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/ZaptaJ.png "Jose Zapata Pina")](mailto:%20jose@abacusintel.com) #### [Jose Zapata Pina](mailto:%20jose@abacusintel.com) Account Executive [![](https://abacuslifesettlements.com/wp-content/uploads/2026/01/Final-Harry-Duong.png "Harry Duong")](mailto:harry@abacusintel.com) #### [Harry Duong](mailto:harry@abacusintel.com) Account Executive [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/NguyenW.png "William Nguyen")](mailto:%20william@abacusintel.com) #### [William Nguyen](mailto:%20william@abacusintel.com) Customer Success Manager [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/SoronellasR.png "Robert Soronellas")](mailto:%20robert.soronellas@lmagrp.com) #### [Robert Soronellas](mailto:%20robert.soronellas@lmagrp.com) AI Engineer, I [![](https://abacuslifesettlements.com/wp-content/uploads/2026/08/Peter_V.png "Peter Vagelatos")](mailto:peter@abacusintel.com) #### [Peter Vagelatos](mailto:peter@abacusintel.com) Customer Success Manager - [Case Processing](#tab-case-processing) - [Closing](#tab-closing) - [Contracts](#tab-contracts) [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/DiazB.png "Blanca Diaz")](mailto:blanca@abacusgm.com) #### [Blanca Diaz](mailto:blanca@abacusgm.com) Case Processing Manager [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/WalshC.png "Cassi Walsh")](mailto:cassi@abacusgm.com) #### [Cassi Walsh](mailto:cassi@abacusgm.com) Case Processor [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/HeilmanK.png "Kelli Heilman")](mailto:kelli@abacusgm.com) #### [Kelli Heilman](mailto:kelli@abacusgm.com) Case Processor [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/ValdesR.png "Rache Valdes")](mailto:rache@lmagrp.com) #### [Rache Valdes](mailto:rache@lmagrp.com) Case Processor [![](https://abacuslifesettlements.com/wp-content/uploads/2026/09/Lillyanna_Kanzler_1.png "Lillyanna Kanzler")](mailto:rache@lmagrp.com) #### [Lillyanna Kanzler](mailto:rache@lmagrp.com) Case Processor [![](https://abacuslifesettlements.com/wp-content/uploads/2026/09/Deanne_Riley.png "Deanne Riley")](mailto:rache@lmagrp.com) #### [Deanne Riley](mailto:rache@lmagrp.com) Case Processor [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/CormanyE.png "Erica Klawinski")](mailto:erica@abacusgm.com) #### [Erica Klawinski](mailto:erica@abacusgm.com) Director of Closing [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/BurdetteD.png "Dalton Burdette")](mailto:dalton@abacusgm.com) #### [Dalton Burdette](mailto:dalton@abacusgm.com) Closing Manager [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/SchulteM.png "Megan Schulte")](mailto:megan@abacusgm.com) #### [Megan Schulte](mailto:megan@abacusgm.com) Closing Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/AllenJ.png "Janine Allen")](mailto:janine@abacuslife.com) #### [Janine Allen](mailto:janine@abacuslife.com) Senior Closing Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/AndreeL.png "Liz Andree")](mailto:liz@abacusgm.com) #### [Liz Andree](mailto:liz@abacusgm.com) Senior Closing Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/SkolnikK.png "Kolby Skolnik")](mailto:Kolby@abacusgm.com) #### [Kolby Skolnik](mailto:Kolby@abacusgm.com) Senior Closing Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/Ford.png "Tracey Ford")](mailto:tracey@abacuslife.com) #### [Tracey Ford](mailto:tracey@abacuslife.com) Closing Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/PerkinsE.png "Erin Perkins")](mailto:erin@abacuslife.com) #### [Erin Perkins](mailto:erin@abacuslife.com) Closing Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/HowardS.png "Sidney Howard")](mailto:sidney@abacusgm.com) #### [Sidney Howard](mailto:sidney@abacusgm.com) Closing Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2026/09/Justyne_Monsanto.png "Justyne Monsanto")](mailto:tnieves@abacuslife.com) #### [Justyne Monsanto](mailto:tnieves@abacuslife.com) Closing Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/NievesT.png "Tammie Nieves")](mailto:tnieves@abacuslife.com) #### [Tammie Nieves](mailto:tnieves@abacuslife.com) Closing Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/GeirkeS.png "Celeste Gierke")](mailto:celeste@abacuslife.com) #### [Celeste Gierke](mailto:celeste@abacuslife.com) Director of Contracts [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/LehmanN.png "Nicole Lehman")](mailto:nicole@abacuslife.com) #### [Nicole Lehman](mailto:nicole@abacuslife.com) Contracts Manager [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/KlawinskiN.png "Nathan Klawinski")](mailto:nathan@abacuslife.com) #### [Nathan Klawinski](mailto:nathan@abacuslife.com) Senior Contract Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/LeachT.png "Tammy Leach")](mailto:tammy@abacuslife.com) #### [Tammy Leach](mailto:tammy@abacuslife.com) Senior Contract Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/LeiW.png "Win Lei")](mailto:win@abacuslife.com) #### [Win Lei](mailto:win@abacuslife.com) Contract Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/HausmanmnN.png "Nathan Hausmann")](mailto:nhausmann@abacuslife.com) #### [Nathan Hausmann](mailto:nhausmann@abacuslife.com) Contract Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/RoseG.png "Gaia Rose")](mailto:gaia@abacuslife.com) #### [Gaia Rose](mailto:gaia@abacuslife.com) Contract Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/MaffettK.png "Katelyn Maffett")](mailto:katelyn@abacusgm.com) #### [Katelyn Maffett](mailto:katelyn@abacusgm.com) Contract Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/MoralesA.png "Alexa Morales")](mailto:alexa@abacuslife.com) #### [Alexa Morales](mailto:alexa@abacuslife.com) Policy Verification Manager [![](https://abacuslifesettlements.com/wp-content/uploads/2026/09/Sydney_Morales.png "Sydney Morales")](mailto:alexa@abacuslife.com) #### [Sydney Morales](mailto:alexa@abacuslife.com) Policy Verification Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2026/09/Sarah_Perez.png "Sara Perez")](mailto:alexa@abacuslife.com) #### [Sara Perez](mailto:alexa@abacuslife.com) Policy Verification Specialist - [Fund Management](#tab-fund-management) - [Servicing](#tab-servicing) - [Pricing & Finance](#tab-pricing-finance) - [Accounting](#tab-accounting) - [ABL Wealth](#tab-abl-wealth) [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/PetrunakS.png "Shawn Petrunak")](mailto:shawn@abacuslife.com) #### [Shawn Petrunak](mailto:shawn@abacuslife.com) Managing Director of Capital Markets [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/BlackwellE.png "Erika Blackwell")](mailto:erika@abacuslife.com) #### [Erika Blackwell](mailto:erika@abacuslife.com) Managing Director of Portfolio & Acquisitions [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/SawukN.png "Nick Sawuk")](mailto:nick@abacuslife.com) #### [Nick Sawuk](mailto:nick@abacuslife.com) Managing Director [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/MclaremC.png "Corey McLaren")](mailto:corey@abacusgm.com) #### [Corey McLaren](mailto:corey@abacusgm.com) Head of Longevity Investing [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/VaughnM.png "Matthew Vaughn")](mailto:matthew.vaughn@abacuslife.com) #### [Matthew Vaughn](mailto:matthew.vaughn@abacuslife.com) Senior Trading Analyst [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/SchieffelinB.png "Ben Schieffelin")](mailto:ben@abacusgm.com) #### [Ben Schieffelin](mailto:ben@abacusgm.com) Trading Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/CusimanoD.png "Daniel Cusimano")](mailto:daniel@abacusgm.com) #### [Daniel Cusimano](mailto:daniel@abacusgm.com) Trading Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/PopeG.png "Gigi Pope")](mailto:georgeanna@abacuslife.com) #### [Gigi Pope](mailto:georgeanna@abacuslife.com) Trading Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2026/09/Falcone_Kaumatule.png "Falcon Kaumatule")](mailto:georgeanna@abacuslife.com) #### [Falcon Kaumatule](mailto:georgeanna@abacuslife.com) Trading Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/McNealyN.png "Nolan McNealy")](mailto:nolan@abacuslife.com) #### [Nolan McNealy](mailto:nolan@abacuslife.com) Capital Markets Analyst [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/SantoR.png "Ryan Santo")](mailto:rsanto@abacuslife.com) #### [Ryan Santo](mailto:rsanto@abacuslife.com) Capital Markets Analyst [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/DukeS.png "Sarah Duke")](mailto:sarah@lmagrp.com) #### [Sarah Duke](mailto:sarah@lmagrp.com) Closing Manager [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/DonelickA.png "Avery Donelick")](mailto:avery@abacuslife.com) #### [Avery Donelick](mailto:avery@abacuslife.com) Trading Coordinator [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/WilliamsK.png "Kiana Williams")](mailto:kiana@abacuslife.com) #### [Kiana Williams](mailto:kiana@abacuslife.com) Director of Servicing [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/ColeM.png "Megan Cole")](mailto:megan.cole@lmagrp.com) #### [Megan Cole](mailto:megan.cole@lmagrp.com) Claims Consultant [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/HughesP.png "Patti Hughes")](mailto:patti@abacuslife.com) #### [Patti Hughes](mailto:patti@abacuslife.com) Policy Servicing Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/LongS.png "Susan Long")](mailto:susan.long@abacuslife.com) #### [Susan Long](mailto:susan.long@abacuslife.com) Policy Underwriting Analyst [![](https://abacuslifesettlements.com/wp-content/uploads/2026/04/CabreraG.png "Sofia Cabrera-Gutierrez")](mailto:sofia@lmagrp.com) #### [Sofia Cabrera-Gutierrez](mailto:sofia@lmagrp.com) Policy Onboarding Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/RubinS.png "Sherri Ballentine")](mailto:sherri@abacuslife.com) #### [Sherri Ballentine](mailto:sherri@abacuslife.com) Servicing Agent [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/JacobY.png "Samantha Jacoby")](mailto:samantha.jacoby@lmagrp.com) #### [Samantha Jacoby](mailto:samantha.jacoby@lmagrp.com) Servicing Agent [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/EazinL.png "Lise Bazin")](mailto:lise@abacuslife.com) #### [Lise Bazin](mailto:lise@abacuslife.com) Servicing Agent [![](https://abacuslifesettlements.com/wp-content/uploads/2026/04/RamirezM.png "Melissa Ramirez")](mailto:melissa.ramirez@lmagrp.com) #### [Melissa Ramirez](mailto:melissa.ramirez@lmagrp.com) Servicing Agent [![](https://abacuslifesettlements.com/wp-content/uploads/2026/01/HernandezS.png "Sylvia Hernandez")](mailto:sylvia@abacuslife.com) #### [Sylvia Hernandez](mailto:sylvia@abacuslife.com) Servicing Agent [![](https://abacuslifesettlements.com/wp-content/uploads/2026/09/Derek_Bowe.png "Derek Bowe")](mailto:melissa.ramirez@lmagrp.com) #### [Derek Bowe](mailto:melissa.ramirez@lmagrp.com) Servicing Agent [![](https://abacuslifesettlements.com/wp-content/uploads/2026/09/Paige_Grant.png "Paige Grant")](mailto:melissa.ramirez@lmagrp.com) #### [Paige Grant](mailto:melissa.ramirez@lmagrp.com) Servicing Agent [![](https://abacuslifesettlements.com/wp-content/uploads/2026/04/PerezV.png "Valentina Perez")](mailto:valentina@lmagrp.com) #### [Valentina Perez](mailto:valentina@lmagrp.com) Administrative Assistant [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/ReddyC.png "Chloe Reddy")](mailto:chloe@lmagrp.com) #### [Chloe Reddy](mailto:chloe@lmagrp.com) Servicing Training and Development Lead [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/TheisenS.png "Shelby Theisen")](mailto:shelby@lmagrp.com) #### [Shelby Theisen](mailto:shelby@lmagrp.com) Team Lead, LMA [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/MahboubA.png "Amine Mahboub, CFA")](mailto:amine@abacuslife.com) #### [Amine Mahboub, CFA](mailto:amine@abacuslife.com) Portfolio Manager [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/DavidK.png "Kevin David")](mailto:kevin@abacuslife.com) #### [Kevin David](mailto:kevin@abacuslife.com) Senior Data Analyst [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/GabrieleK.png "Kyle Gabriele")](mailto:kyle@abacuslife.com) #### [Kyle Gabriele](mailto:kyle@abacuslife.com) Pricing Analyst [![](https://abacuslifesettlements.com/wp-content/uploads/2026/01/DeMirandaF.png "Francisco De Miranda")](mailto:francisco@abacuslife.com) #### [Francisco De Miranda](mailto:francisco@abacuslife.com) Policy Risk Analyst [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/BellantoniL.png "Logan Bellantoni")](mailto:logan.bellantoni@lmagrp.com) #### [Logan Bellantoni](mailto:logan.bellantoni@lmagrp.com) Premium Coordinator [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/PowersD.png "Dexter Powers")](mailto:dexter@lmagrp.com) #### [Dexter Powers](mailto:dexter@lmagrp.com) Pricing Operations Analyst [![](https://abacuslifesettlements.com/wp-content/uploads/2026/09/Nolan_Tipton.png "Nolan Tipton")](mailto:dexter@lmagrp.com) #### [Nolan Tipton](mailto:dexter@lmagrp.com) Pricing Analyst [![](https://abacuslifesettlements.com/wp-content/uploads/2026/04/SchumacherM.png "Meg Schumacher")](mailto:meg@abacusgm.com) #### [Meg Schumacher](mailto:meg@abacusgm.com) Controller [![](https://abacuslifesettlements.com/wp-content/uploads/2026/09/Heidi.png "Heidi Gregori")](mailto:elena.franklin@lmagrp.com) #### [Heidi Gregori](mailto:elena.franklin@lmagrp.com) Director of Finance - AccuQuote [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/SuberJ.png "Jamie Suber")](mailto:jamie@lmagrp.com) #### [Jamie Suber](mailto:jamie@lmagrp.com) Director of Internal Audit [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/MortensenN.png "Nicole Mortensen")](mailto:nicole.mortensen@abacuslife.com) #### [Nicole Mortensen](mailto:nicole.mortensen@abacuslife.com) Accounting Manager [![](https://abacuslifesettlements.com/wp-content/uploads/2026/01/KawadlerK.png "Kelsey Kawadler")](mailto:kelsey@lmagrp.com) #### [Kelsey Kawadler](mailto:kelsey@lmagrp.com) Senior Internal Auditor [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/WhitmanS.png "Samantha Whitman")](http://sammie@abacuslife.com) #### [Samantha Whitman](http://sammie@abacuslife.com) Senior Accountant [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/kearfottF.png "Foster Kearfott")](mailto:foster@lmagrp.com) #### [Foster Kearfott](mailto:foster@lmagrp.com) Fund Accountant [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/MytonJ.png "Jared Myton")](mailto:jared@abacusgm.com) #### [Jared Myton](mailto:jared@abacusgm.com) Staff Accountant [![](https://abacuslifesettlements.com/wp-content/uploads/2026/01/DayD.png "Devin Day")](mailto:devin.day@abacuslife.com) #### [Devin Day](mailto:devin.day@abacuslife.com) Accounting Analyst [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/HowardA.png "Aubree Howard")](mailto:aubree@abacuslife.com) #### [Aubree Howard](mailto:aubree@abacuslife.com) Accounting Specialist [![](https://abacuslifesettlements.com/wp-content/uploads/2026/09/Robert_Costello.png "Robert Costello")](mailto:elena.franklin@lmagrp.com) #### [Robert Costello](mailto:elena.franklin@lmagrp.com) Accounting Analyst [![](https://abacuslifesettlements.com/wp-content/uploads/2026/09/Josh_Berenbaum.png "Josh Berenbaum")](mailto:elena.franklin@lmagrp.com) #### [Josh Berenbaum](mailto:elena.franklin@lmagrp.com) Accounting Analyst [![](https://abacuslifesettlements.com/wp-content/uploads/2026/04/FraklinB.png "Elena Franklin")](mailto:elena.franklin@lmagrp.com) #### [Elena Franklin](mailto:elena.franklin@lmagrp.com) Accounting Analyst [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/McTonaldT.png "Tom MacDonald")](mailto:tom@lmagrp.com) #### [Tom MacDonald](mailto:tom@lmagrp.com) Portfolio Analyst [![](https://abacuslifesettlements.com/wp-content/uploads/2025/09/McDevittC.png "Colin McDevitt")](mailto:colin.mcdevitt@abacusgm.com) #### [Colin McDevitt](mailto:colin.mcdevitt@abacusgm.com) Regional Sales Director - Northeast [![](https://abacuslifesettlements.com/wp-content/uploads/2025/10/KnowltonJ.png "Jon Knowlton")](mailto:jon.knowlton@abacusgm.com) #### [Jon Knowlton](mailto:jon.knowlton@abacusgm.com) Regional Sales Director - West Coast ## Options for Your Life Insurance Homepage Learning Center Contact Us --- ### [iGroup Life Settlement Calculator](https://abacuslifesettlements.com/igroup-life-settlement-calculator/) **Published:** July 30, 2025 **Author:** Hannah Crosby **Content:** iGroup # Estimate the Value of Your Client's Policy Get a fast, confidential life settlement estimate in minutes. There is no cost and no obligation. This tool provides preliminary estimates that are subject to full underwriting review. Questions? Call Abacus Life at [800-561-4148](tel:8005614148). Provided by Abacus Life, Inc. (NYSE: ABX) --- ### [FFR Life Settlement Calculator](https://abacuslifesettlements.com/ffr/) **Published:** May 29, 2025 **Author:** Admin **Content:** FFR # Estimate the Value of Your Client's Policy Get a fast, confidential life settlement estimate in minutes. There is no cost and no obligation. This tool provides preliminary estimates that are subject to full underwriting review. Questions? Call Abacus Life at [800-561-4148](tel:8005614148). Provided by Abacus Life, Inc. (NYSE: ABX) --- ### [EPG Life Settlement Calculator](https://abacuslifesettlements.com/epg/) **Published:** May 29, 2025 **Author:** Admin **Content:** Elite Producers Group # Estimate the Value of Your Client's Policy Get a fast, confidential life settlement estimate in minutes. There is no cost and no obligation. This tool provides preliminary estimates that are subject to full underwriting review. Questions? Call Abacus Life at [800-561-4148](tel:8005614148). Provided by Abacus Life, Inc. (NYSE: ABX) --- ### [AIN Life Settlement Calculator](https://abacuslifesettlements.com/ain-life-settlement-calculator/) **Published:** July 30, 2025 **Author:** Hannah Crosby **Content:** AIN # Estimate the Value of Your Client's Policy Get a fast, confidential life settlement estimate in minutes. There is no cost and no obligation. This tool provides preliminary estimates that are subject to full underwriting review. Questions? Call Abacus Life at [800-561-4148](tel:8005614148). Provided by Abacus Life, Inc. (NYSE: ABX) --- ### [AIMCOR Life Settlement Calculator](https://abacuslifesettlements.com/aimcor-life-settlement-calculator/) **Published:** July 30, 2025 **Author:** Hannah Crosby **Content:** AIMCOR # Estimate the Value of Your Client's Policy Get a fast, confidential life settlement estimate in minutes. There is no cost and no obligation. This tool provides preliminary estimates that are subject to full underwriting review. Questions? Call Abacus Life at [800-561-4148](tel:8005614148). Provided by Abacus Life, Inc. (NYSE: ABX) --- ### [Lion Street Life Settlement Calculator](https://abacuslifesettlements.com/lionstreet-life-settlement-calculator/) **Published:** July 30, 2025 **Author:** Hannah Crosby **Content:** Lion Street # Estimate the Value of Your Client's Policy Get a fast, confidential life settlement estimate in minutes. There is no cost and no obligation. This tool provides preliminary estimates that are subject to full underwriting review. Questions? Call Abacus Life at [800-561-4148](tel:8005614148). Provided by Abacus Life, Inc. (NYSE: ABX) --- ### [M Financial Life Settlement Calculator](https://abacuslifesettlements.com/m-financial/) **Published:** May 29, 2025 **Author:** Admin **Content:** M Financial Group # Estimate the Value of Your Client's Policy Get a fast, confidential life settlement estimate in minutes. There is no cost and no obligation. This tool provides preliminary estimates that are subject to full underwriting review. Questions? Call Abacus Life at [800-561-4148](tel:8005614148). Provided by Abacus Life, Inc. (NYSE: ABX) --- ### [Financial Management - Next Steps](https://abacuslifesettlements.com/next-steps-financial-management/) **Published:** October 7, 2026 **Author:** Admin **Content:** Financial Management — Next Steps \| Abacus Life & Retirable Financial Management — next steps # You're one step closer to a confident retirement. We've shared your information with Retirable, a retirement-planning firm we trust. A licensed Retirable advisor will reach out to you shortly to talk through your goals — no cost, no obligation. ## A Retirable advisor will be reaching out shortly. They'll walk through your retirement picture and what a plan could look like — no obligation, no pressure. At Abacus Life, our goal has always been to help you get the most from what you've built. When a life settlement isn't the right fit, a strong retirement plan often is. [Retirable](https://retirable.com) is a retirement-planning firm whose licensed advisors focus exclusively on one thing: helping people plan, manage, and protect their retirement income. Your advisor can help you look at the full picture — income, spending, savings, and Social Security timing — and build a personalized plan designed to make your money last. ### What happens next 1 They reach out A licensed Retirable advisor contacts you, typically within one business day. 2 A real conversation A short intro call about your retirement picture and what matters most to you. 3 Your plan A personalized retirement income plan built around your goals — yours to keep. ### Why Retirable? Retirement isn't just a number — it's income, healthcare, taxes, and peace of mind. Retirable's advisors specialize in exactly this stage of life, so the guidance you get is built for where you are, not where you were thirty years ago. [Learn more at retirable.com](https://retirable.com) --- ### [Replacement Life Insurance - Next Steps](https://abacuslifesettlements.com/next-steps-life-insurance/) **Published:** October 7, 2026 **Author:** Admin **Content:** Replacement Life Insurance — Next Steps \| Abacus Life & AccuQuote Replacement Life Insurance — next steps # Great choice — let's take a fresh look at your coverage. A licensed AccuQuote specialist will be reaching out to you shortly. AccuQuote is part of the Abacus Life Solutions family, so you're in good hands — same commitment, same values, with specialists dedicated to finding coverage that works for where you are today. ## An AccuQuote specialist will be calling you shortly. Based on the information you provided, they'll reach out to walk you through your options — no obligation, no pressure. At Abacus Life, our goal has always been to help you get the most value from your life insurance policy. When a settlement isn't the right fit, that doesn't mean your journey with us ends. [AccuQuote](https://www.accuquote.com), part of our Abacus Life Solutions vertical, exists for exactly this moment. Their licensed specialists can review your current coverage and explore options like reducing your premiums, adjusting your coverage, or finding a new policy better suited to where you are in life today. Can't wait for their call? You can connect with them right now using the buttons below. Connect with AccuQuote now [Get a Free Quote →](https://www.accuquote.com/quote-form) [Learn About AccuQuote](https://www.accuquote.com) ### Real people. Real savings. Here are a few examples of how AccuQuote has helped people in situations similar to yours. Coverage & Savings Robert, 69, was paying **$625/month** across two term policies totaling $200,000. After losing a significant amount of weight since he first applied, AccuQuote was able to replace both with a single **$250,000 policy for $474/month** — more coverage for less. Runaway Premiums When David's 1M term policy expired at 60, his premium jumped from **$68 to $240 a month** overnight. He no longer needed that much coverage, so AccuQuote placed him in a **$250,000 20-year level term for $108/month** — locked in and predictable. Unaffordable Policy James, 63, watched his universal life policy premiums jump from **$260 to $790/month**. He couldn't sustain it. AccuQuote replaced his $599,000 policy with a **$500,000 20-year level term for $387/month** — saving him nearly $5,000 a year. ART Sticker Shock Margaret, 68, saw her quarterly premium balloon from **$67 to nearly $500** when her policy converted to an annual renewable term. AccuQuote replaced it with a **$100,000 10-year level term at $300/quarter** — stable coverage she can count on. Results are representative of recent client outcomes and are pending approval. Individual results will vary based on health, age, and carrier underwriting. ### Why AccuQuote? 37+ Years of experience Helping Americans find the right life insurance coverage since 1986. A+ Rated carriers only Access to top-rated insurance companies competing for your business. 100% Independent advice No pressure, no obligation — just an honest look at your best options. --- ### [Life Insurance Options for Medical Care](https://abacuslifesettlements.com/viatical-settlements-terminal-illness/) **Published:** June 3, 2015 **Author:** Admin **Content:** # Live Well, Right Now Funding your medical care can ease the financial burden and create a more peaceful, stress-free environment. This support helps you focus on what truly matters — your health, your loved ones, and your quality of life. [Request Info](#) ![](https://abacuslifesettlements.com/wp-content/uploads/2025/07/Life-Insurance-Options-for-Website-e1752004309960.png) Selling your life insurance policy to pay for medical needs is specifically for individuals suffering from a terminal illness. The transaction can typically be done tax-free, so long as the insured meets certain criteria as stated by a medical professional. ## How does this option differ from normal life insurance purchases? At its core, it is essentially the same as other life settlement options; with the major caveat being the insured is typically suffering from a terminal illness and has a life expectancy of less than two years. There are some other slight variations between the two. Below, you can see a comparison of the types. ### [**Viatical**](https://abacuslifesettlements.com/viatical-settlement/) - The insured is terminally/chronically ill. - The proceeds typically range from 50% to 80% of the death benefit. - The IRS allows proceeds to be received as a tax-free gain so long as the insured meets certain criteria as stated by a medical professional. ### [**Standard Life Settlement**](https://abacuslifesettlements.com/learn-how-life-settlements-work/) - The insured is typically a senior in their late 70s. - The proceeds are usually around 10% to 80% of the death benefit, depending on life expectancy. - The funds are normally subject to taxation unless they meet IRS guidelines. ## **When is the Right Time to Pursue a Viatical Option?** For many individuals facing a terminal illness, a viatical sale can be a strong financial solution. Patients and their families can receive funds to pay for medical care or quality of life experiences. We commonly see clients use their funds to tackle their “bucket-lists.” Many insured want to be able to see their family enjoy their life insurance money now, rather than not being present to share in their happiness. Coping with a medical crisis while still worrying about medical bills works against the goals of palliative care and hospice. With the [cost of healthcare](https://abacuslifesettlements.com/healthcare-could-cost-185500-in-retirement-could-an-old-life-insurance-policy-help/) continuing to rise, even those with excellent health insurance are struggling to keep up with medical expenses. Viatical settlements can provide an inflow of funds which can be used to pay off bills or fund experimental/alternative treatments that may not be covered under insurance. If you are struggling with medical bills, having an issue keeping up with your premiums, or just want immediate income, a viatical settlement could be right for you. We at Abacus advise that anyone considering a settlement take a close look at their life insurance and financial situation to make sure they are making the correct choice for them and their family. If you do not have an immediate need for a lump sum of cash, we suggest not seeking a life settlement as realistically, the greatest payout you can receive is the death benefit. In contrast, if you are considering letting your policy lapse or surrendering it, [**contact us**](https://abacuslifesettlements.com/contact/) first. Abacus wants to help you get the most out of your policy. ## **Regulation** Whoever you choose to work with, you should make sure they follow the correct guidelines; there are still some companies in the industry who do not operate under the appropriate licensure. ## **Meet Diane** Diane was diagnosed with stage IV cancer. Realizing the immediate need for financial assistance to pay for treatment, Abacus was able to close the case in exactly 30 days. Diane received a lump sum of **$201,000** and was able to secure important medical care right away. ![](https://abacuslifesettlements.com/wp-content/uploads/2025/07/Diane-Funding-Medical-Care-for-Website-1.png) ## **The First Step** If you’re interested in learning more about your life insurance options with Abacus, we encourage you to pre-qualify your life insurance policy using our confidential **[Online Qualification Tool](https://abacuslifesettlements.com/qualify-a-life-settlement/)**. If you prefer to speak with one of our representatives, call us at **[1-(800) 561-4148](tel:8005614148)**. ###### \*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 Clients 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. --- ### [When to Sell Your Life Insurance Policy | Abacus Life](https://abacuslifesettlements.com/consider-life-settlements/) **Published:** October 6, 2014 **Author:** Admin **Content:** When to Consider Selling Your Policy \| Abacus Life ![](https://abacuslifesettlements.com/wp-content/uploads/2026/05/Abacus-Life-New-Website-Photos-26.png) Abacus Life Learning Center Is This Right for You? # When to Consider *Selling Your Policy* Determining if a life settlement is the right choice should be carefully discussed with family and financial advisors. Here are the three primary motivating factors that lead policyholders to consider selling. [Free Life Settlement Estimate](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) Your Policy, Your Asset ## Unlock the Cash Value of Your Life Insurance In 1911, the United States government ruled that life insurance policies are personal property. This outcome opened up the possibility for policies to be bought, sold, and traded — just like any other high-value asset. In times of financial hardship or changing life circumstances, a person can now choose to liquidate their policy and turn it into cash. This lump sum could then be used to: - Pay for assisted living or long-term care - Fund cancer treatment or critical care - Pay outstanding medical bills - Pay premiums on another existing life insurance policy Did You Know? > Life insurance policies are personal property — and they can be sold for more than their cash surrender value. — U.S. Supreme Court, Grigsby v. Russell, 1911 Three Primary Reasons ## Common Motivating Factors There are certain standards the policy and the insured must meet to qualify. Here are the most common situations that lead policyholders to explore a life settlement. ### Funds for Medical Expenses We will walk you through every number so you have the information you need to make an informed decision. Here are some common ways people use their payout to cover medical expenses: - Cancer treatments or critical care - Long-term care or assisted living - Medical debt or out-of-pocket costs - Insurance premium support ### Financial Needs & Goals A life settlement can provide significant liquidity for a variety of financial objectives. Some common uses of a life settlement payout include: - Fund a business or business expansion - Pay off tax liability or debt - Purchase an investment - Fund a lump sum income-generating annuity ### Your Lifestyle Needs Have Changed As the insured progresses through life, they may no longer need a life insurance policy. If they qualify, a life settlement could be a viable option. Here are some examples of lifestyle changes that could encourage the sale of a policy: - Divorce - Retirement - There is no longer an estate tax burden - The beneficiaries no longer need the proceeds Working With Abacus ## The Big Picture There are a lot of different scenarios where this option can help someone turn their insurance policy into a living benefit. Take a look at our [case studies](/case-studies/) to see how the choice to sell can be a profitable way to alleviate costly premiums on a no longer needed policy. Abacus Life is dedicated to making sure you receive the most from your policy and that your entire experience is fast and seamless. We will work with you every step of the way to ensure you feel comfortable with the process. [Get a Free Estimate](/qualify-a-life-settlement/) Ready to Get Started? ### See How Much Your Policy Could Be Worth Our Life Settlement Calculator gives you a no-obligation estimate in as little as 24-48 hours. Abacus Life is a direct buyer — meaning no middlemen and more money for you. [Life Settlement Calculator](/qualify-a-life-settlement/) Questions? Call us at [800-561-4148](tel:8005614148) Get Started ## Learn More About Your Life Settlement Options Call us today or use our Life Settlement Calculator to see how much your policy could be worth. [Life Settlement Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) Continue Learning ## Explore More Resources [ The Basics### Life Settlement Guide Everything you need to know about how life settlements work, who qualifies, and what to expect. Read the Guide → ](https://abacuslifesettlements.com/learn-how-life-settlements-work/) [ Real Clients### Success Stories Read real case studies from policyholders who received life-changing payouts through Abacus. View Case Studies → ](https://abacuslifesettlements.com/case-studies/) [ Industry History### Timeline of Life Settlements Explore how life settlements evolved from a 1911 Supreme Court ruling to a NYSE-traded industry. View Timeline → ](https://abacuslifesettlements.com/timeline-of-life-settlements/) --- ### [Life Settlement Webinars | Abacus Life](https://abacuslifesettlements.com/webinars/) **Published:** August 25, 2025 **Author:** Logan Brown **Content:** # Webinars [![Admin](https://secure.gravatar.com/avatar/791a213362d68e198d51b1f75b1a70aca61ce17e12f06df0177b5a294940b40b?s=90&d=mm&r=g)](https://abacuslifesettlements.com/author/admin/) [Admin](https://abacuslifesettlements.com/author/admin/) In [Webinar](https://abacuslifesettlements.com/category/webinar/) ## [ Q2 Longevity Trends Webinar Featuring Dr. Jay Olshansky](https://abacuslifesettlements.com/q2-longevity-trends-webinar-featuring-dr-jay-olshansky/)   Listen in to our Q2 Longevity Trends Webinar Featuring… [Read More](https://abacuslifesettlements.com/q2-longevity-trends-webinar-featuring-dr-jay-olshansky/) [![Admin](https://secure.gravatar.com/avatar/791a213362d68e198d51b1f75b1a70aca61ce17e12f06df0177b5a294940b40b?s=90&d=mm&r=g)](https://abacuslifesettlements.com/author/admin/) [Admin](https://abacuslifesettlements.com/author/admin/) In [Webinar](https://abacuslifesettlements.com/category/webinar/) ## [ Q3 Financial & Life Settlement Market Update With CNBC’s Steve Grasso](https://abacuslifesettlements.com/q3-financial-life-settlement-market-update-with-cnbcs-steve-grasso/) Listen in for our Q3 Financial and Life Settlement Market Update… [Read More](https://abacuslifesettlements.com/q3-financial-life-settlement-market-update-with-cnbcs-steve-grasso/) [Want future invites? Join our list](http://eepurl.com/iLqIRA) --- ### [Life Settlement Videos | Abacus Life](https://abacuslifesettlements.com/videos/) **Published:** May 10, 2019 **Author:** Admin **Content:** Videos \| Abacus Life \| Abacus Life Settlements ![](https://abacuslifesettlements.com/wp-content/uploads/2026/05/Abacus-Life-New-Website-Photos-25.png) Abacus Life Learning Center Educational Resources: # Life Settlement *Videos* Watch our educational videos to learn more about life settlements, how the process works, and how Abacus Life can help you unlock the value of your life insurance policy. [Free Life Settlement Estimate](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) Watch & Learn ## Educational Videos Our video library covers everything you need to know about life settlements — from the basics to real policyholder experiences. ![What Is a Life Settlement - Abacus Life](https://vumbnail.com/1096950107.jpg) Overview ### What Is a Life Settlement? A life settlement is the sale of an existing life insurance policy to a third party for more than its cash surrender value, but less than its net death benefit. Watch this overview to learn how the process works and whether your policy may qualify. ![Life Settlement Education - Abacus Life](https://vumbnail.com/788036813.jpg) Educational ### Life Settlements Explained Learn more about life settlements, who qualifies, and how Abacus Life can help you unlock the hidden value in your life insurance policy. ## Ready to Find Out What Your Policy Is Worth? Use our free calculator or speak with a specialist today. [Life Settlement Calculator](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) Continue Learning ## Explore More Resources [ The Basics### Life Settlement Guide Everything you need to know about how life settlements work, who qualifies, and what to expect. Read the Guide → ](/learn-how-life-settlements-work/) [ Industry History### Timeline of Life Settlements Explore the century-long history of the life settlement industry, from the 1911 Supreme Court ruling to today. View Timeline → ](/timeline-of-life-settlements/) [ Get Started### Policy Calculator Use our free, no-obligation Life Settlement Calculator to get an estimate within 24-48 hours. Get My Estimate → ](/qualify-a-life-settlement/) --- ### [Traditional Life Settlement Option | Abacus Life](https://abacuslifesettlements.com/traditional/) **Published:** July 11, 2019 **Author:** Admin **Content:** Traditional Life Settlement \| Abacus Life Settlements Life Settlement Options  ·  Option 01 The Most Common Settlement: # Traditional Life *Settlement* Sell your entire life insurance policy for a cash lump sum — above the surrender value, below the death benefit — with no further premium obligations. The most straightforward way to unlock the value of an unneeded policy. [Get My Free Estimate](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148)  The Basics ## What Is a Traditional Life Settlement? A traditional life settlement is the sale of an existing life insurance policy to a third-party buyer (a licensed provider like Abacus Life) for a **cash payment greater than the policy's surrender value, but less than its full death benefit**. Once the transaction is complete, the buyer assumes ownership of the policy and takes over 100% of all future premium payments. The original policyholder receives their cash payment and has no further obligations or claims on the policy. This is the most common type of life settlement and is typically the first option that comes to mind. It provides immediate liquidity with no strings attached — **there are no restrictions on how you use the proceeds**. ### Who is it best for? The traditional life settlement is ideal for policyholders who: - No longer need life insurance coverage - Are burdened by ongoing premium payments - Need immediate cash for medical expenses, retirement, or other goals - Have outlived the original purpose of the policy (e.g., dependent children are grown) - Are considering lapsing or surrendering a policy for its cash value [Check My Eligibility](/qualify-a-life-settlement/) [Compare All Options →](/life-insurance-options/) ### Key Facts You Receive A **cash lump sum** above surrender value — paid at closing. Typically 10–80% of the policy's face value. Buyer Assumes **All future premium payments** from the date of settlement forward. Your Obligations **None.** No further payments, claims, or responsibilities once the sale closes. Use of Proceeds **Unrestricted.** Medical bills, travel, retirement, debt payoff — anything you choose. The Process ## How a Traditional Settlement Works From your first inquiry to cash in hand, the Abacus process is straightforward and typically takes 60–90 days. 01 #### Submit Your Policy Information Use our free online calculator or call us. We'll collect basic details about your policy, health, and financial goals. 02 #### Receive Your Offer Abacus delivers a no-obligation offer within 24–48 hours of receiving your information. There is never any pressure to accept. 03 #### Review & Accept Review your offer with your financial advisor or family. If you accept, we handle all paperwork and work directly with your insurer. 04 #### Receive Your Cash Once the policy transfer is complete, your lump-sum payment is deposited. Use the funds however you choose — no restrictions. Real Stories ## Traditional Settlement in Action Robert called us with a binder full of research on his policy options. He had his questions prepared and very clear goals on what he wanted to accomplish financially with his policy. Before we even started speaking about Abacus potentially purchasing his policy we went over everything from surrendering his policy to alternative funding options. "I was deeply in debt and my life insurance payments were becoming a financial burden. I read about viatical settlements and did my research. I checked with numerous companies about a multitude of different ways of selling my life insurance plan. Abacus Life was by far the best deal for me. Not only were they able to come in several weeks after the process started with other companies and still generate an offer faster than anyone else, they even advanced a part of my settlement." Robert and his wife took a dream national park trip with their advance and were able to purchase a cabin and catch up on all of their debts and medical bills with their funds. **Abacus offered Robert $275,000 in cash.** ### Why Surrender Value Isn't Enough The cash surrender value offered by your insurance company is almost always a fraction of what a life settlement can provide. Life settlements are priced based on actuarial factors — including your age, health, and remaining life expectancy — not just the policy's internal accounting value. On average, policyholders who work with Abacus receive **6–8× more than the surrender value** they would have received from their insurer. Traditional Settlement Case Study Robert, Age 82 $500,000 Universal Life PolicyAbacus Offer $275,000 Cash > "Abacus Life was by far the best deal for me. Not only were they able to come in several weeks after the process started with other companies and still generate an offer faster than anyone else, they even advanced a part of my settlement." Robert and his wife took a dream national park trip with their advance and were able to purchase a cabin and catch up on all of their debts and medical bills with their funds. What's Included ## Everything You Get with a Traditional Settlement A traditional life settlement with Abacus is a clean, complete transaction. Here is exactly what to expect: - **Immediate cash lump sum** — typically 10–80% of the policy's face value, paid at closing. - **All future premiums paid by the buyer** — zero ongoing financial obligation for you. - **No restrictions on how you use the proceeds** — spend it however it benefits you most. - **Advance payment available** — in qualifying cases, you may receive a portion of your offer before closing. - **No obligation to accept** — receive your offer and take as much time as you need to decide. - **HIPAA-certified privacy** — your health and financial information is always protected. - **Licensed in 49 states** — Abacus Life is fully licensed and 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. $1.2B+ Paid to policyholders since 2017 24–48 hrs Initial offer turnaround for qualifying policies A+ Better Business Bureau rating ### Unsure Which Settlement Type Is Right for You? Compare all three options side by side — Traditional, Retained Death Benefit, and Hybrid. [Compare All Options](/life-insurance-options/) Your Choices ## Traditional vs. Other Settlement Options The traditional settlement isn't right for everyone. Here's a quick comparison to help you choose. You Are Here Option 01 #### Traditional Sell your full policy for maximum cash now. No death benefit is preserved. Best when you need liquidity and no longer need to provide for beneficiaries. Option 02 #### Retained Death Benefit No cash payment, but your beneficiaries retain a guaranteed percentage of the death benefit. Premium payments are eliminated immediately. Option 03 #### Hybrid A combination — receive a partial cash payment now, and your beneficiaries retain a guaranteed portion of the death benefit. [See Full Comparison](/life-insurance-options/) ## Find Out What Your Policy Is Worth Get a free, no-obligation estimate in under 5 minutes. No impact on your credit or coverage. [Life Settlement Calculator](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) Keep Exploring ## Related Resources [ All Options### Settlement Options Guide Compare all three settlement types — Traditional, Retained Death Benefit, and Hybrid — side by side. Compare Options → ](/life-insurance-options/) [ Option 02### Retained Death Benefit Eliminate premiums while keeping a guaranteed percentage of the death benefit for your beneficiaries. Learn More → ](/retained-death-benefit-rdb/) [ Full Guide### How Life Settlements Work New to life settlements? Start here for a complete overview of the process, eligibility, and what to expect. Read the Guide → ](/learn-how-life-settlements-work/) --- ### [Timeline Of Life Settlements](https://abacuslifesettlements.com/timeline-of-life-settlements/) **Published:** March 8, 2021 **Author:** Admin **Content:** Timeline of Life Settlements \| Abacus Life Abacus Life Learning Center Industry History: # Timeline of *Life Settlements* Life settlements have grown from a century-old legal concept into a trusted financial option. As a leader in the industry, Abacus Life offers policyholders a clear and reliable way to unlock the value of their life insurance. [Free Life Settlement Estimate](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) From 1911 to Today ## A Century of Life Settlements From a landmark Supreme Court ruling to a publicly traded company on the NYSE, here is how the life settlement industry has evolved. The Legal Foundation ### Grigsby v. Russell The U.S. Supreme Court established life insurance policies as private property in *Grigsby v. Russell, 222 U.S. 149*. This opened the possibility for policies to be bought, sold, and traded just like any other high-value asset — laying the early groundwork for life settlement options. 1911 1980s The Viatical Era ### An Industry Takes Shape Starting in the late 1980s, life insurance options were largely seen in the form of viatical settlements — the sale of a policy by a person facing terminal illness. Most individuals at that time were facing cancer or HIV/AIDS. By the mid-1990s, the range of life insurance options had broadened and was being considered by individuals facing nearly every type of serious illness. Institutional Interest ### Major Institutions Take Notice Increasing investor interest in life insurance options as an alternative investment continued to grow. By 2001, what was once a small industry had started to attract the interest of major financial institutions. 2001 2004 Abacus Life is Founded ### Our Story Begins A group of financial and insurance professionals who met in the mid-1990s in New York's financial district came together to form what is now Abacus Life. Their mission: to ensure more individuals had access to life insurance options. Financial Crisis ### Industry Headwinds The industry was not immune to the financial crash of 2008. Major banks and financial institutions pulled back from non-core investing, which caused demand for the option to lessen for a time. 2009 2010 Recovery & Expansion ### Confidence Returns Funding confidence bounced back around 2010, which opened the door for many life insurance buyers to expand operations and grow the market once again. Consumer Protection ### State Regulations Enacted U.S. states began enacting important safeguards, including disclosure requirements and improved regulations to ensure the safety and legitimacy of life insurance options for all policyholders. 2015 2020 Abacus Growth ### 50 Employees, 47 States Abacus grows to 50 home-office employees and is authorized to purchase policies in 47 states, offering complete back-office support in APS retrieval, life expectancy evaluation, pre-pricing, and producer licensing. Abacus Growth ### Nearly 60 Employees, 49 States Abacus Life has continued to grow and lead the industry. With nearly 60 employees, Abacus is now licensed to purchase life insurance in 49 states. 2022 2023 Industry First ### First Publicly Traded Life Settlement Company Abacus Life becomes the first and only publicly traded life settlement company in the United States, a landmark milestone for the entire industry. Strategic Acquisitions ### $3 Billion in Assets Under Management Abacus acquired both Carlisle Management Company S.C.A. and FCF Advisors, bringing assets under management to nearly $3 billion. The Carlisle acquisition provides ABX with a presence in international markets, transforming the company from a U.S. leader to a global player. FCF Advisors expands the product suite with thematic free cash flow investments and over 50 customizable index strategies across 8 global categories. 2024 2025 ✦  NYSE: ABX ### Trading on the New York Stock Exchange Abacus Life begins trading on the New York Stock Exchange under the ticker symbol **ABX** — the only publicly traded life settlement company in the U.S., bringing full accountability and transparency to policyholders and investors alike. ## Learn More About Your Life Settlement Options Call us today or use our Life Settlement Calculator to see how much your policy could be worth. [Life Settlement Calculator](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) Continue Learning ## Explore More Resources [ The Basics### Life Settlement Guide Everything you need to know about how life settlements work, who qualifies, and what to expect. Read the Guide → ](/learn-how-life-settlements-work/) [ Real Clients### Success Stories Read real case studies from policyholders who received life-changing payouts through Abacus. View Case Studies → ](/case-studies/) [ Get Started### Policy Calculator Use our free, no-obligation Life Settlement Calculator to get an estimate within 24-48 hours. Get My Estimate → ](/qualify-a-life-settlement/) --- ### [Life Settlement Success Stories | Abacus Life](https://abacuslifesettlements.com/case-studies/) **Published:** January 20, 2020 **Author:** Admin **Content:** Abacus Life Settlement Success Stories \| Abacus Life Settlements Abacus Life Settlements Real People, Real Results: # Abacus Life *Success Stories* At Abacus Life, we believe every policy owner deserves to know the true value of their life insurance. These are the stories of real clients who unlocked that value — and what they did with it. [Get My Free Estimate](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) Abacus by the Numbers**6–8×**average payout vs. cash surrender value **$10B+**in policy face value purchased **20+**years as an industry leader **A+**BBB rating with full transparency **6–8×**More Than Cash Surrender Value **$10B+**Policy Face Value Purchased **20+**Years Leading the Industry **A+**Better Business Bureau Rating Featured Case Studies ## Client Success Stories Our clients average **6–8 times** the policy's cash surrender value. Here are just a few of the people Abacus has been proud to serve. Traditional Settlement William, 84 Wayne, New Jersey ![William](https://abacuslifesettlements.com/wp-content/uploads/2026/05/Abacus-FCF-Meet-LinkedIn-Post-1200-x-1200px-2.png) Policy Face Value $5,000,000 Abacus Settlement Offer $1,200,000 Traditional Life Settlement "Amy and her father William never realized the policy they almost surrendered was worth double what the insurance company was offering." William, 84, and his daughter Amy were considering surrendering their $5,000,000 life insurance policy back to the insurance company for a fraction of its worth. When they discovered the life settlement market, everything changed. With William's age and medical history working in their favor, Abacus was able to offer **$1,200,000** — double what the insurance company had offered as a cash surrender value — returning real wealth to the family. [Read William's Full Story →](/meet-william/) Hybrid Settlement Sandra, 79 Bakersfield, California ![Sandra](https://abacuslifesettlements.com/wp-content/uploads/2026/05/Meet-Sandra-Photo.png) Policy Face Value $200,000 Abacus Hybrid Settlement $110,000 Hybrid Settlement "Sandra was drowning in premium payments she could no longer afford. Abacus gave her a lifeline — cash in hand, and peace of mind for her family." Sandra came to us struggling under the weight of high monthly insurance premiums — more than $2,200 a month — and was in need of additional resources to help with family issues. She considered letting her policy lapse, but then learned she had other choices. Through Abacus's hybrid option, we helped Sandra maintain her policy while giving her an infusion of cash. Abacus quickly paid her premiums to keep the policy current, so her beneficiaries will still receive benefits — and Sandra received **$110,000** to help with medical care and family needs. [Read Sandra's Full Story →](/meet-sandra/) More Client Stories ## More Ways Abacus Has Helped Every situation is different. These clients found financial freedom through a variety of settlement options. Traditional Settlement Robert, Age 82 $500,000 Universal Life Policy Abacus Offer: $275,000 Robert called us with a binder full of research and very clear goals. Deeply in debt with premium payments becoming a burden, he researched his options thoroughly. Abacus came in weeks after other companies started and still generated an offer faster than anyone else — even advancing part of his settlement. Robert and his wife used the funds to take a dream national park trip, purchase a cabin, and pay off all their debts. [Read Robert's Story →](https://abacuslifesettlements.com/traditional/) Retained Death Benefit Terri, Age 64 $10,000,000 Policy $3,000,000 in Retained Benefit Terri was suddenly faced with a stage IV cancer diagnosis while her husband lost his job after three decades of service. They needed financial options — fast. Abacus walked Terri through every available option so she could make the best decision for her family. "Abacus kept me informed throughout the entire process," she said. The settlement allowed Terri and her husband to pay off their mortgage and focus on her cancer treatment. [Read Terri's Story →](https://abacuslifesettlements.com/retained-death-benefit-rdb/) Hybrid Settlement Violet, Age 93 $750,000 Universal Life Policy $150,000 Cash + $400,000 Retained Benefit After several bad experiences with other companies, Violet was skeptical — until she met Shane at Abacus. Shane walked her through the entire process with patience, honesty, and transparency. "Shane made everything extremely easy for me. 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." [Read Violet's Story →](https://abacuslifesettlements.com/hybrid/) Settlement Options ## Which Option is Right for You? There are three ways to unlock the value of your policy. Each is designed for a different set of goals. [ Option 01### Traditional Sell your entire policy for a lump-sum cash payment above the surrender value with no future premium obligations. ](/traditional/) [ Option 02### Retained Benefit Stop paying premiums and keep a guaranteed percentage of your death benefit for your beneficiaries. ](/retained-death-benefit-rdb/) [ Option 03### Hybrid Receive a cash payment today while your beneficiaries still receive a guaranteed portion of the death benefit. ](/hybrid/) ## Ready to Discover the Value of Your Policy? Join the thousands of clients who've unlocked hidden wealth in their life insurance policies. [Life Settlement Calculator](/qualify-a-life-settlement/) [How It Works](/how-to-sell-your-life-insurance-policy/) --- ### [Retained Death Benefit (RDB) | Abacus Life](https://abacuslifesettlements.com/retained-death-benefit-rdb/) **Published:** June 22, 2020 **Author:** Admin **Content:** Retained Death Benefit (RDB) \| Abacus Life Settlements Life Settlement Options  ·  Option 02 Protect Your Loved Ones: # Retained Death *Benefit (RDB)* Eliminate your premium payments entirely while keeping a guaranteed percentage of your policy's death benefit for your beneficiaries. No cash now — but your loved ones stay protected. [Get My Free Estimate](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148)  The Basics ## What Is a Retained Death Benefit? A **Retained Death Benefit (RDB)** is a life settlement option that allows the policy owner to retain a guaranteed percentage of their life insurance policy's death benefit — instead of receiving a cash-only lump sum. When an RDB offer is accepted, the buyer takes over **100% of all future premium payments**. You pay nothing more. In exchange, you give up a portion of the death benefit — but your beneficiaries are guaranteed to receive the remaining percentage when the insured passes. This option is ideal for policyholders who want to **eliminate the financial burden of premiums** while still leaving a meaningful legacy for their family or loved ones. ### Who is it best for? The RDB is ideal for policyholders who: - Want to stop paying premiums but still protect beneficiaries - Do not have an immediate need for cash - Have a primary goal of leaving a legacy or inheritance - Are facing a life change — illness, retirement, or reduced income - Would otherwise surrender or let a policy lapse [Check My Eligibility](/qualify-a-life-settlement/) [Compare All Options →](/life-insurance-options/) ### Key Facts Cash Payment **None.** The RDB is not a cash settlement — the benefit is eliminating premiums and protecting beneficiaries. Buyer Assumes **All future premium payments** from the date of settlement forward. Beneficiaries Receive **A guaranteed percentage** of the death benefit — paid tax-free upon the insured's passing. Your Obligations **None.** No further payments, claims, or responsibilities once the settlement closes. The Process ## How a Retained Death Benefit Works The RDB process follows the same straightforward steps as a traditional settlement — with one key difference at the end. 01 #### Submit Your Policy Information Use our free online calculator or call us. We collect details about your policy, health, and goals — no commitment required. 02 #### Receive Your RDB Offer Abacus delivers a no-obligation offer within 24–48 hours, showing the guaranteed percentage your beneficiaries would retain. 03 #### Review & Accept Review the offer with your family or advisor. If you accept, we handle all paperwork and coordinate with your insurer. 04 #### Premiums Stop. Legacy Secured. Once the transfer is complete, you pay nothing more. Your beneficiaries' guaranteed payout is locked in for the future. Real Stories ## RDB in Action Terri was suddenly faced with the unthinkable: First, she received a diagnosis of stage IV cancer. Shortly after, Terri's husband lost his job after three decades of dedicated service. They needed financial options to face these devastating life changes, and they needed them quickly. While researching online, Terri learned that selling her life insurance policy could be an option for relief and decided to work with us to help her through this extremely difficult time. "Abacus had a solid reputation without any negative consumer ratings," said Terri. We guided Terri through the process, walking her through the numbers, and the numbers behind the numbers, so she understood all available options and could make the best decision possible for her family. "Abacus kept me informed throughout the entire process with constant updates every step of the way," Terri said. "Because of their professionalism and knowledge, I found the experience to be less stressful than I had originally feared." By working with us to sell her life insurance policy, Terri and her husband were able to pay off the remaining mortgage left on their home, giving Terri the financial freedom to concentrate on her cancer treatment and spend more time with her family. Retained Death Benefit Case Study Terri, Age 64 $10,000,000 PolicyRetained Benefit $3,000,000 > "I would recommend Abacus to anyone who is coping with a life-changing event like cancer and needs to make tough financial decisions to improve their quality of life. They treated me like a real person and I truly felt Abacus had my best interests in mind." Terri's settlement eliminated her premium burden entirely while keeping $3,000,000 guaranteed for her family — giving her the freedom to focus on her health and her loved ones. What's Included ## Everything You Get with an RDB Settlement A Retained Death Benefit settlement with Abacus is a clean, complete transaction that protects what matters most. - **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** — receive your offer and take as much time as you need to decide. - **HIPAA-certified privacy** — your health and financial information is always protected. - **Initial offer within 24–48 hours** for qualifying policies. - **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. $1.2B+ Paid to policyholders since 2017 24–48 hrs Initial offer turnaround for qualifying policies A+ Better Business Bureau rating ### Unsure Which Settlement Type Is Right for You? Compare all three options side by side — Traditional, Retained Death Benefit, and Hybrid. [Compare All Options](/life-insurance-options/) Your Choices ## RDB vs. Other Settlement Options The RDB isn't right for everyone. Here's a quick comparison to help you choose. Option 01 #### Traditional Sell your full policy for maximum cash now. No death benefit is preserved. Best when you need liquidity and no longer need to provide for beneficiaries. You Are Here Option 02 #### Retained Death Benefit No cash payment, but premiums are eliminated and beneficiaries keep a guaranteed percentage of the death benefit. Option 03 #### Hybrid A combination — receive a partial cash payment now, and your beneficiaries retain a guaranteed portion of the death benefit. [See Full Comparison](/life-insurance-options/) ## Protect Your Family Without the Premium Burden Find out if a Retained Death Benefit is right for you — free, no obligation. [Life Settlement Calculator](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) Keep Exploring ## Related Resources [ Option 01### Traditional Settlement Sell your full policy for a cash lump sum above surrender value. No further premium obligations. Learn More → ](/traditional/) [ Option 03### Hybrid Settlement Receive a partial cash payment now and keep a guaranteed death benefit percentage for your beneficiaries. Learn More → ](/hybrid/) [ Full Guide### How Life Settlements Work New to life settlements? Start here for a complete overview of the process, eligibility, and what to expect. Read the Guide → ](/learn-how-life-settlements-work/) --- ### [Privacy Policy | Abacus Life](https://abacuslifesettlements.com/privacy-policy/) **Published:** January 8, 2019 **Author:** Admin **Content:** Privacy Policy \| Abacus Life \| Abacus Life Settlements Legal & Compliance # Privacy Policy How Abacus Life collects, uses, and protects your personal information when you use our website and services. About This Policy Abacus Settlements, LLC (Abacus Life is a DBA of Abacus Settlements, LLC.) ("us", "we", or "our") operates the <https://abacuslifesettlements.com/> website (the "Service"). This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data. We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used here have the same meanings as in our Terms and Conditions, accessible from <https://abacuslife.com/> Effective date: January 08, 2016 Active Policy Types of Data Collected ## What We Collect ### Personal Data While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). This may include, but is not limited to: - Email address - First name and last name - Phone number - Cookies and Usage Data ### Usage Data We may also collect information on how the Service is accessed and used ("Usage Data"). This may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers, and other diagnostic data. ### Tracking & Cookies Data We use cookies and similar tracking technologies to track the activity on our Service and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service. - **Session Cookies.** We use Session Cookies to operate our Service. - **Preference Cookies.** We use Preference Cookies to remember your preferences and various settings. - **Security Cookies.** We use Security Cookies for security purposes. Use of Data ## How We Use Your Information Abacus Life uses the collected data for the following purposes: - To provide and maintain the Service - To notify you about changes to our Service - To allow you to participate in interactive features of our Service when you choose to do so - To provide customer care and support - To provide analysis or valuable information so that we can improve the Service - To monitor the usage of the Service - To detect, prevent, and address technical issues Transfer of Data ## Where Your Data Goes Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those in your jurisdiction. If you are located outside the United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to the United States and process it there. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. Abacus Life will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy. No transfer of your Personal Data will take place to an organization or country unless there are adequate controls in place, including the security of your data and other personal information. Disclosure of Data ## When We Share Your Data ### Legal Requirements Abacus Life may disclose your Personal Data in the good faith belief that such action is necessary to: - Comply with a legal obligation - Protect and defend the rights or property of Abacus Settlements, LLC - Prevent or investigate possible wrongdoing in connection with the Service - Protect the personal safety of users of the Service or the public - Protect against legal liability Security of Data ## How We Protect Your Data The security of your data is important to us. While we strive to use commercially acceptable means to protect your Personal Data, please remember that no method of transmission over the Internet or method of electronic storage is 100% secure, and we cannot guarantee its absolute security. Service Providers ## Third-Party Partners We may employ third-party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services, or to assist us in analyzing how our Service is used. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose. ### Analytics **Google Analytics** is a web analytics service offered by Google that tracks and reports website traffic. You can opt out of having your activity on the Service available to Google Analytics by installing the [Google Analytics opt-out browser add-on](https://tools.google.com/dlpage/gaoptout). For more information on the privacy practices of Google, please visit the [Google Privacy & Terms](https://policies.google.com/privacy?hl=en) page. Links to Other Sites ## External Links Our Service may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. Children's Policy ## Protection of Minors Our Service does not address anyone under the age of 18 ("Children"). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and believe your child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers. Policy Changes ## Updates to This Policy We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and will let you know via email and/or a prominent notice on our Service prior to the change becoming effective, and update the "effective date" at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page. Contact Us ## Get in Touch If you have any questions about this Privacy Policy, please reach out to our team: [ Email info@abacuslife.com ](mailto:info@abacuslife.com) [ Phone 800-561-4148 ](tel:8005614148) \*Abacus Life is a DBA of Abacus Settlements, LLC. ## Questions? We’re Here to Help. Learn more about your life insurance options or get a free, no-obligation policy estimate. [Free Policy Estimate](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) --- ### [Life Insurance Policy Valuation | Abacus Life](https://abacuslifesettlements.com/policy-valuation/) **Published:** September 14, 2020 **Author:** Admin **Content:** Policy Valuation \| Abacus Life Settlements For Financial Advisors & Agents Complimentary Service: # Life Insurance *Policy Valuation* Discover the true market value of your client's life insurance policy with a complimentary fair market valuation from Abacus Life. - Complimentary policy valuation - 24–48 hour turnaround - No obligation to sell - Direct access to institutional buyers - Transparent market-based pricing [Try Our Policy Valuation Calculator](https://abacuslifesettlements.com/calculate/) [Call 800-561-4148](tel:8005614148) The Case for Regular Reviews ## Why Policy Reviews Matter Life insurance policies are often purchased years or even decades before they are reevaluated. Over time, changes in policy performance, premium requirements, and client financial goals may impact whether the policy continues to serve its intended purpose. Regular policy reviews allow advisors to ensure that coverage remains aligned with their clients' evolving financial needs. A policy valuation can help uncover opportunities that many policyholders never realize exist. **Common Reasons to Conduct a Policy Review:** Rising cost-of-insurance charges Changes in estate planning goals Policy funding adequacy concerns Business succession planning Carrier rating changes Evaluating policy replacement options Policy maturity risks Optimizing retirement cash flow By reviewing a policy's fair market value, advisors can provide clients with a more complete understanding of their available financial options. Get Started Today ### Request a Complimentary Valuation Submitting a policy for review takes only minutes. Our team will analyze your client's policy and return a fair market valuation within 24–48 hours — at no cost and with no obligation to sell. Already have policy details on hand? Use our online calculator for an instant preliminary estimate. [Try Our Policy Calculator](https://abacuslifesettlements.com/calculate/) How It Works ## Our Fair Market Valuation Process Abacus Life has streamlined the policy valuation process so advisors can quickly determine whether a policy may have value in the secondary market. 1 ### Submit Policy Information Provide basic policy details to get started. Our team only needs a few key items to begin the evaluation: - Current policy illustration - Carrier information - Face value - Basic health information for the insured 2 ### Underwriting Analysis Our team conducts a comprehensive review to determine potential value within the life settlement marketplace: - Life expectancy analysis - Policy economics review - Real-time impairment and underwriting assessment 3 ### Receive Your Valuation Within 24–48 hours, advisors receive a fair market valuation that reflects current secondary market pricing for comparable policies. This valuation helps determine whether the policy may qualify for life settlement opportunities or other financial planning strategies. 4 ### Review Client Options If the policy qualifies, our team will walk you through potential options available to your client, including settlement structures and next steps. There is never any pressure or obligation — our goal is simply to ensure your client has the full picture. The Abacus Advantage ## Why Advisors Work with Abacus Life Abacus Life is one of the largest vertically integrated buyers in the life settlement industry, providing advisors with direct access to institutional capital. ### Direct Buyer Model We purchase policies directly, eliminating unnecessary intermediary fees. Unlike many intermediaries, our direct buyer model allows us to offer competitive market pricing and faster transaction timelines. ### Institutional Capital Access We manage billions in policy face value and work with some of the largest sources of capital in the life settlement market, ensuring your clients receive the best possible offers. ### Fast Valuation Process Our team delivers policy valuations within 24–48 hours. We know your clients' time is valuable, so we've built our process to deliver clear answers quickly — with no runaround. ### Advisor-Focused Process Our team works directly with financial professionals to ensure transparency and clarity throughout the evaluation process. Our goal is to help advisors maximize value while ensuring clients fully understand their available options. NYSE: ABX As the first and only publicly traded life settlement company in the United States, Abacus Life operates with a level of transparency and accountability that no other buyer in the market can match. Estimate Policy Value ## Estimate the Value of a Life Insurance Policy Our life settlement calculator provides a quick estimate of a policy's potential market value based on key factors. This tool helps advisors determine whether a policy may qualify for a more detailed valuation. **Key factors used in the estimate:** Age of the insured Face value Policy type Health status [Try Our Life Settlement Calculator](https://abacuslifesettlements.com/calculate/) ### Policy Valuation Calculator Get a preliminary estimate in minutes. No personal information required to see if your client's policy may qualify. [Start Calculator →](https://abacuslifesettlements.com/calculate/) Begin the Process ## Ready to Start a Policy Valuation? Submitting a policy for evaluation is simple. To begin the process, our team collects basic medical and policy information to determine whether the policy may qualify for a life settlement evaluation. **Required documents include:** - Policy illustration - Policy details and carrier information - Basic health information for the insured - Authorization forms if a full review is requested To begin the process, simply click below and send our team the policy details for review. No Obligation • Free of Charge ### Submit a Policy Today Email our team the policy details and we'll return a fair market valuation within 24–48 hours. There's no cost and no commitment required. [Email Us to Submit a Policy](mailto:info@abacuslife.com)or [Call 800-561-4148](tel:8005614148) ## Learn More About Your Life Settlement Options Call us today or use our Life Settlement Calculator to see how much your policy could be worth. [Life Settlement Calculator](https://abacuslifesettlements.com/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) Continue Learning ## Explore More Resources [ For Advisors### Brokers & Agents Learn how Abacus Life partners with financial professionals to provide best-in-class life settlement services for their clients. Learn More → ](https://abacuslifesettlements.com/brokers-agents/) [ The Basics### Life Settlement Guide Everything you need to know about how life settlements work, who qualifies, and what to expect during the process. Read the Guide → ](https://abacuslifesettlements.com/learn-how-life-settlements-work/) [ Get Started### Policy Calculator Use our free, no-obligation Life Settlement Calculator to get an estimate for your client's policy within 24–48 hours. Get My Estimate → ](https://abacuslifesettlements.com/qualify-a-life-settlement/) --- ### [Selling Your Life Insurance Policy | Abacus Life](https://abacuslifesettlements.com/policy-sellers/) **Published:** April 21, 2014 **Author:** Admin **Content:** Policy Sellers \| Options \| Abacus Life Settlements Abacus Life — Policy Sellers Your Policy. Your Choice. # Selling Your *Life Insurance Policy* As one of the nation’s most experienced and respected life insurance purchasers, we are here to personally assist you every step of the way — helping you choose the right option for you and your family. [Free Policy Estimate](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) Your Rights as a Policyholder ## Your Policy Is Personal Property Our goal is to inform you of your options, and help you choose the right one for you and your family — whatever that may be. Our team of experts work every day with people just like you to help them create a financially comfortable future. [Speak to a Live Representative](tel:8005614148) U.S. Supreme Court — 1911 > “Life insurance policies are established as personal property — just like any other high-value asset.” Grigsby v. Russell, 222 U.S. 149 — You have the right to sell all or part of your policy. Common Situations ## Why Would I Sell My Life Insurance Policy? There are many valid reasons to consider selling all or a portion of your policy. Here are the most common situations our clients face. 1 ### You Can No Longer Afford Premiums Changes in the insurance market, poor policy performance, rising medical bills, assisted living costs, or legal expenses may strain your budget. Most life insurance policies simply lapse — and all the funds you invested in premiums are kept by the insurance company. The financially smarter option is often to sell all, or part, of your policy for a cash amount far higher than the surrender value. 2 ### Funds Are Needed for Medical Care or Other Expenses If you’re facing significant expenses such as cancer treatment, assisted living, or other medical costs, a life settlement can provide a lump-sum payment to help cover them. There are no restrictions on how the funds are used — whether for care, debt relief, or personal goals, the money is yours to use as needed. 3 ### You Want to Re-Invest Your Policy’s Equity You may want to recapture the dollars you have paid over the years and invest them in a new avenue — a new business, purchasing a home, paying off a debt or tax liability, purchasing an income-generating annuity, or any other opportunity where the equity built in your policy could better serve you. 4 ### Your Life Circumstances Have Changed As we move through the various stages of life, many individuals find they simply no longer need a life insurance policy. Divorce, retirement, the absence of an estate tax burden, or your beneficiaries no longer needing the policy benefits are all common life changes that lead policyholders to explore a settlement. ## Ready to Explore Your Options? Use our confidential Online Options Tool or call us to speak to a live representative today. [Life Settlement Calculator](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) Continue Learning ## Explore Your Options [ The Basics### How Life Settlements Work Everything you need to know about the process, who qualifies, and what to expect at every step. Read the Guide → ](/learn-how-life-settlements-work/) [ Real Clients### Success Stories Read real case studies from policyholders who received life-changing payouts through Abacus. View Case Studies → ](/case-studies/) [ Get Started### Policy Calculator Use our free, no-obligation Life Settlement Calculator to get an estimate within 24-48 hours. Get My Estimate → ](/qualify-a-life-settlement/) --- ### [One-Step Life Settlement Calculator | Abacus Life](https://abacuslifesettlements.com/qualify-a-life-settlement/) **Published:** July 13, 2016 **Author:** Admin **Content:** One-Step Life Settlement Calculator \| Abacus Life Free — No Obligation Life Settlement Calculator: # How Much Is Your *Policy Worth?* Find out in minutes. Abacus Life has helped thousands of policyholders unlock the hidden value in their life insurance — often receiving six to eight times more than the cash surrender value. [Call 800-561-4148](tel:8005614148) [Watch Our Commercial](#video) You may qualify if… - Your policy face value is $100,000 or more - The insured is typically age 65 or older - You hold a universal, whole, or convertible term policy - The policy has been in force for 2 or more years - There has been some change in health since issuance One-Step Calculator Licensed in 49 States NYSE: ABX — Publicly Traded Response Within 24–48 Hours No Cost, No Obligation About Abacus Life ## See How We Help Policyholders Unlock the Value of Their Life Insurance Life insurance is one of the most valuable assets you own — yet millions of Americans surrender their policies every year for pennies on the dollar, or simply let them lapse. As the first publicly traded life settlement company in the United States (NYSE: ABX), Abacus Life brings transparency, accountability, and financial strength that no other buyer can match. Watch our 60-second commercial to learn more. 6–8× More than cash surrender value 49 States licensed ~$3B Assets under management 2004 Year founded The Process ## How a Life Settlement Works Selling your life insurance policy is simpler than you think. Abacus handles the entire process from start to finish. 01 ### Submit Your Information Complete the one-step form above or call us. We’ll gather basic information about your policy and health status. 02 ### Receive a Free Estimate Within 24–48 hours, an Abacus specialist will contact you with a preliminary estimate of your policy’s market value. 03 ### Review Your Offer If you’d like to proceed, we obtain your medical records and life expectancy reports to finalize a formal offer. No obligation at any stage. 04 ### Receive Your Payout Once you accept an offer, ownership is transferred and you receive a lump-sum cash payment — typically six to eight times the cash surrender value. Common Questions ## Frequently Asked Questions ### What is a life settlement? A life settlement is the sale of an existing life insurance policy to a third party for more than its cash surrender value, but less than its net death benefit. The buyer assumes future premium payments and receives the death benefit when the insured passes away. ### How much more will I get versus surrendering to my insurance company? On average, policyholders who complete a life settlement receive six to eight times more than they would receive from their insurance company’s cash surrender value. The exact amount depends on your age, health, and policy terms. ### Is my personal and medical information kept confidential? Absolutely. Abacus Life treats all personal, financial, and medical information with strict confidentiality. Your information is never sold to third parties and is protected by our privacy policy at all stages of the process. ### How long does the life settlement process take? The timeline varies by case, but most life settlements are completed within 60 to 120 days from the initial application. Abacus Life’s experienced team works efficiently to move your case forward as quickly as possible. ### Are life settlements regulated? Yes. Life settlements are regulated at the state level, and Abacus Life is licensed in 49 states. State regulations provide important consumer protections, including required disclosures and anti-fraud provisions. ### What happens to my policy after the sale? After the sale, the new owner (Abacus Life or one of our institutional investors) takes over ownership of the policy and assumes all future premium payments. You receive your lump-sum cash payment and have no further obligations. ## Ready to Find Out What Your Policy Is Worth? It takes less than five minutes and there is absolutely no cost or obligation. [Get My Free Estimate](#calculator) [Call 800-561-4148](tel:8005614148) --- ### [Life Settlement Case Study: Meet William](https://abacuslifesettlements.com/meet-william/) **Published:** March 30, 2021 **Author:** Admin **Content:** Life Settlement Case Study: Meet William \| Abacus Life Client Success Story # Meet *William* 84 years old  •  $5 Million Policy $1.2M Cash Payout $5M Policy Value 2× vs. Surrender Value Family Funds Used For ![Sandra, Abacus Life client](https://abacuslifesettlements.com/wp-content/uploads/2026/05/Abacus-FCF-Meet-LinkedIn-Post-1200-x-1200px-2.png) William Abacus Life Client William and his family decided that a policy was no longer needed for their estate plan and considered surrendering it to the insurance company for a low payback. The policy beneficiary was William’s daughter, Amy, who decided to explore a better option: selling the policy to [Abacus](/about-us/). “Abacus provided a payout that was double the cash surrender amount the insurance company was offering.”  William’s Story — Abacus Life With William’s age and medical history, Abacus provided a payout that was double the cash surrender amount the insurance company was offering, returning $1.2 million back to his family. Amy and her siblings are using the funds to ensure William has excellent care during this portion of his life. Case Details Client Age 84 Policy Value $5,000,000 Solution Life Settlement Cash Received $1,200,000 vs. Surrender 2× More Funds Used For Family Care **Could your policy do the same?** Get a free, no-obligation estimate in 24–48 hours. [Get Your Free Estimate](/qualify-a-life-settlement/) [Read More Stories →](/case-studies/) ## Could You Have a Story Like William’s? Use our free calculator or call us today to find out how much your policy could be worth. [Life Settlement Calculator](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) --- ### [Life Settlement Case Study: Meet Sandra](https://abacuslifesettlements.com/meet-sandra/) **Published:** March 18, 2021 **Author:** Admin **Content:** Life Settlement Case Study: Meet Sandra \| Abacus Life Client Success Story # Meet *Sandra* 79 years old  •  $200,000 Policy $110K Cash Payout $2,200 Monthly Premium Hybrid Solution Type ✓ Benefit Retained ![Sandra, Abacus Life client](https://abacuslifesettlements.com/wp-content/uploads/2026/05/Meet-Sandra-Photo.png) Sandra Abacus Life Client Sandra came to us struggling under the weight of high monthly insurance premiums — more than $2,200 a month — and she was in need of additional resources to help with family issues. To free up capital, she considered letting the policy go, but then learned she had other choices. “She considered letting the policy go — but then learned she had other choices.”  Sandra’s Story — Abacus Life Through a hybrid option [Abacus](/about-us/) provides, we were able to help Sandra maintain the policy while giving her an infusion of cash. Abacus quickly paid her premiums to keep the policy current, so her beneficiaries will still receive benefits from the policy, and Sandra received $110,000 to help with medical care and family needs. Case Details Client Age 79 Policy Value $200,000 Monthly Premium $2,200+ Solution Hybrid Option Cash Received $110,000 Death Benefit Retained ✓ **Could your policy do the same?** Get a free, no-obligation estimate in 24–48 hours. [Get Your Free Estimate](/qualify-a-life-settlement/) [Read More Stories →](/case-studies/) ## Could You Have a Story Like Sandra’s? Use our free calculator or call us today to find out how much your policy could be worth. [Life Settlement Calculator](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) --- ### [Life Settlement Marketing Materials for Advisors](https://abacuslifesettlements.com/marketing-materials/) **Published:** April 22, 2019 **Author:** Admin **Content:** Marketing Materials for Your Business \| Abacus Life Settlements For Advisors & Brokers Resources to Grow Your Practice: # White-Label *Marketing Materials* for Advisors Ready-to-use materials to help you educate clients, uncover hidden policy value, and generate life settlement opportunities. [Request Marketing Materials](mailto:info@abacuslife.com) [Call 800-561-4148](tel:8005614148) Simple 4-Step Process ## How Advisors Use Our Marketing Materials Our white-label marketing materials are designed to help advisors introduce the life settlement conversation in a clear and professional way. These resources simplify complex concepts so clients can better understand the potential value of their life insurance policies. 1 ### Educate Clients on Life Settlements Use our brochures and educational pieces to introduce the concept of selling a life insurance policy. 2 ### Discuss Options With Your Client - Traditional settlement options - Retained benefit options - Hybrid solutions options 3 ### Identify Potential Policy Value Run a policy valuation to determine if the policy may have secondary market value. 4 ### Submit a Case Complete a simple intake form and begin the evaluation process. Client Resources ## Client Marketing Materials These ready-to-use resources help advisors clearly explain the life settlement option to clients and start productive conversations about policy value. Print & Digital ### Client Brochure This professionally designed brochure introduces clients to the concept of life settlements and explains how selling a life insurance policy may provide financial flexibility. The brochure highlights: - How life settlements work - The steps involved in the evaluation process - Common situations where a policy may have value - Real-world examples of policy solutions These materials can be customized with your firm's branding, allowing you to present them as part of your advisory services. [Request Brochure](mailto:info@abacuslife.com) Ready to Send ### Client Email Template Our client email template provides advisors with a simple and professional way to introduce the life settlement option. This template helps you: - Explain what a life settlement is - Describe how policies may generate cash value - Encourage clients to explore their policy options Use the template as part of your outreach strategy or client review process. [Request Email Template](mailto:info@abacuslife.com) Formal Correspondence ### Client Letter Template For advisors who prefer a more formal approach, our client letter template helps communicate the importance of reviewing life insurance policies. This letter highlights that life insurance policies are personal assets that may have value beyond their cash surrender value and encourages clients to explore their available options. [Request Letter Template](mailto:info@abacuslife.com) For Advisors ## Advisor Tools Our advisor resources are designed to help you identify opportunities within your existing client base and uncover policies that may benefit from evaluation. Fair Market Valuation ### Policy Valuation Services A life insurance policy review can reveal important information about policy performance, funding adequacy, and potential market value. Our Fair Market Valuation (FMV) process provides advisors with a quick and reliable estimate of a policy's value in the secondary market. How the Valuation Process Works: 1. 1Submit a policy illustration and basic medical information 2. 2Our team conducts a real-time impairment and risk analysis 3. 3Receive a fair market valuation within **24–48 hours** This service helps advisors determine whether a policy may have value for life settlement, business planning, estate planning, or portfolio restructuring. [Start a Valuation](https://abacuslifesettlements.com/calculate/) Program Spotlight Convert & Cash Out ### Term Rescue Program Many term life insurance policies expire with no value, leaving policyholders with limited options. Our Term Rescue Program helps advisors explore opportunities to convert qualifying term policies into permanent coverage that may be sold for a cash settlement. This program allows advisors to: - Provide additional solutions to clients with expiring coverage - Identify policies that may generate cash value - Turn a potential lapse into a financial opportunity Our streamlined process makes it simple to evaluate term policies and determine whether they qualify. [Evaluate a Term Policy](/calculate/) Get Started ## Start a Policy Review Submitting a policy for evaluation is simple. To begin the process, we collect basic medical and policy information to determine whether the policy may qualify for a life settlement evaluation. Required documents may include: - Life Settlement Questionnaire - Medical Questionnaire - HIPAA Authorization - Life Insurance Information Release - Verification of Coverage Our team will guide you through the process and handle the evaluation on your behalf. ### Discover the Hidden Value in Life Insurance Policies 24–48 hrs Average turnaround for a fair market valuation Request a policy evaluation today and receive a fair market valuation within 24–48 hours. [Submit a Policy Today](/calculate/) [Call 800-561-4148](tel:8005614148) ## Ready to Start Offering Life Settlement Solutions? Request your free white-label materials or call us today to speak with an advisor specialist. [Request Marketing Materials](mailto:info@abacuslife.com) [Call 800-561-4148](tel:8005614148) Continue Exploring ## More Advisor Resources [ Advisor Tool### Agent Calculator Run a quick policy valuation and see estimated case value within 24–48 hours. Use the Calculator → ](/calculate/) [ Partner With Us### Brokers & Agents Learn how partnering with Abacus Life can expand the solutions you offer your clients. Learn More → ](/brokers-agents/) [ Live & On-Demand### Advisor Webinars Join our educational webinars and earn CE credits while learning the latest in life settlements. View Webinars → ](/webinars/) --- ### [Life Settlements for Brokers & Agents](https://abacuslifesettlements.com/brokers-agents/) **Published:** March 20, 2014 **Author:** Admin **Content:** Life Settlement Brokers & Agents \| Abacus Life Settlements Partner with Abacus Life For Brokers & Agents: # Grow Your Business with *Life Settlements* Abacus Life partners with financial advisors, insurance agents, and brokers nationwide to help their clients unlock the hidden value in their life insurance policies — while earning you a competitive referral fee. [Get a Free Estimate](#policy-calculator) [Call 800-561-4148](tel:8005614148) Brokers & Agents ## Why Add Life Settlements to Your Practice? Many of your clients hold life insurance policies they no longer want, need, or can afford. Instead of letting those policies lapse or surrendering them for minimal cash value, a life settlement can provide significantly more — often 6 to 8 times the cash surrender value. As a broker or financial advisor, offering life settlements is one of the most powerful ways to add value for your clients while generating additional revenue for your practice. Abacus Life makes it simple, transparent, and fully supported. **Did you know?** Millions of dollars in life insurance policies lapse each year — often for senior policyholders who don't realize their policy has significant secondary market value. You can change that. $10B+ Policies Purchased 20+ Years of Experience 49 States Licensed Abacus Life is the **first and only publicly traded life settlement company** in the United States (NYSE: ABX) — offering brokers and agents an unmatched level of transparency, credibility, and financial strength. [Get a Free Estimate](#policy-calculator) The Abacus Advantage ## Why Brokers Choose Abacus Life We've built our platform around making life settlement transactions as easy and rewarding as possible for our broker partners. ### Competitive Broker Fees We offer some of the most competitive referral and broker commissions in the industry. When your clients win, you win — and Abacus makes sure both happen. ### Dedicated Support Team Every broker partner is assigned a dedicated account manager who handles the entire transaction from start to finish — so you can focus on your clients. ### Fast, Reliable Closings Our streamlined process and in-house capabilities allow us to close transactions quickly and reliably — giving your clients certainty and you peace of mind. ### Full Back-Office Support We handle APS retrieval, life expectancy evaluations, pre-pricing, and all licensing requirements — so the heavy lifting is done for you. ### Transparent Process As a publicly traded company, Abacus Life operates with an unmatched level of transparency and accountability that your clients and your compliance team will appreciate. ### Licensed in 49 States With licensing across nearly every state, Abacus can serve virtually all of your clients — no matter where they live — with the same high standard of service. Complete Support ## What Abacus Handles For You From initial policy review to final closing, our team manages the entire transaction so you can focus on what you do best. - Initial policy review and pre-pricing at no cost to you or your client - Life expectancy evaluations from top-rated, independent underwriters - APS (Attending Physician Statement) retrieval and medical records management - Policy offer and negotiation on behalf of your client to maximize value - Contract preparation and regulatory compliance in every state - Smooth, fast closing with direct payment to your client - Prompt, accurate broker fee payment upon closing - Ongoing support and education resources for you and your team ### Who Can Refer to Abacus? We partner with a wide range of financial and insurance professionals, including: - Life Insurance Agents & Brokers - Financial Advisors & Planners - Estate Planning Attorneys - CPAs & Tax Professionals - Registered Investment Advisors - Senior Care & Benefits Consultants --- Not sure if you qualify? Contact us — we work with professionals from many backgrounds who serve clients with life insurance needs. [Call 800-561-4148](tel:8005614148) Simple & Fast ## How the Process Works Getting started is easy. Here is what to expect when you refer a client to Abacus Life. 1 ### Submit a Policy Complete our simple online form or call your dedicated account manager to submit a client's policy for review. We'll need basic information about the policy and the insured. 2 ### Free Pre-Pricing Our team conducts a no-cost, no-obligation preliminary evaluation of the policy's market value. We'll give you a realistic range within 24–48 hours so you can set proper expectations with your client. 3 ### Medical Underwriting If your client wants to proceed, we retrieve medical records and order a life expectancy evaluation from a certified underwriter — all handled by our in-house team at no cost to you or your client. 4 ### Receive an Offer Abacus presents a firm purchase offer. Your client has time to review and accept — there's never any pressure. We work transparently so your client feels confident in their decision. 5 ### Close & Get Paid Once accepted, our team handles all paperwork, regulatory filings, and closing logistics. Your client receives their proceeds, and you receive your broker fee — promptly and accurately. Policy Valuation Tool ## How Much Is Your Client's Policy Worth? Use our free Life Settlement Calculator to get a fast, no-obligation estimate of what a client's policy may be worth on the secondary market. You can use this tool to have an informed conversation before ever picking up the phone — and to help your client understand the opportunity in front of them. - No personal information required to get an estimate - Results in under 2 minutes - Available 24/7 — anytime, anywhere - Free and completely no-obligation "Adding life settlements to my practice has been one of the best decisions I've made for my clients. Abacus handles everything — and my clients consistently walk away with far more than they expected." — Abacus Life Partner, Registered Financial Advisor ## Ready to Start Earning More for Your Clients? Register as an Abacus broker partner today — it's free, fast, and there's no obligation. [Get a Free Estimate](#policy-calculator) [Call 800-561-4148](tel:8005614148) Continue Exploring ## More Resources for Professionals [ The Basics### Life Settlement Guide Share this plain-language guide with clients to help them understand how life settlements work and what to expect. Read the Guide → ](/learn-how-life-settlements-work/) [ Industry History### Timeline of Life Settlements From the 1911 Supreme Court ruling to the NYSE — explore the full history of the life settlement industry. View Timeline → ](/timeline-of-life-settlements/) [ Policy Calculator### Client Estimate Tool Get a fast policy estimate to share with your client — no personal information required to get started. Use the Calculator → ](/qualify-a-life-settlement/) --- ### [Life Settlement Blog & Resources | Abacus Life](https://abacuslifesettlements.com/life-settlement-blog/) **Published:** June 5, 2020 **Author:** Admin **Content:** Life Settlement Blog Hero \| Abacus Life Abacus Life Learning Center # Life Settlement *Blog & Resources* Expert insights on life settlements, policy valuation, and retirement planning — written by the team at Abacus Life, the only publicly traded life settlement company in the U.S. [Free Policy Estimate](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) [![](https://abacuslifesettlements.com/wp-content/uploads/2026/10/AccuQuote-Blog-1-1.png)](https://abacuslifesettlements.com/life-settlements-charitable-giving/) ## [How Life Settlements Can Support Charitable Giving Strategies](https://abacuslifesettlements.com/life-settlements-charitable-giving/) As the end of the year approaches, charitable giving becomes an important part of financial planning conversations. Advisors are helping clients evaluate donations, revisit financial goals, and explore ways to support the organizations and causes that matter most to them. But one potential source of charitable funding may be overlooked: an existing life insurance policy. At Abacus Life, we believe policies that no longer serve their original purpose may present an opportunity to support new [Read More ](https://abacuslifesettlements.com/life-settlements-charitable-giving/) On [October 14, 2026](https://abacuslifesettlements.com/2026/10/14/) [![](https://abacuslifesettlements.com/wp-content/uploads/2026/10/AccuQuote-Blog-2.png)](https://abacuslifesettlements.com/when-does-keeping-a-life-insurance-policy-stop-making-financial-sense/) ## [When Does Keeping a Life Insurance Policy Stop Making Financial Sense?](https://abacuslifesettlements.com/when-does-keeping-a-life-insurance-policy-stop-making-financial-sense/) 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 [Read More ](https://abacuslifesettlements.com/when-does-keeping-a-life-insurance-policy-stop-making-financial-sense/) On [October 7, 2026](https://abacuslifesettlements.com/2026/10/07/) [![](https://abacuslifesettlements.com/wp-content/uploads/2026/09/AccuQuote-Blog-1-2.png)](https://abacuslifesettlements.com/q4-is-here-why-year-end-planning-should-include-a-life-insurance-review/) ## [Q4 Is Here: Why Year-End Planning Should Include a Life Insurance Review](https://abacuslifesettlements.com/q4-is-here-why-year-end-planning-should-include-a-life-insurance-review/) 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 [Read More ](https://abacuslifesettlements.com/q4-is-here-why-year-end-planning-should-include-a-life-insurance-review/) On [September 30, 2026](https://abacuslifesettlements.com/2026/09/30/) [![](https://abacuslifesettlements.com/wp-content/uploads/2026/09/AccuQuote-Blog-1-1.png)](https://abacuslifesettlements.com/beyond-the-death-benefit-what-is-a-life-insurance-policy-worth/) ## [Beyond the Death Benefit: What Is a Life Insurance Policy Worth?](https://abacuslifesettlements.com/beyond-the-death-benefit-what-is-a-life-insurance-policy-worth/) 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 [Read More ](https://abacuslifesettlements.com/beyond-the-death-benefit-what-is-a-life-insurance-policy-worth/) On [September 23, 2026](https://abacuslifesettlements.com/2026/09/23/) [![](https://abacuslifesettlements.com/wp-content/uploads/2026/09/AccuQuote-Blog-1.png)](https://abacuslifesettlements.com/life-insurance-awareness-month-isnt-just-about-buying-more-insurance/) ## [Life Insurance Awareness Month Isn’t Just About Buying More Insurance](https://abacuslifesettlements.com/life-insurance-awareness-month-isnt-just-about-buying-more-insurance/) 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 [Read More ](https://abacuslifesettlements.com/life-insurance-awareness-month-isnt-just-about-buying-more-insurance/) On [September 15, 2026](https://abacuslifesettlements.com/2026/09/15/) [![](https://abacuslifesettlements.com/wp-content/uploads/2026/08/AccuQuote-Blog-1-2.png)](https://abacuslifesettlements.com/the-estate-tax-exemption-is-now-15-million-does-your-client-still-need-that-life-insurance-policy/) ## [The Estate Tax Exemption Is Now $15 Million. Does Your Client Still Need That Life Insurance Policy?](https://abacuslifesettlements.com/the-estate-tax-exemption-is-now-15-million-does-your-client-still-need-that-life-insurance-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 [Read More ](https://abacuslifesettlements.com/the-estate-tax-exemption-is-now-15-million-does-your-client-still-need-that-life-insurance-policy/) On [August 26, 2026](https://abacuslifesettlements.com/2026/08/26/) - 1 - [2](https://abacuslifesettlements.com/wp-cron.php/page/2/?doing_wp_cron=1792637709.1048829555511474609375) - … - [23](https://abacuslifesettlements.com/wp-cron.php/page/23/?doing_wp_cron=1792637709.1048829555511474609375) - [Next →](https://abacuslifesettlements.com/wp-cron.php/page/2/?doing_wp_cron=1792637709.1048829555511474609375) --- ### [Life Settlement Learning Center [Guide] | Abacus Life](https://abacuslifesettlements.com/learning-center/) **Published:** September 25, 2019 **Author:** Admin **Content:** Life Settlement Learning Center \[Guide\] \| Abacus Life Abacus Life # The *Learning Center* Abacus Life is ranked at the top of the life settlement industry, providing top-of-the-line service to every client. We have compiled all the resources you need to be successful in selling your life insurance policy. We look forward to helping you reach your financial goals. [Free Life Settlement Estimate](/qualify-a-life-settlement/) [ 800-561-4148 ](tel:8005614148) Quick Links [Life Settlement Guide](/learn-how-life-settlements-work/) [Types of Settlements](/life-insurance-options/) [Brokers & Agents](/brokers-agents/) [Why Sell My Policy?](/policy-sellers/) [About Abacus Life](/about-us/) [Cancer Care Guide](/viaticals/) [FAQ](/frequently-asked-questions/) [Success Stories](/case-studies/) [Agent Resources](https://abacuslifesettlements.com/calculate/) [Our Blog](/life-settlement-blog/) [Videos](/videos/) [Privacy Policy](/privacy-policy/) Start Here ## Life Settlement Guide Selling your life insurance policy can seem confusing if you've never heard of or participated in selling a policy before. The steps involved are generally the same for all companies, but we take special care to get you the money you deserve while being open, transparent, and consistent. See how the entire process works step-by-step in our detailed guide. [Read the Guide](/learn-how-life-settlements-work/) [Get a Free Estimate](/qualify-a-life-settlement/) [ Real Clients### Success Stories Over the last 17 years, Abacus Life has helped return over $2 billion in life insurance equity back to our clients. Read stories from real Abacus Life clients, with their names altered to ensure privacy. Read Stories → ](/case-studies/) [ Common Questions### Frequently Asked Questions View commonly asked questions regarding your life insurance options. We have taken the most frequently asked questions across the internet and compiled them into this go-to informational resource. View FAQ → ](/frequently-asked-questions/) [ Know Your Options### Settlement Options Life insurance transactions can come in different forms. Usually, the seller of a policy determines which type of life settlement is the best solution for their circumstances. Explore Options → ](/life-insurance-options/) [ Viatical & Health### Cancer Care Guide Funding cancer treatments can put a strain on your finances. Selling your life insurance is a viable and legal option to fund your care, providing immediate relief so you can focus on what matters most right now: healing. Learn More → ](/viaticals/) [ For Professionals### Agent Resources Get 24-48 hour pricing for your book of business, request marketing materials, or submit an online application to start your clients' road to financial well-being. Agent Portal → ](/brokers-agents/) [ Who We Are### About Abacus Located in sunny Orlando, FL, our team consists of account managers, policy acquisition managers, and back-office staff available to provide you with the white-glove service standard at Abacus Life. Our Story → ](/about-us/) [ News & Insights### Our Blog Read the Abacus Life Blog to get the latest news on life insurance, finance, local community, senior living, and more. We strive to provide content that keeps you well-versed in all things life settlements. Read the Blog → ](/life-settlement-blog/) [ Watch & Learn### Videos Watch informational videos from the Abacus Life team covering life settlements, the selling process, industry news, and guidance on getting the most from your life insurance policy. Watch Videos → ](/videos/) [ Industry History### Timeline of Life Settlements From a landmark 1911 Supreme Court ruling to Abacus Life trading on the NYSE, trace how the life settlement industry has evolved over more than a century. View Timeline → ](/timeline-of-life-settlements/) Know Your Options ## Types of Life Insurance Options Life insurance transactions can come in different forms. The seller of a policy usually determines which type of settlement is the best solution for their circumstances. [ Option 01### Traditional Life Settlement The most common form of life settlement. Receive a lump-sum cash payment greater than the cash surrender value but less than the death benefit of your policy. ](/traditional/) [ Option 02### Retained Death Benefit (RDB) Keep a portion of your policy's death benefit for your beneficiaries while still receiving cash today. A balanced solution for those who want both immediate funds and legacy protection. ](/retained-death-benefit-rdb/) [ Option 03### Hybrid Settlement A customized combination of cash payment and retained death benefit, tailored to your specific financial goals and family situation. ](/hybrid/) [ Option 04### Viatical Settlement Designed for individuals facing a terminal or chronic illness, a viatical settlement provides tax-advantaged cash to fund medical care, treatments, or quality of life. ](/viaticals/) [ Option 05### All Life Insurance Options Not sure which option fits your situation? Browse our full guide to every type of life insurance option Abacus offers and find the best path to your financial goals. ](/life-insurance-options/) [ Get Started### Free Policy Estimate Use our no-obligation calculator to find out how much your policy could be worth. Results within 24-48 hours. ](/qualify-a-life-settlement/) ## Ready to Learn What Your Policy Is Worth? Call us today or use our Life Settlement Calculator to get started — no obligation required. [Life Settlement Calculator](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) --- ### [Hybrid Life Settlement Option | Abacus Life](https://abacuslifesettlements.com/hybrid/) **Published:** July 11, 2019 **Author:** Admin **Content:** Hybrid Life Settlement Option \| Abacus Life Settlements Life Settlement Options  ·  Option 03 The Best of Both Worlds: # 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. [Get My Free Estimate](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148)  The Basics ## 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 [Check My Eligibility](/qualify-a-life-settlement/) [Compare All Options →](/life-insurance-options/) ### Key Facts Cash Payment A **partial lump-sum payment** at closing — less than a full traditional settlement, but meaningful liquidity now. Buyer Assumes **All future premium payments** from the date of settlement forward. Beneficiaries Receive **A guaranteed percentage** of the death benefit — paid tax-free upon the insured's passing. Your Obligations **None.** No further payments, claims, or responsibilities once the settlement closes. The Process ## 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. 01 #### 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. 02 #### 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. 03 #### Review & Accept Review the offer with your family or advisor. If you accept, we handle all paperwork and coordinate directly with your insurer. 04 #### Cash Paid. Legacy Secured. Your lump-sum payment is deposited at closing. Premiums stop immediately. Your beneficiaries' guaranteed payout is locked in. Real Stories ## 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.** Hybrid Settlement Case Study Violet, Age 93 $750,000 Universal Life PolicyAbacus Offer $150,000 Cash Retained Benefit $400,000 > "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. What's Included ## 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. $1.2B+ Paid to policyholders since 2017 24–48 hrs Initial offer turnaround for qualifying policies A+ Better Business Bureau rating ### Not Sure the Hybrid Is Right for You? Compare all three options side by side — Traditional, Retained Death Benefit, and Hybrid. [Compare All Options](/life-insurance-options/) Your Choices ## Hybrid vs. Other Settlement Options See how the Hybrid compares to the other two settlement types to find the right fit for your goals. Option 01 #### 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. Option 02 #### 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. You Are Here Option 03 #### Hybrid Receive a partial cash payment now and keep a guaranteed death benefit percentage for your beneficiaries. The flexible middle-ground option. [See Full Comparison](/life-insurance-options/) ## Cash Today. Legacy Tomorrow. No More Premiums. Find out if a Hybrid settlement is right for you — free, no obligation. [Life Settlement Calculator](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) Keep Exploring ## Related Resources [ Option 01### Traditional Settlement Sell your full policy for a cash lump sum above surrender value. No further premium obligations or death benefit retained. Learn More → ](/traditional/) [ Option 02### Retained Death Benefit Eliminate premiums entirely and keep a guaranteed death benefit percentage — no cash payment, but full legacy protection. Learn More → ](/retained-death-benefit-rdb/) [ Full Guide### How Life Settlements Work New to life settlements? Start here for a complete overview of the process, eligibility, and what to expect. Read the Guide → ](/learn-how-life-settlements-work/) --- ### [Abacus Life FAQs | Learn How to Sell Your Policy](https://abacuslifesettlements.com/frequently-asked-questions/) **Published:** April 30, 2020 **Author:** Admin **Content:** Frequently Asked Questions \| Abacus Life Settlements Abacus Life Learning Center Everything You Need to Know: # Frequently Asked *Questions* Get clear answers about life settlements, viatical settlements, policy types, taxes, and how to get started with Abacus Life — the only publicly traded life settlement company in the U.S. [Free Life Settlement Estimate](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) [The Basics](#the-basics) [Policy Types](#policy-types) [Eligibility](#eligibility) [The Process](#the-process) [Valuation](#valuation) [Taxes & Regulations](#taxes-regulations) [Making a Decision](#making-a-decision) Common Questions ## Your Questions, Answered Browse by category or scroll through to find clear, straightforward answers about life settlements and how Abacus Life can help you. ## The Basics What is a life settlement? **A life settlement is a legitimate and reliable option to turn your unused life insurance policy into usable cash.** A [life settlement](/life-settlement/) is the sale of a life insurance policy to a third party for cash. Typically performed by individuals aged 65 and older, a life settlement will always exceed the cash surrender value of your policy, but it will always be lower than the death benefit of your policy. [Read our in-depth Life Settlement Guide →](/learn-how-life-settlements-work/) When should I consider a life settlement? There are several valid reasons to begin pursuing a life settlement. It is an entirely personal matter and should be carefully discussed with family and financial advisors. Listed below are the most common reasons people choose to sell their life insurance policy: - Depending on the terms of the policy you own, changes in the insurance market could drive up the price of your premiums. Many potential policy sellers are nearing a policy lapse and, rather than surrendering the policy back to the insurance company, choose to make a life settlement instead. - Others sell their policy with retirement benefits in mind. A life settlement is an excellent way to supplement savings in your golden years — the premium payment is eliminated, and clients often receive a large cash sum. - Selling your life insurance is a viable alternative when it comes to handling medical bills. We connect clients with providers that have assisted thousands of people with serious illnesses. - As a person transitions through various stages in life, they may find they no longer need their policy. Instead of surrendering it and receiving less, a life settlement can be a financially beneficial alternative. We here at Abacus are dedicated to making sure you have the knowledge and resources to make the best decision for *you*. [Reach out to us](/contact/) and we will walk you through the process and all the benefits. What is a viatical settlement? A [viatical settlement](/viaticals/) is the sale of a life insurance policy by a terminally ill policyholder, allowing the policyholder to benefit from the proceeds while still living. The sale of a life insurance policy will always exceed the cash surrender value of your policy but will always be lower than the death benefit of your policy. [Learn more about viatical settlements →](/viaticals/) When should I consider a viatical settlement? With the cost of healthcare rising, a [viatical settlement](/viaticals/) can be a strong financial solution for those facing a terminal illness. Patients and their families can receive immediate funds to pay for medical care or quality-of-life experiences. Funds can be used to pay off bills or try alternative treatments that may not be covered under health insurance. What is a death benefit? The death benefit of a life insurance policy is the cash payout the beneficiaries receive when the insured individual dies. [Read more about death benefits and how life settlements work →](/learn-how-life-settlements-work/) What is a retained death benefit (RDB)? A [retained death benefit (RDB)](/retained-death-benefit-rdb/) is a life settlement option that allows a policy owner (seller) to **retain** a portion of their life insurance policy's **death benefit** for the beneficiary of their choice, in lieu of receiving a cash-only lump-sum settlement (a typical life settlement offer). Abacus Life is more than a life settlement company. We work with each client on an individual basis to provide options based on their unique situation. In addition to settlement options, we are proud to offer retained death benefit (RDB) options — a great choice for individuals looking to eliminate expensive premium payments while keeping a portion of their life insurance coverage. **Have questions about RDB?** Reach out to the Abacus team at [(800) 561-4148](tel:8005614148) — we would love to break this down further for you! What is a cash surrender value? The cash surrender value of a life insurance policy is the cash payout a policyholder receives when they cancel their policy. This will *always* be less than the death benefit or life settlement benefit of a policy. The cash surrender value is equal to the total cash value of your policy minus the cost of any cancellation fees. Total cash value of policy – Cost of cancellation fees = Cash surrender value What is a life insurance policy illustration? A life insurance policy "illustration" is a set of projections prepared by the actuarial department of the insurance company. It depicts how a policy will perform over its lifetime, including financial projections for each year. For term policies, projections extend to the end of the policy's term. For permanent life insurance policies, projections extend well beyond your 100th birthday. A projection typically shows both the current and maximum premiums for each year, total premiums paid up to that year, and each year's death benefits. If your policy has "re-entry" provisions for certain years — requiring you to qualify for the benefits through a physical exam, for example — there are columns showing the premiums if you passed (or "re-entered") or failed the company's medical requirements. ## Policy Types What are the main types of life insurance? **The 3 main types of life insurance policies are universal, whole life, and term life.** **Universal Life** — Universal life insurance is permanent life insurance with an investment savings element and low premiums, similar to term life insurance. Most universal life insurance policies contain a flexible premium option. However, some require a single premium (single lump-sum premium) or fixed premiums (scheduled fixed premiums). **Whole Life** — Whole life insurance provides coverage for the life of the insured. In addition to providing a death benefit, whole life insurance contains a savings component where cash value may accumulate. These policies are also known as *permanent* or *traditional* life insurance. **Term Life** — Term life insurance, also known as *pure* life insurance, guarantees payment of a stated death benefit if the covered person dies during a specified term. Once the term expires, the policyholder can renew it, convert the policy to permanent coverage, or allow the policy to terminate. There are many different types of universal, whole, and term life insurance policies, each with its own specific benefits based on coverage amount, premium payments, investment strategies, and more. [Learn more on our Life Settlement Blog →](https://abacuslifesettlements.com/life-settlement-blog/) ## Eligibility Can I sell my life insurance policy? **The 3 factors that affect eligibility are:** - **Age / Health:** Most individuals who sell their life insurance policy are 65 years of age or older, or have a serious medical condition that deems them terminally ill. - **Policy Type:** Universal, whole-life, and convertible-term policies are all eligible for life settlement. - **Policy Size:** The value of your policy must be $100,000 or larger to qualify for settlement options. [Learn more with our in-depth guide →](/learn-how-life-settlements-work/) Who can sell their life insurance? People aged 65 and older are often eligible to sell their life insurance policy if the face value of the policy exceeds $100,000. The most commonly sold types of life insurance are universal life insurance policies and other permanent policies like whole life. However, a variety of policy types can be sold. Speak with your Abacus representative to find out which option is best for you! [Learn more with our in-depth guide →](/learn-how-life-settlements-work/) Should I sell my life insurance policy? There are many reasons an individual may [choose to sell](/policy-sellers/) their life insurance policy. Here is a brief overview of the most popular reasons: - **High Premiums:** Premiums are more expensive the older an individual becomes. If you are on a fixed income during retirement or have unforeseen medical expenses, paying high premiums can feel impossible. You will *always* receive more money from a settlement than by surrendering a life insurance policy. - **It is No Longer Needed:** When beneficiaries are no longer dependent on making a claim to continue their lifestyle, it can make more sense to sell your policy for usable cash now rather than keep it active. - **Extra Income:** For retirement, medical expenses, or any other reason, many individuals find they need extra income in their golden years. Selling your policy can supplement income while also eliminating the need to pay high premiums. - **Term Policy Expiration:** Many term policies do not offer a cash value at expiration, and renewal costs can be high. An alternative is to convert a term policy into a universal life policy and sell it for cash. [Learn more about reasons to sell your policy →](/life-settlement/) ## The Process How do life settlements work? - 1**Application:** Start by filling out our [online application](/qualify-a-life-settlement/) or call to speak with one of our life settlement specialists at [1 (800) 561-4148](tel:18005614148). You will be asked questions about basic personal information, health, and your life insurance policy. Medical release forms are then signed, allowing Abacus Life to access your medical records and policy information. - 2**Documentation:** Abacus Life, using the medical release forms provided, acquires your basic health and life insurance policy information. A doctor's appointment may be required to obtain a medical release form. - 3**Review:** Once all required information is gathered, we review your policy information and decide whether or not to make an offer. This is completed on an individual basis, as each case is unique. - 4**Offer:** If an offer is made, it will be communicated to the policyholder or advisor (your broker or insurance agent) as applicable. - 5**Closing Package:** If an offer is accepted, Abacus Life will put together a closing package. Common documents include a letter of competency (LOC), verification of coverage (VOC), life settlement contract, life expectancy reports, change of ownership form (COO), and a change of beneficiary form (COB). We will explain everything every step of the way. - 6**Funds Transfer:** Once the closing package is completed and change of ownership documents verified, Abacus Life owns your policy. You no longer pay premiums, and your funds are on their way via direct deposit, check, or a series of pre-determined payments. How do I get started? Getting started is simple. We here at Abacus Life have perfected the onboarding process to life settlements. The first step is to get qualified. See if you qualify to sell your life insurance policy by filling out our [simple online calculator](/qualify-a-life-settlement/) or call to speak with a settlement specialist at [1-800-561-4148](tel:18005614148). We are excited to help you begin your life settlement journey and will guide you every step of the way! ## Valuation & Payout How much can I sell my life insurance policy for? **The value of a policy is determined based on a few factors:** - Policy Type - Policy Face Value - Age - Health Status Settlement companies use these factors to compile an offer for each policy on an individual basis. Once all factors are taken into consideration, an offer is written up. The average payout of a life insurance sale is 4–6 times the cash surrender value of the policy. At Abacus Life, we pay a policyholder an average of **6–8 times the cash surrender value** of their life insurance policy. Being a direct buyer, Abacus has created a streamlined process to make selling your policy fast while cutting out the middleman so we can pay you more. **Want to know exactly how much your policy is worth?** Fill out a quote request form [here](/qualify-a-life-settlement/) or call us at [1 (800) 561-4148](tel:8005614148) and an Abacus Life representative will contact you. ## Taxes & Regulations Are life settlements taxable? **Life settlements are taxed in 3 ways:** - Money received from a life settlement up to the tax basis is free of income tax. - Money received that is greater than the tax basis, but less than the cash surrender value, is taxed at ordinary income rates. - Money received that exceeds the cash value of your policy is taxed as capital gain. The amount of taxable income is calculated by subtracting the total amount you have paid in premiums (your tax basis) from the settlement amount. **Death benefit proceeds received by beneficiaries:** Due to the death of the insured person, death benefit proceeds are not included in gross income and do not have to be reported. However, any interest you receive is taxable and should be reported as interest received. [Learn more on our Life Settlement Taxation page →](/learn-how-life-settlements-work/#taxation) [IRS.gov: Life Insurance Proceeds →](https://www.irs.gov/faqs/interest-dividends-other-types-of-income/life-insurance-disability-insurance-proceeds) How are life settlements regulated? **NCOIL Model Act:** NCOIL writes model laws in insurance and financial services that work to preserve state jurisdiction. [View the NCOIL Model Act](http://ncoil.org/wp-content/uploads/2019/03/Life-Settlements-Model-2019-Readoption.pdf). **Senior Health Planning Account Act:** This bill allows tax-exempt senior health planning accounts to be funded using a taxpayer's gains from the sale or assignment of a life insurance contract. [View the SHPA Act](https://www.congress.gov/bill/116th-congress/house-bill/5958/text?r=26&s=1). Regulations vary by state. Most states regulate the length of time a policy must be owned until it can be sold, agent and broker licensing requirements, disclosure of offers, taxation, and alternatives — all done to protect policyholders. In addition to state regulations, The Life Insurance Settlement Association (LISA) monitors best practices among life insurance agencies, acting as a governing body. [Visit LISA for more information →](https://www.lisa.org/) ## Making a Decision Should I accept a life settlement offer? When a policyholder decides to sell their life insurance policy, there are a few things we recommend doing before making a final decision: - 1**Do your research:** Start by researching each company you are considering working with. Look at the bottom of their website to see if they are a direct buyer, broker, or marketing office. This distinction matters for your **privacy**. Marketing offices often pass your personal information on to other companies to acquire multiple bids. By researching first, you can guarantee that your confidential data is kept secure. - 2**Take notice of how you are treated:** Pay attention to how you are treated throughout the quote and offer processes. Selling your life insurance policy requires a **long-term relationship**. If a company is putting excessive pressure on you to sell, using tactics that do not align with your best interest, or are difficult to contact, this behavior is likely to continue throughout the years. - 3**Remember you are not obligated to sell:** When you request to see what your policy is worth, remember that you are not obligated to sell — it is a *choice*. If you are too young or healthy, we may recommend waiting a few years before selling to receive a higher payout. At Abacus, we provide complete transparency regarding how we generate each offer and keep you informed throughout the entire process. - 4**Know who will own your policy:** Marketing offices are not authorized to purchase a life insurance policy. Their only job is to refer you to policy buyers. Make sure you know **who** the buyer will be so you can stay in contact throughout the life of the policy. It is a long-term relationship, so you should feel confident in who you choose to trust with your policy. [Learn more with our in-depth guide →](/learn-how-life-settlements-work/) ## Ready to Find Out What Your Policy Is Worth? Call us today or use our Life Settlement Calculator to get a free, no-obligation estimate. [Life Settlement Calculator](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) Continue Learning ## Explore More Resources [ The Basics### Life Settlement Guide Everything you need to know about how life settlements work, who qualifies, and what to expect. Read the Guide → ](/learn-how-life-settlements-work/) [ Industry History### Timeline of Life Settlements From a 1911 Supreme Court ruling to the NYSE — trace the full history of the life settlement industry. View the Timeline → ](/timeline-of-life-settlements/) [ Get Started### Policy Calculator Use our free, no-obligation Life Settlement Calculator to get an estimate within 24-48 hours. Get My Estimate → ](/qualify-a-life-settlement/) --- ### [Estimate the Value of Your Client's Policy (Life Settlement Calculator)](https://abacuslifesettlements.com/calculate/) **Published:** January 6, 2020 **Author:** Admin **Content:** Calculate the Value of Your Policy \| Abacus Life Settlements![](https://abacuslifesettlements.com/wp-content/uploads/2026/05/Abacus-Life-New-Website-Photos-7.png) Abacus Life — For Advisors & Agents Advisor Tool: # Estimate the Value of *Your Client's Policy* Run a fast, confidential life settlement estimate for your clients in minutes. Help them unlock the hidden value in their life insurance policy — and differentiate your practice with a solution most advisors overlook. [Call 800-561-4148](tel:8005614148) ★  Agent Use • Confidential • No Obligation  ★ Licensed in 49 States No Cost to Advisors 100% Confidential Instant Preliminary Estimate NYSE: ABX Advisor Resource ## Your Clients May Be *Sitting on Hidden Value* Many of your clients are holding life insurance policies they no longer need — and are considering lapsing or surrendering them back to the carrier for pennies on the dollar. A life settlement gives them a significantly better alternative: a lump-sum cash payment from the secondary market, often six to eight times more than the policy's cash surrender value. Use the calculator above to run a preliminary estimate for any qualifying client in minutes. There is no cost or obligation to you or your client. An Abacus Life specialist is available to support you through every step of the process, from initial valuation to closing. **Important:** This tool is for licensed advisor and agent use only and provides preliminary estimates subject to full underwriting review. Abacus Life handles all compliance, paperwork, and closing support so you can focus on your client relationship. Questions? Contact your dedicated Abacus Life representative at [800-561-4148](tel:8005614148). Client Eligibility ## Does Your Client Qualify? Identifying a qualifying client is straightforward. Here are the three key criteria to look for when evaluating whether a life settlement is the right conversation to have. ### Age 65 or Older The ideal life settlement candidate is 65 or older. Younger insureds with significant health changes may also qualify, making age just one part of the overall picture. ### Change in Health Status A decline in the insured's health since the policy was issued typically increases settlement value. Chronic illness, reduced life expectancy, or a recent diagnosis are strong indicators of eligibility. ### Policy Face Value $100K+ Policies with a death benefit of $100,000 or more are the most competitive in the secondary market. Universal life, whole life, and convertible term policies are all commonly eligible. Common Questions ## Frequently Asked Questions Common questions from advisors and agents about working with Abacus Life and placing life settlement cases. [ 800-561-4148 ](tel:8005614148) What types of policies qualify for a life settlement? Most types of life insurance policies may qualify, including universal life, whole life, variable universal life, and convertible term policies. When evaluating a case, the most important factors are the face value of the policy, the age and health of the insured, and premium obligations. Our team can help you quickly assess eligibility for any client. How does a life settlement compare to a policy lapse or surrender? When a client lapses or surrenders a policy, they receive only the cash surrender value — or nothing at all. A life settlement pays the client a lump sum from the secondary market, typically six to eight times more than the surrender value. For clients who no longer need coverage, this is almost always the superior financial outcome and a conversation worth having. How does Abacus Life support advisors through the process? Abacus Life provides full back-office support to advisors and agents. We handle APS retrieval, life expectancy evaluation, pre-pricing, compliance, and all closing paperwork. You stay focused on the client relationship while we manage the transaction from start to finish. Is there a cost to advisors for using this calculator or placing a case? There is no cost to you as an advisor. The calculator is free to use and there is no obligation to proceed. Abacus Life is compensated at closing, and advisors are eligible to receive compensation for cases they refer. Contact us to learn more about our advisor compensation structure. How long does a typical life settlement case take to close? Most life settlement cases close within 60 to 120 days from initial submission. Timing can vary depending on the responsiveness of the insurance carrier and case complexity. Abacus Life actively manages each case to keep the process moving and keep you informed at every stage. Why should I partner with Abacus Life over other providers? Abacus Life is the first and only publicly traded life settlement company in the United States, listed on the New York Stock Exchange under the ticker symbol ABX. We are licensed in 49 states, subject to rigorous regulatory oversight, and have a proven track record of delivering competitive offers and exceptional service to advisors and their clients. ## Ready to Add Life Settlements to Your Practice? Run a free estimate for your next qualifying client and see why top advisors trust Abacus Life. [Run a Client Estimate](#calculator) [Call 800-561-4148](tel:8005614148) Learn More ## Explore Our Resources [ Advisor Resource### Life Settlement Guide A comprehensive overview of how life settlements work, client eligibility criteria, and how to introduce the topic in your practice. Read the Guide → ](/learn-how-life-settlements-work/) [ Industry History### Timeline of Life Settlements From the 1911 Supreme Court ruling to Abacus Life on the NYSE — explore the history of the life settlement industry. View Timeline → ](/timeline-of-life-settlements/) [ Case Studies### Advisor Success Stories See real-world examples of advisors who identified life settlement opportunities for their clients and the outcomes they delivered. View Case Studies → ](/case-studies/) --- ### [Contact Us | Abacus Life Solutions](https://abacuslifesettlements.com/contact/) **Published:** September 23, 2020 **Author:** Admin **Content:** Contact Us \| Abacus Life Abacus Life # Contact *Us* We are here to help. Reach out to our team by phone, email, or visit our Orlando headquarters — we would love to hear from you. Get in Touch ## We’d Love to Hear From You Whether you have questions about your life insurance policy, want a free estimate, or need guidance on your options — our team of experts is ready to help. ✦  A Direct Buyer of Life Insurance Policies Address 333 S. Garland Ave, Suite 1500 Orlando, FL 32801 Phone [800-561-4148](tel:8005614148) Email <info@abacuslife.com> Fax(407) 455-7765 [Get a Free Estimate](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) **Abacus Life Headquarters** 333 S. Garland Ave, Suite 1500 Orlando, FL 32801 [ Get Directions ](https://maps.google.com/?q=333+S+Garland+Ave,+Orlando,+FL+32801) --- ### [Abacus Life Scholarship | Apply Today](https://abacuslifesettlements.com/abacus-scholarship/) **Published:** June 25, 2020 **Author:** Admin **Content:** 2026–2027 Abacus Scholarship \| Abacus Life Abacus Life — Annual Scholarship # 2026–2027 Abacus Scholarship Is *Now Open* At Abacus Life, we believe in supporting students who are working hard to build a better future. Our annual college scholarship is designed to help currently enrolled students reduce the financial stress of higher education. [Abacus Life Scholarship Application Form](https://abacuslifesettlements.com/wp-content/uploads/2026/01/The-Abacus-Life-Scholarship-2026-2027.pdf) 2026 – 2027 ## Annual Scholarship Open to all majors Open to passionate, driven college students of all majors who are ready to share a story that shows who you are, and the impact you've had on the people around you. Our Mission ## Supporting the Next Generation At **Abacus Life**, we believe in supporting students who are working hard to build a better future. Our annual college scholarship is designed to help currently enrolled students reduce the financial stress of higher education. This scholarship is open to college students of all majors who are passionate, driven, and ready to share what makes them unique. To apply, fill out the form below and follow the instructions. [Abacus Life Scholarship Application Form](https://abacuslifesettlements.com/wp-content/uploads/2026/01/The-Abacus-Life-Scholarship-2026-2027.pdf) - ### [2025-2026 Abacus Life Scholarship Winner](#tab_6ad97b0f026b4) - ### [2024-2025 Abacus Life Scholarship Winner](#tab_6ad97b0f026b8) - ### [2023-2024 Abacus Life Scholarship Winner](#tab_6ad97b0f026ba) - ### [2022-2023 Abacus Life Scholarship Winner](#tab_6ad97b0f026bc) - ### [2021-2022 Abacus Life Scholarship Winner](#tab_6ad97b0f026bd) - ### [2020-2021 Abacus Life Scholarship Winner](#tab_6ad97b0f026cb) ## 2025-2026 Abacus Life Scholarship Winner ![](https://abacuslifesettlements.com/wp-content/uploads/2026/01/AccQuote-Website-Photos-50.png) Elizabeth Curtis is a graduating senior at Westby High School in Westby, Wisconsin, with a strong commitment to service, leadership, and making a positive impact in her community. She has been involved in the Career and Technical Student Organization Family, Career, and Community Leaders of America (FCCLA) since seventh grade and is currently serving consecutive terms as the Wisconsin FCCLA State President, where she works to strengthen chapters across the state, lead meaningful initiatives, and empower members to find their voice as leaders. A nationally recognized member, she was named the first-ever National FCCLA Member of the Year and has earned multiple honors through STAR Events for her work in education and service-based projects. Running is Lizzy’s greatest passion and her source of clarity and strength. Introduced to the sport by her dad at a young age, it quickly became more than just an activity. It became a place to grow, reflect, and push beyond perceived limits. Competing in cross country and track since middle school has continually reinforced the value of dedication, patience, and perseverance, proving that consistent hard work leads to meaningful progress. She will be attending the University of St. Thomas in St. Paul, Minnesota, where she plans to major in nursing while competing in Division I cross country and track and field. Her goal is to become a NICU nurse, providing compassionate, specialized care to vulnerable infants and their families, and eventually continue her education by attending physician assistant school. Lizzy looks forward to combining her academic path, athletic discipline, and heart for service to make a lasting impact in healthcare. **Check out her extraordinary story below:** ## 2024-2025 Abacus Life Scholarship Winner ![](https://abacuslifesettlements.com/wp-content/uploads/2025/02/Collin-Young-Headshot-Edited-scaled.jpg) Collin is a graduating senior at the University of Georgia majoring in Entertainment & Media Studies, with a minor in International Affairs and a certificate in Environmental Ethics. A native of Brunswick, GA, he hopes to use these specializations to solve social and environmental justice issues through documentary filmmaking. He is also an avid photographer with particular interest in its documentary capabilities. His favorite films are those that tackle an important topic or narrative while remaining expressive of reality and challenging tradition- films like Koyaanisqatsi, Harlan County USA, The Battle of Algiers, and Children of Men. Collin served with an AmeriCorps Conservation Corps, where he worked with federal land management agencies in the Eastern US. As part of his service he was deployed to the U.S. territory of Guam in July 2023 to assist with typhoon disaster relief. On this deployment he served as Public Information Officer and took photos and documentary footage to be used by AmeriCorps HQ. In his free time, he enjoys street photography, hiking, working on his car, and watching movies. He looks forward to attending the Cannes Film Festival through a UGA Study Abroad program, for which the Abacus scholarship will be immensely helpful. **Check out his extraordinary story below:** ## 2023-2024 Abacus Life Scholarship Winner ![](https://abacuslifesettlements.com/wp-content/uploads/2024/01/Angie-Scholarship.jpeg) Angela Renzello is 20 years old and from Pocatello, Idaho. She has a love for the outdoors and enjoys activities such as running, skiing, pickleball, hiking, and traveling. Angela is also actively engaged in volunteering and helping others in her community. She finds fulfillment in making a positive impact on the lives of others. Angela is a pre-med student at Brigham Young University-Idaho, studying Public Health with a strong passion for working with children. Her ultimate goal is to become a Pediatric Doctor and positively impact young patients’ lives. ## 2022-2023 Abacus Life Scholarship Winner ![](https://abacuslifesettlements.com/wp-content/uploads/2022/09/scholarship-pic-scaled.jpeg) Sarah Secrist is a fourth-year student at the University of Georgia in Athens. She is currently studying music therapy and gerontology, with a goal to one day provide music therapy services to older adults in assisted living or hospice care. Sarah was inspired to pursue geriatric music therapy by her grandmother who suffered from dementia. She remained connected with her family through music until her passing in 2020. Sarah hopes to help others connect with their loved ones through music therapy. She is returning as a drum major for the University of Georgia Redcoat Marching Band as well as the Band Captain for the season. The band traveled with the football team in January for the National Championship, and she received the special opportunity to conduct the band as they pulled ahead in the fourth quarter. This is a memory she will never forget. She is also the President of Sigma Alpha Iota- Iota Zeta, the international music fraternity chapter at UGA. She acts as an Ambassador for the Hugh Hodgson School of Music and is the Secretary for the Music Therapy Student Association. On top of being a conductor for the band, she plays trumpet and studies voice. She is part of UGA’s Musical Theatre Certificate program and loves performing on stage whenever she can. She is honing her guitar and piano skills for her major and loves learning new instruments. Sarah hopes her story inspires others to set goals and stick with them. Anyone can dream, but it takes hard work, perseverance, and kindness to make them come true! **Check out her heartwarming story below:** ## 2021-2022 Abacus Life Scholarship Winner ![](https://abacuslifesettlements.com/wp-content/uploads/2021/10/Ashley-Abacus-Winner.jpg) Ashley Lunford’s journey began years ago, in her early 20s, when she began taking courses in Montana. As life progressed, she wound up in Oregon, and continued her studies, while raising a family. Her family shrunk when her husband passed away in 2021. His death only kept the fire burning underneath her as she began her junior year at Oregon State University. Her passion for learning and progressing in life seeps through all aspects, keeping her on her toes for the completion of her bachelor’s degree in psychology. Her goal is to move onto a master’s program in acupuncture, in order to complete her education in the healing arts. ***“I honestly believe through hard work and a good dream, anything is possible!” – Ashley Lunsford*** You can view her scholarship video submission below: ## 2020-2021 Abacus Life Scholarship Winner ![](https://abacuslifesettlements.com/wp-content/uploads/2021/01/Optimized-_DSC1963.jpg) 18-year-old Hope De Jesus is a graduate of Pocono Mountain West High School, and a current undergraduate student at New Jersey Institute of Technology. She is immensely excited and honored to be this year’s winner of the Abacus Life Scholarship. When not preparing for exams and finishing assignments to earn her degree in computer science, she spends her time as NJIT’s jazz vibraphonist and a percussionist. She is a weekly volunteer with SoulDeevas’s Junior Girl Drumline, teaching young girls how to play the drums, and frequently volunteers at her church’s food pantry. After graduating in 2024, she hopes to find a career that utilizes creativity and coding and continue to participate and lead music-related youth community activities. Hope has big dreams for the future and is grateful for the support and belief the Abacus team has for her. ***“I am honored and grateful to be the recipient of this scholarship. The support of the Abacus team will help me graduate by 2024 and find a career that utilizes my passion for community and coding. I am extremely thankful for the opportunity the Abacus team has given me. It is extraordinarily enlightening to know that the Abacus team knows the potential impact music has on the community, and I am motivated now more than ever to prove the power music has to build long-lasting unity, even if it is across a screen.”*** – Hope De Jesus. You can watch her submission below: --- ### [Abacus Policy Insights | Get a Life Settlement Valuation](https://abacuslifesettlements.com/abacus-policy-insights/) **Published:** May 22, 2020 **Author:** Admin **Content:** Abacus Policy Insights \| Bulk Life Settlement Valuations Abacus Life — Advisors & Agents Portfolio Evaluation Tool: # Abacus Policy Insights *(API) Tool* Lightning-fast, intelligent policy valuations for books of business of any size — built for financial advisors who want smarter, data-driven results in minutes. [Request the API Tool](mailto:info@abacuslife.com) [Call 800-561-4148](tel:8005614148) Watch & Learn ## Unlocking the Hidden Value of Life Insurance Assets Learn how policy valuations play a critical role in unlocking the hidden value of life insurance assets. Abacus Life helps policyholders maximize returns through data-driven insights. Whether you’re a financial advisor or a policyholder, understanding these strategies can lead to smarter, more informed decisions. [Request the API Tool](mailto:info@abacuslife.com) Example Portfolio ## Full Valuation Completed in 90 Minutes 3,100 Individual Policies $202M Secondary Market Value $20M Potential Commissions $1.3B Total Face Value 90 Min Full Valuation Completed The Technology ## The Most Intelligent Calculator in the Secondary Market Abacus Life is proud to announce the next product in a long line of innovative offerings built around making the secondary market more accessible for agents: the **Abacus Policy Insights (API) tool**. At a pricing rate of approximately **8,390 policies per minute**, an entire book of business can be valued in a matter of minutes. API doesn’t have a capacity limit when it comes to providing lightning-fast pricing. [Life settlement calculators](/qualify-a-life-settlement/) are typically based on a flat percentage-based average across a broad data set, which often produces wildly inaccurate results. Abacus utilizes a constantly growing database of tens of thousands of unique policies, paired with active learning, to create the most intelligent calculator in the secondary market. When you are provided pricing for a 78-year-old female client with a $7,000,000 GUL, it is based on actual historical life settlement pricing — not a percentage guess. Example Portfolio Highlights ### What API Delivers - Same-Day Pricing on Life Insurance Books of Any Size - Intelligent Calculations Based on Real Historical Pricing - Full Marketing Support & Co-Branded Materials - Downline Protection for Your Clients - Dedicated Back-Office Team Full-Service Support ## Turnkey Solutions for Advisors Abacus Policy Insights is more than just a bulk pricing tool. Our [Abacus Marketing Office](/marketing-materials/) offers full back-office marketing support including co-branded materials, assistance with client outreach, white-label letters populated with your clients’ information, and full email campaigns. At Abacus Life, our goal is to go a step beyond the competition — providing you with all the tools required for success. [Request the API Tool](mailto:info@abacuslife.com) [Get a Policy Quote](/qualify-a-life-settlement/) #### Lightning-Fast Pricing 8,390 policies priced per minute — an entire book of business in under 90 minutes. #### Real Historical Data Priced against tens of thousands of actual life settlement transactions, not broad averages. #### Full Back-Office Support Co-branded marketing materials, white-label letters, and full email campaign support. #### Downline Protection Your client relationships are protected — always. ## Ready to Value Your Book of Business? Contact us today to request access to the API tool or get a free policy estimate. [Request the API Tool](mailto:info@abacuslife.com) [Call 800-561-4148](tel:8005614148) Continue Exploring ## More Resources for Advisors [ For Advisors### Brokers & Agents Everything you need to partner with Abacus — tools, support, and resources to grow your book of business. Learn More → ](/brokers-agents/) [ Tools### Agent Calculator Quickly estimate commissions and policy values for your clients with our dedicated agent calculator. Open Calculator → ](/calculate/) [ Marketing### Request Marketing Materials Co-branded brochures, white-label letters, and email campaign support from our Abacus Marketing Office. Get Materials → ](/marketing-materials/) --- ### [Abacus Pays the Most | Abacus Life](https://abacuslifesettlements.com/abacus-pays-the-most/) **Published:** November 1, 2024 **Author:** Admin **Content:** Abacus Pays the Most \| Abacus Life Settlements For Policyholders & Financial Professionals Data-Backed Performance: # Abacus Life *Pays the Most* Year after year, Abacus Life consistently pays more than the market average for life insurance policies. Whether you're a policyholder exploring your options or an advisor looking for the best partner for your clients, our data-driven approach and deep investor relationships deliver superior results. [Get a Free Estimate](#calculator) [Call 800-561-4148](tel:8005614148) Third-Party Data ## Abacus vs. The Life Settlement Market Independent data from *The Deal, Life Settlement Report* confirms what our clients and advisors already know: Abacus Life consistently pays more than the market average, every single year. ![Bar chart comparing Abacus Life Settlements average percent paid by face value versus the life settlement market average from 2020 to 2024. Abacus consistently pays more each year.]() \*The 2021–2024 data above is sourced from *The Deal, Life Settlement Report* (Issued Annually). \*The 2025 data above is sourced from a press release issued by Coventry on April 16, 2026. 19.84% Abacus avg. paid by face value (2025) 16.27% Life settlement market avg. (2025) 5+ yrs Consistently above market, every year The Abacus Difference ## Why We Pay More Than Anyone Else Whether you are a policyholder considering your options or a financial professional evaluating partners for your clients, Abacus Life offers a unique advantage in the market: as a **publicly traded company (NYSE: ABX)**, we operate with full transparency and are held to the highest standards of accountability. Our national network of institutional investors competes to buy each policy, which drives up the offer received. We don’t just find one buyer — we find the best buyer for each specific policy. And because we handle everything in-house — from policy evaluation to closing — there are fewer hands in the transaction, which means more of the proceeds go directly to the policyholder. - **Competitive Bidding Process** Multiple institutional buyers compete for your policy, naturally driving the price higher and ensuring you receive the most competitive offer available. - **NYSE-Listed & Fully Regulated** As the only publicly traded life settlement company in the U.S., we operate under strict financial oversight — meaning every transaction is backed by institutional integrity. - **In-House Expertise** Our team handles APS retrieval, life expectancy evaluation, and pre-pricing entirely in-house, reducing delays and friction — which keeps more value in your settlement. - **Licensed in 49 States** Our nationwide reach means more buyers for each policy and a broader, deeper market — giving advisors and policyholders access to the strongest offers available, regardless of location. The Full Picture ## Every Advantage, Working for You Our commitment to paying more isn’t just a marketing claim — it’s built into every part of how we operate. 01 ### No Cost to Anyone There are no fees or out-of-pocket expenses for policyholders or their advisors to get an estimate or complete a life settlement with Abacus. Our services are completely free. 02 ### Free, No-Obligation Estimate Use our Life Settlement Calculator to receive an estimate within 24–48 hours — with zero commitment required. Advisors can run estimates on behalf of clients at any time. 03 ### Fast, Transparent Process Our streamlined, fully in-house process means fewer delays and total transparency at every step — for both the policyholder and the advisor managing the case. 04 ### Industry-Leading Experience Founded in 2004, Abacus has completed thousands of successful life settlements. Advisors trust us to deliver consistent, above-market results for their clients year after year. 05 ### Institutional Investor Network Our deep relationships with institutional investors mean each policy is seen by the buyers most willing to pay a premium — maximizing value for policyholders and strengthening advisor relationships. 06 ### Dedicated Policy Specialist Every case is assigned a dedicated policy specialist who guides both the policyholder and their advisor through the entire process, from initial review to final payment. Free Life Settlement Calculator ## How Much Is Your Policy Worth? Our free Life Settlement Calculator gives you a **real estimate in as little as 24–48 hours** — with no obligation and no out-of-pocket cost to you. Policyholders and financial professionals can both use this tool. Enter policy details and our team will evaluate it against our network of institutional buyers to determine the best possible offer. [Call 800-561-4148](tel:8005614148) #### Why policyholders & advisors choose Abacus - Consistently above-market payouts, confirmed by independent data - Only publicly traded life settlement company (NYSE: ABX) - Licensed in 49 states with 20+ years of industry experience - No fees, no cost, no obligation to accept any offer Simple & Straightforward ## How the Process Works From the first estimate to final payment, our streamlined process is designed to be straightforward for both policyholders and the advisors working with them. 1 ### Free Estimate Submit policy details online or call us directly. Advisors can submit on behalf of clients. Our team evaluates every policy at no cost and with no obligation. 2 ### Policy Review We gather the necessary documentation and present the policy to our network of institutional buyers to generate competing offers. 3 ### Receive Offers The highest possible offer is presented. Our team walks through the numbers with the policyholder and their advisor — no pressure, ever. 4 ### Get Paid Once accepted, we handle all the paperwork. The policyholder receives a lump-sum cash payment — typically far more than the policy’s cash surrender value. ## Ready to Find Out What a Policy Is Worth? Get a free, no-obligation estimate from the company that pays the most — for policyholders and advisors alike. [Life Settlement Calculator](#calculator) [Call 800-561-4148](tel:8005614148) Continue Learning ## Explore More Resources [ Industry History### Timeline of Life Settlements From a 1911 Supreme Court ruling to the NYSE — trace the full history of the life settlement industry. View Timeline → ](/timeline-of-life-settlements/) [ The Basics### Life Settlement Guide Everything you need to know about how life settlements work, who qualifies, and what to expect throughout the process. Read the Guide → ](/learn-how-life-settlements-work/) [ Real Clients### Success Stories Read real case studies from policyholders who received life-changing payouts through Abacus Life. View Case Studies → ](/case-studies/) --- ### [Scott's Email Signature Landing Page](https://abacuslifesettlements.com/scotts-email-signature-landing-page/) **Published:** May 26, 2026 **Author:** Andrew Brown **Content:** Scott Kirby \| Abacus Life Settlements ![Scott Kirby, Abacus Life Settlements](https://abacuslifesettlements.com/wp-content/uploads/2025/09/KirbyS.png) Abacus Life Settlements  ·  NYSE: ABX # Scott Kirby Co-Founder & Advisor Scott Kirby brings over 25 years of expertise to the life settlement industry. In 2004, he co-founded Abacus Life, where he leads business development and has helped grow the company into one of the foremost life settlement providers in the U.S. A frequent speaker across the financial services landscape, Scott regularly addresses insurance marketing organizations, broker-dealers, and study groups on the evolving life settlement marketplace. [Get a Free Estimate](#calculator) 19.84% Abacus avg. paid (2025) Independent data confirms: Abacus pays more than the market — every single year. 16.27% Market average (2025) Third-Party Data ## Abacus vs. The Life Settlement Market Independent data confirms what our clients and advisors already know: Abacus Life consistently pays more than the market average, every single year. ![Bar chart comparing Abacus Life Settlements average percent paid by face value versus the life settlement market average from 2020 to 2024. Abacus consistently pays more each year.](https://abacuslifesettlements.com/wp-content/uploads/2026/05/2025-Abacus-Life-vs-Market-Volume-Summary-1-1.png) \*The 2021–2024 data above is sourced from *The Deal, Life Settlement Report* (Issued Annually). \*The 2025 data above is sourced from a press release issued by Coventry on April 16, 2026. Why Abacus ## We Pay the Most As the **only publicly traded life settlement company in the U.S. (NYSE: ABX)**, Abacus operates with full institutional transparency. Our nationwide network of buyers competes for each policy — driving your offer higher. Every step is handled in-house, so fewer hands touch the transaction and more of the proceeds go directly to you. 5+ Years consistently above market 49 States licensed nationwide $0 Cost to get an estimate Free Estimate ## How Much Is Your Policy Worth? Get a real estimate in as little as **24–48 hours** — no obligation, no cost. --- ### [Thank You. Your Client's Estimated Value Is Ready. | APTM](https://abacuslifesettlements.com/thank-you-aptm/) **Published:** August 24, 2026 **Author:** Andrew Brown **Content:** Thank You \| Your Client's Estimated Policy Value \| Abacus Life Thank You • Estimate Received # Your Client's *Estimated Value* Here is a preliminary range of what your client's policy may be worth on the secondary market. A specialist will follow up to confirm eligibility. [See Your Results](#results) [Book a Meeting](#schedule) Preliminary Estimate ## Estimated Policy Value by Health Scenario Settlement value generally rises as the insured's health declines. Your client's actual offer depends on full underwriting review. Standard Health No significant health impairments Calculating… Slight Impairment Minor, well-managed conditions Calculating… Moderate Impairment Notable decline since issue Calculating… High Impairment Serious health conditions Calculating… Extreme Impairment Severe, reduced life expectancy Calculating… Terminal Terminal diagnosis Calculating… **Preliminary estimate for licensed advisor use only.** These figures are illustrative and are not an offer. Final value is determined after underwriting, life expectancy review, and carrier verification. Questions? Call [800-561-4148](tel:8005614148). What Happens Next ## Your Next Steps 1 ### We Review the Case An Abacus Life specialist reviews the details you submitted and confirms whether your client is a strong candidate for a life settlement. 2 ### We Refine the Estimate We gather medical records and policy documents, complete a life expectancy review, and produce a firm, underwritten valuation. 3 ### You Deliver the Offer We manage compliance and closing paperwork start to finish, so you can present the result and strengthen your client relationship. Book a Time ## Schedule a Call Pick a time that works for you and speak directly with an Abacus Life specialist about this case. ## Have a Question About This Case? Your dedicated Abacus Life team is standing by to help. [Call 800-561-4148](tel:8005614148) [Run Another Estimate](https://abacuslifesettlements.com/calculate/) Learn More ## Explore Our Resources [ Advisor Resource### Life Settlement Guide How life settlements work, client eligibility, and how to introduce the topic in your practice. Read the Guide → ](/learn-how-life-settlements-work/) [ Industry History### Timeline of Life Settlements From the 1911 Supreme Court ruling to Abacus Life on the NYSE, explore the history of the industry. View Timeline → ](/timeline-of-life-settlements/) [ Case Studies### Advisor Success Stories Real examples of advisors who identified life settlement opportunities and the outcomes they delivered. View Case Studies → ](/case-studies/) --- ### [Viatical Settlement - Cancer Doctor](https://abacuslifesettlements.com/cancer-doctor/) **Published:** July 27, 2026 **Author:** Admin **Content:** # Abacus Life Cares – # Welcome to Our # Viatical Settlement Guide This page provides up-to-date information to help you understand more about viatical settlements and whether this option is right for you and your loved ones. Learn the value of your life insurance policy today by calling us at [**(888) 418-5784**](tel:8884185784), or fill out the One-Step Qualifier Form below. [One-Step Qualifier](#form-viatical) ## What is a Viatical Settlement? A ***viatical settlement*** is a specific type of life settlement designed for individuals diagnosed with a life-threatening illness. This legal option allows policyholders to sell their life insurance policy for a cash amount that is higher than the surrender value but less than the full face value. In exchange for transferring ownership, the insured receives a lump-sum payment — often up to ***six to eight times*** the policy’s cash surrender value. Unlike a loan, a viatical settlement is a one-time transaction. The seller releases ownership of the policy in return for a cash payout, which can be used entirely at their discretion. If the insured meets certain criteria confirmed by a medical professional, the IRS may consider the transaction tax-free. ## How Is This Option Different Than Normal Life Insurance Purchases? Selling your life insurance policy to pay for medical needs is specifically for individuals suffering from a life-threatening illness. The transaction may be tax-free, so long as the insured meets specific criteria stated by a medical professional. It is essentially the same as other life settlement options at its core. The significant caveat is that the insured is typically suffering from a life-threatening illness. ## **Viatical Life Settlements** - The insured is terminally/chronically ill. - The proceeds typically range from 50% to 80% of the policy’s face value. - The IRS may allow proceeds to be received as a tax-free gain so long as the insured meets specific criteria as stated by a medical professional. ## **Standard Life Settlements** - The insured is typically a senior in their late 70s. - The proceeds are usually around 10% to 80% of the policy’s face value, depending on life expectancy. - The funds are generally subject to taxation unless they meet IRS guidelines. ## Case Studies ![](https://abacuslifesettlements.com/wp-content/uploads/2025/07/oldman.png) ### Sam, 75, of Boca Raton, Florida **$150,000 Policy \| Abacus Offer: $90,000** Sam was recently diagnosed with stage 4 rectal cancer and needed funds immediately to assist with treatment. He had a term policy that had a face value of $150,000, and he was planning to surrender it so he could utilize those monthly payments towards his treatment. Instead, he discovered life settlements and reached out to Abacus. **After we reviewed his case, Abacus offered him $90,000, which helped him pay for the treatment plan he wanted to pursue.** ![](https://abacuslifesettlements.com/wp-content/uploads/2025/07/Diane-Funding-Medical-Care-for-Website-1.png) ### Alyssa, 79, of Houston, Texas **$600,00 Policy \| Abacus Offer: $390,000** Alyssa had a $600,000 permanent policy and was prepared to surrender the policy for a cash value of $2,500 from the life insurance carrier. **She was able to receive $390,000 for the policy, and the owner was able to use the proceeds to cover their medical costs because of Abacus.** ## Am I Eligible? To qualify for a viatical settlement, the insured must have been diagnosed with a life-threatening illness such as cancer or ALS (Lou Gehrig’s Disease). Most types of policies qualify for sale, including term life. On average, **Abacus Life** pays the policyholder six to eight times more than their life insurance policy’s cash surrender value. **As a direct buyer, Abacus has created a streamlined process so you can sell your policy and receive these needed funds as quickly as possible.** [One-Step Qualifier](#form-viatical) [Call (888) 418-5784](tel:8884185784) ## How Many Different Options Are There? **Traditional** The Traditional option is to sell your full life insurance policy for a cash amount above the policy’s surrender value. You have no further obligations or claims to the policy, with all future premiums paid by the buyer. - Cash Lump Sum - No Future Payments **Retained Benefit** The Retained Benefit option means you would no longer pay any premiums and retain a portion of your benefit. When the policy ends, beneficiaries will receive a guaranteed percentage, but you have no further obligations or payments to make. - Guaranteed Percentage - No Future Payments **Hybrid** The Hybrid option is a combination of two, where you would sell a portion of your life insurance policy. With this option, you receive a cash payment now, your beneficiary receives a guaranteed percentage of the benefit when the policy ends, and you have no further obligation to pay future premiums. - Guaranteed Percentage - Cash Lump Sum - No Future Payments ## How Much is My Policy Worth? Policy values are determined on a case-by-case basis, and there is no one-size-fits-all answer. Abacus will evaluate your specific situation with the highest level of professionalism and confidentiality, as well as with compassion and sensitivity to your situation. To provide your options, we will need to review the following: - Policy Type - Policy Face Value and Premiums - Age and Health Status of the Insured To find out what your policy is worth, and what options may be available to you, please complete the form below, or contact us at [**(888) 418-5784**](tel:8884185784) to speak with a member of our team. Please enable JavaScript in your browser to complete this form. ![Abacus Life - NYSE | ABX](https://abacuslifesettlements.com/wp-content/uploads/2026/09/Abacus-Life-Solutions-NYSE-Logo-2.png) ## One-Step Qualifier Form (Please fill out the form below with your information, and a member of our team will reach out to you shortly.) Full Name \* Age Type Gender Phone Number \* Email Address \* Gender of Insured \*MaleFemale Age \* Policy Type \*Term ConversionUniversal LifeSurvivorship Universal LifeSUL (One Deceased)Variable Universal LifeGuaranteed Universal LifeIndexed Universal LifeWhole Life Policy Amount (numbers only) \* Health Issues Submit ## Other Frequently Asked Questions ### [What is the Viatical Settlement Process?](#) **Step 1: Deciding to Sell** Before deciding to sell your policy, the policyholder and their beneficiaries must consciously pursue this option. That means contacting your financial advisor or the Abacus team and looking into all alternatives to ensure that it is the most beneficial solution for you. There is no cost or obligation to accept an offer at any time. **Step 2: Determining Eligibility** Certain specifics determine if an individual will qualify, such as premiums, the life expectancy of the insured, and the policy’s face value. The information disclosed will be used by an in-house medical underwriter who will calculate the insured’s life expectancy using medical records and determine how much the policy is worth at no cost to the insured. **Step 3: The Offer** Abacus, or the chosen buyer, would then extend an offer to the insured. The proposal would be more than the price but less than the net face value. The buyer must be licensed in the state in which the owner of the policy resides. **Step 4: Acceptance** If the amount offered by the licensed buyer is acceptable to the policy seller, they can choose to accept the offer and request the required documents for review. **Step 5: Contracts** At this time, the licensed buyer generates state-approved contracting documents. These documents record the life settlement transaction and spell out the agreement between the seller and the purchaser. Both parties must sign and notarize the contracts. **Step 6: Verification** Once the contracts are executed and all the required accompanying documents are received, the verification process begins. Often completed by a third party like a law firm, this verification agent will check that all the contracting forms have been completed correctly. They may also check that the policy is in full force and good standing with the insurance company. They will verify that the funds for the purchase are in an escrow account for the policy seller. **Step 7: Change of Ownership** Subsequently, we send a request for an ownership change to the insurance carrier. This ensures that the owner is changed from the current policyholder to the buyer or the financing entity that the buyer names as owner. **Step 8: Funds Transfer** After the insurance carrier has confirmed that the purchaser is listed as the owner, the escrow agent is instructed to release the funds to the seller. The new owner is now responsible for all premiums, and the seller has received payment for the transaction. **This is the last step of the process and concludes the transaction. The insured is then free to use the money at their discretion.** ### [Are Viatical Settlements Taxable?](#) The transaction may be tax-free, as long as the insured meets certain criteria. A medical professional, usually a doctor, confirms the terminal diagnosis. For more information on how life insurance proceeds are taxed, visit the [**IRS**](https://www.irs.gov/faqs/interest-dividends-other-types-of-income/life-insurance-disability-insurance-proceeds). Please consult a CPA or Tax expert for more information. ### [Are there Any Viatical Settlement Regulations?](#) Over the past decade, the market has become incredibly well regulated. The entire life settlement market is regulated on a state-by-state basis instead of nationally. Therefore, the responsibility falls on each state’s government to make sure that companies are behaving ethically. The majority of states do require specific licensing and practice strict oversight to ensure customer safety. Here at Abacus Life, we are proud to share that we are licensed for life and viatical settlements in all states excluding Alaska. ### [When Is the Right Time to Pursue a Viatical Settlement?](#) For many individuals facing a life-threatening illness, a viatical settlement is a viable financial solution. There are many reasons why selling your policy may be the right decision for you and your family. Some of these reasons include: - Replace lost income - Pay day-to-day expenses - Pay medical bills and copays - Fund alternative treatments - Pay for home health care - Pay for nursing home expenses - Eliminate debt proactively - Fulfill wishes or dreams (bucket list) - Improves your quality of life ![](https://abacuslifesettlements.com/wp-content/uploads/2021/05/LS-3.jpg) ## How Do I Get Started? Abacus Life Settlements is a licensed life settlement company that takes a client-first approach. We don’t believe that you should wait for the industry standard 45-60 days for life-saving treatment. A life settlement allows you to focus on what is most important right now. To get started, simply fill out our One-Step Qualifier form below, or call us directly at [**(888) 418-5784**](tel:8884185784). We will review your information and provide an initial, no-obligation offer within 24-48 hours of contacting us, assuming you qualify. [ One-Step Qualifier ](#form-viatical) ## Financial Resources [ ![client](https://abacuslifesettlements.com/wp-content/uploads/2020/05/Co_PayLogo_withTagline_RGBx500.png) ](http://www.copays.org/) [ ![client](https://abacuslifesettlements.com/wp-content/uploads/2020/05/CareCredit_Tag_RGB-Rx500.jpg) ](https://www.carecredit.com/) [ ![client](https://abacuslifesettlements.com/wp-content/uploads/2020/05/PPA-Logox500.jpg) ](http://www.pparx.org/) [ ![client](https://abacuslifesettlements.com/wp-content/uploads/2020/05/03ur1U8zMQIMSstyVKLki1j-5.fit_scale.size_1028x578.v_1569476924x500.jpg) ](https://www.gofundme.com/) [ ![client](https://abacuslifesettlements.com/wp-content/uploads/2020/05/resource-panfoundationx500-1.jpg) ](http://www.panfoundation.org/) [ ![client](https://abacuslifesettlements.com/wp-content/uploads/2026/02/A-Triage-Cancer-Main-Logo-with-TM-Edited.png) ](https://triagecancer.org/) [ ![client](https://abacuslifesettlements.com/wp-content/uploads/2026/07/Cancer-Doctor-PNG.png) ](https://finder.cancerdoctor.com/) [ ![](https://abacuslifesettlements.com/wp-content/uploads/2025/12/White-Abacus-Life-Solutions-NYSE-Logo-1-1.png) ](http://abacuslifecares.com) [333 S. Garland Ave, 16th Floor Orlando, FL 32801](https://www.google.com/maps/search/?api=1&query=333+S+Garland+Ave,+Orlando,+FL+32801) [(888) 418-5784](tel:+18884185784) <info@abacuslife.com> [How to Get Started](/#getstarted) [Policy Options](/#options) [Success Stories](/#casestudies) [Frequently Asked Questions](/#Faqs) [One-Step Qualifier](/#form-viatical) --- © 2026 Abacus Life Settlements. Disclaimer: Abacus Life is not approved in all States. Abacus Life is a DBA of Abacus Settlements, LLC. Due to the inevitability of internet to enter States without intention, this website or any other correspondence does not constitute a solicitation for business in any particular State. This site is not intended for Louisiana, Texas, or Rhode Island residents. It is the responsibility of all intermediaries to follow the State laws and obtain any required licensure that corresponds to any particular financial or life settlement business in which they are engaging. Abacus Life will not accept business in States in which it is not licensed. The information contained in this site is not approved for or pertinent to Alaska or any other State in which Abacus is not licensed. We do not currently accept cases from AK. Copyright 2003-2026. --- ### [Meridian Life Settlement Calculator](https://abacuslifesettlements.com/meridian-senior/) **Published:** July 13, 2026 **Author:** Logan Brown **Content:** Abacus*Life* In partnership with Meridian *Senior Living* Free — No Obligation Affording Care # Turning Your Life Insurance Into a *Living Benefit* The cost of assisted living, memory care, or long-term care can feel overwhelming. Abacus Life has partnered with Meridian Senior Living to give families another way to fund quality care — by unlocking the value already sitting inside a life insurance policy. Find out in minutes what your policy may be worth. [Call 800-561-4148](tel:8005614148) [Watch Our Story](#abx-video) You may qualify if… - The policy face value is $100,000 or more - The insured is typically age 65 or older - It is a universal, whole, or convertible term policy - The policy has been in force for 2 or more years - There has been some change in health since issuance One-Step Policy Value Calculator Licensed in 49 States NYSE: ABX — Publicly Traded Response Within 24–48 Hours No Cost, No Obligation Knowing Your Financial Options ## A Trusted Way to Help Fund Quality Senior Care Facing the cost of senior living, memory care, or long-term care is one of the hardest parts of planning for a loved one. That is why Abacus Life has partnered with Meridian Senior Living — to give residents and their families another option for covering the cost of care. *At Abacus Life, we believe in receiving not just care, but quality care.* A life insurance policy is personal property — a living benefit with real, fair-market value, much like a home. Selling it for that value is your legal right, and for many families it opens up meaningful options for retirement and care. Life insurance is often a senior’s most valuable asset, yet millions of policies are surrendered for a fraction of their worth or simply allowed to lapse. Knowing what your policy is worth is the first step — and it costs nothing to find out. ### What a life settlement can help pay for - Independent living, assisted living, or memory care - Ongoing monthly residence and care fees - In-home care and long-term care expenses - General retirement income and medical costs About Abacus Life ## See How We Help Policyholders Unlock the Value of Their Life Insurance Millions of Americans surrender their life insurance every year for pennies on the dollar, or let it lapse entirely. As the first publicly traded life settlement company in the United States (NYSE: ABX), Abacus Life brings transparency, accountability, and financial strength that few other buyers can match — so families can make care decisions with confidence. 6–8× More than cash surrender value 49 States licensed NYSE: ABX Publicly traded & accountable 24–48h Typical response time The Process ## How a Life Settlement Works Selling a life insurance policy is simpler than most families expect. Abacus handles the entire process from start to finish. 01 ### Submit Your Information Complete the calculator above or call us. We’ll gather basic details about the policy and the insured’s health. 02 ### Receive a Free Estimate Within 24–48 hours, an Abacus specialist follows up with a preliminary estimate of the policy’s market value. 03 ### Review Your Offer If you’d like to proceed, we gather medical records and a life expectancy report to finalize a formal offer. No obligation at any stage. 04 ### Receive Your Payout Once you accept, ownership transfers and you receive a lump-sum payment — funds you can put toward care however you choose. Who Is Abacus Life? ## The industry’s trusted, publicly traded buyer Formed in New York’s financial district and now headquartered in Orlando, Abacus Life has been a leading buyer of consumer-sold life insurance policies in the United States for over two decades, with billions in policy face value purchased. Today, Abacus is the first publicly traded life settlement company in the country (NYSE: ABX). We handle each case individually and walk families through the entire process — showing the numbers, and the numbers behind the numbers. *Our approach is to be honest, consistent, and transparent at every point, and to bring maximum value to the client.* The Meridian Partnership ## Quality care, and a way to help fund it Meridian Senior Living operates senior living communities across the country, offering independent living, assisted living, and memory care with a focus on enriching residents’ lives every day. Together, Abacus and Meridian help residents and their families explore whether an existing life insurance policy can help fund the care they need — turning a policy that might otherwise lapse into a living benefit. Common Questions ## Frequently Asked Questions ### What is a life settlement? A life settlement is the sale of an existing life insurance policy to a third party for more than its cash surrender value, but less than its net death benefit. The buyer assumes future premium payments and receives the death benefit when the insured passes away. ### How can this help pay for senior living or memory care? The lump-sum payment from a life settlement can be used however you choose — including to help cover the cost of assisted living, memory care, in-home care, or monthly residence fees. There are no restrictions on how the funds are used. ### How much more will I get versus surrendering to the insurer? On average, policyholders who complete a life settlement receive six to eight times more than their insurance company’s cash surrender value. The exact amount depends on age, health, and policy terms. ### Do I have to be a Meridian resident to qualify? No. A life settlement is available to any policyholder who meets the general criteria, whether or not you are moving into a Meridian community. Meridian and Abacus have partnered simply to make this funding option easier for families to learn about. ### Is my personal and medical information kept confidential? Yes. Abacus Life treats all personal, financial, and medical information with strict confidentiality. Your information is protected by our privacy policy at every stage of the process. ### How long does the process take? The timeline varies by case, but most life settlements are completed within 60 to 120 days from the initial application. Our team works to move each case forward as efficiently as possible. ### Are life settlements regulated? Yes. Life settlements are regulated at the state level, and Abacus Life is licensed in 49 states. State regulations provide important consumer protections, including required disclosures and anti-fraud provisions. ### What happens to the policy after the sale? After the sale, the new owner takes over the policy and assumes all future premium payments. You receive your lump-sum cash payment and have no further obligations. ## Ready to Find Out What Your Policy Is Worth? It takes less than five minutes, with no cost and no obligation. [Get My Free Estimate](#abx-calc) [Call 800-561-4148](tel:8005614148) This page is for informational purposes only and is not an offer to purchase a life insurance policy. Estimates provided by the calculator reflect average pricing for discussion purposes only and are not an offer or bid. A life settlement may not be appropriate for everyone and may have tax consequences; please consult your own advisors. Abacus Life is licensed in 49 states. Meridian Senior Living and Abacus Life are separate companies. --- ### [Meridian Life Settlement Calculator](https://abacuslifesettlements.com/meridian/) **Published:** July 10, 2026 **Author:** Logan Brown **Content:** One-Step Life Settlement Calculator \| Abacus Life Free — No Obligation Life Settlement Calculator: # How Much Is Your *Policy Worth?* Find out in minutes. Abacus Life has helped thousands of policyholders unlock the hidden value in their life insurance — often receiving six to eight times more than the cash surrender value. [Call 800-561-4148](tel:8005614148) [Watch Our Commercial](#video) You may qualify if… - Your policy face value is $100,000 or more - The insured is typically age 65 or older - You hold a universal, whole, or convertible term policy - The policy has been in force for 2 or more years - There has been some change in health since issuance One-Step Calculator Licensed in 49 States NYSE: ABX — Publicly Traded Response Within 24–48 Hours No Cost, No Obligation About Abacus Life ## See How We Help Policyholders Unlock the Value of Their Life Insurance Life insurance is one of the most valuable assets you own — yet millions of Americans surrender their policies every year for pennies on the dollar, or simply let them lapse. As the first publicly traded life settlement company in the United States (NYSE: ABX), Abacus Life brings transparency, accountability, and financial strength that no other buyer can match. Watch our 60-second commercial to learn more. 6–8× More than cash surrender value 49 States licensed ~$3B Assets under management 2004 Year founded The Process ## How a Life Settlement Works Selling your life insurance policy is simpler than you think. Abacus handles the entire process from start to finish. 01 ### Submit Your Information Complete the one-step form above or call us. We’ll gather basic information about your policy and health status. 02 ### Receive a Free Estimate Within 24–48 hours, an Abacus specialist will contact you with a preliminary estimate of your policy’s market value. 03 ### Review Your Offer If you’d like to proceed, we obtain your medical records and life expectancy reports to finalize a formal offer. No obligation at any stage. 04 ### Receive Your Payout Once you accept an offer, ownership is transferred and you receive a lump-sum cash payment — typically six to eight times the cash surrender value. Common Questions ## Frequently Asked Questions ### What is a life settlement? A life settlement is the sale of an existing life insurance policy to a third party for more than its cash surrender value, but less than its net death benefit. The buyer assumes future premium payments and receives the death benefit when the insured passes away. ### How much more will I get versus surrendering to my insurance company? On average, policyholders who complete a life settlement receive six to eight times more than they would receive from their insurance company’s cash surrender value. The exact amount depends on your age, health, and policy terms. ### Is my personal and medical information kept confidential? Absolutely. Abacus Life treats all personal, financial, and medical information with strict confidentiality. Your information is never sold to third parties and is protected by our privacy policy at all stages of the process. ### How long does the life settlement process take? The timeline varies by case, but most life settlements are completed within 60 to 120 days from the initial application. Abacus Life’s experienced team works efficiently to move your case forward as quickly as possible. ### Are life settlements regulated? Yes. Life settlements are regulated at the state level, and Abacus Life is licensed in 49 states. State regulations provide important consumer protections, including required disclosures and anti-fraud provisions. ### What happens to my policy after the sale? After the sale, the new owner (Abacus Life or one of our institutional investors) takes over ownership of the policy and assumes all future premium payments. You receive your lump-sum cash payment and have no further obligations. ## Ready to Find Out What Your Policy Is Worth? It takes less than five minutes and there is absolutely no cost or obligation. [Get My Free Estimate](#calculator) [Call 800-561-4148](tel:8005614148) --- ### [Shane’s Email Signature Landing Page](https://abacuslifesettlements.com/shanes-email-signature-landing-page/) **Published:** May 26, 2026 **Author:** Andrew Brown **Content:** Shane McGonnell \| Abacus Life Settlements ![Shane McGonnell, Abacus Life Settlements](https://abacuslifesettlements.com/wp-content/uploads/2025/09/McGonnellS.png) Abacus Life Settlements  ·  NYSE: ABX # Shane McGonnell Chief Revenue Officer Shane McGonnell is Chief Revenue Officer at Abacus Life (NYSE: ABX), bringing over 25 years of financial services experience. He specializes in life settlements, estate planning, and alternative asset investments, and collaborates with financial advisors nationwide to develop customized strategies around life insurance options, retirement income planning, and long-term care funding. His insights have been featured in Forbes and Insurance News Net. [Get a Free Estimate](#calculator) [Book a Meeting](#book-meeting) 19.84% Abacus avg. paid (2025) Independent data confirms: Abacus pays more than the market — every single year. 16.27% Market average (2025) Third-Party Data ## Abacus vs. The Life Settlement Market Independent data confirms what our clients and advisors already know: Abacus Life consistently pays more than the market average, every single year. ![Bar chart comparing Abacus Life Settlements average percent paid by face value versus the life settlement market average from 2020 to 2024. Abacus consistently pays more each year.](https://abacuslifesettlements.com/wp-content/uploads/2026/05/2025-Abacus-Life-vs-Market-Volume-Summary-1-1.png) \*The 2021–2024 data above is sourced from *The Deal, Life Settlement Report* (Issued Annually). \*The 2025 data above is sourced from a press release issued by Coventry on April 16, 2026. Why Abacus ## We Pay the Most As the **only publicly traded life settlement company in the U.S. (NYSE: ABX)**, Abacus operates with full institutional transparency. Our nationwide network of buyers competes for each policy — driving your offer higher. Every step is handled in-house, so fewer hands touch the transaction and more of the proceeds go directly to you. 5+ Years consistently above market 49 States licensed nationwide $0 Cost to get an estimate Free Estimate ## How Much Is Your Policy Worth? Get a real estimate in as little as **24–48 hours** — no obligation, no cost. Schedule a Conversation ## Book Time With Shane Have questions about a policy or the process? Pick a time that works for you — no pressure, just answers. --- ### [Stu's Email Signature Landing Page](https://abacuslifesettlements.com/stus-email-signature-landing-page/) **Published:** May 26, 2026 **Author:** Andrew Brown **Content:** Stuart Little, CLU®, ChFC®, MBA \| Abacus Life Settlements ![Stuart Little, Abacus Life Settlements](https://abacuslifesettlements.com/wp-content/uploads/2025/09/LittleS.png) Abacus Life Settlements  ·  NYSE: ABX # Stuart Little, CLU®, ChFC®, MBA Vice President of Strategic Accounts Stuart Little is an experienced sales leader who oversees national strategy for the Financial Professional division at Abacus Life Solutions. He works closely with advisors across the country to provide life settlement education, tools, and support. His leadership helps ensure advisors can offer their clients innovative solutions for maximizing policy value. [Get a Free Estimate](#calculator) [Book a Meeting](#book-meeting) 19.84% Abacus avg. paid (2025) Independent data confirms: Abacus pays more than the market — every single year. 16.27% Market average (2025) Third-Party Data ## Abacus vs. The Life Settlement Market Independent data confirms what our clients and advisors already know: Abacus Life consistently pays more than the market average, every single year. ![Bar chart comparing Abacus Life Settlements average percent paid by face value versus the life settlement market average from 2020 to 2024. Abacus consistently pays more each year.](https://abacuslifesettlements.com/wp-content/uploads/2026/05/2025-Abacus-Life-vs-Market-Volume-Summary-1-1.png) \*The 2021–2024 data above is sourced from *The Deal, Life Settlement Report* (Issued Annually). \*The 2025 data above is sourced from a press release issued by Coventry on April 16, 2026. Why Abacus ## We Pay the Most As the **only publicly traded life settlement company in the U.S. (NYSE: ABX)**, Abacus operates with full institutional transparency. Our nationwide network of buyers competes for each policy — driving your offer higher. Every step is handled in-house, so fewer hands touch the transaction and more of the proceeds go directly to you. 5+ Years consistently above market 49 States licensed nationwide $0 Cost to get an estimate Free Estimate ## How Much Is Your Policy Worth? Get a real estimate in as little as **24–48 hours** — no obligation, no cost. Schedule a Conversation ## Book Time With Stuart Have questions about a policy or the process? Pick a time that works for you — no pressure, just answers. --- ### [Ashleigh's Email Signature Landing Page](https://abacuslifesettlements.com/ashleighs-email-signature-landing-page/) **Published:** May 26, 2026 **Author:** Andrew Brown **Content:** Ashleigh Hammad \| Abacus Life Settlements ![Ashleigh Hammad, Abacus Life Settlements](https://abacuslifesettlements.com/wp-content/uploads/2025/09/HammadA.png) Abacus Life Settlements  ·  NYSE: ABX # Ashleigh Hammad Director of Key Accounts Ashleigh Hammad leads key account strategy within the Financial Professional Sales division at Abacus Life Solutions. She works closely with the firm's largest and most strategic agent relationships, ensuring consistent engagement, service quality, and long-term partnership growth. In her leadership role, Ashleigh helps align the sales team around relationship management best practices and advisor success. [Get a Free Estimate](#calculator) [Book a Meeting](#book-meeting) 19.84% Abacus avg. paid (2025) Independent data confirms: Abacus pays more than the market — every single year. 16.27% Market average (2025) Third-Party Data ## Abacus vs. The Life Settlement Market Independent data confirms what our clients and advisors already know: Abacus Life consistently pays more than the market average, every single year. ![Bar chart comparing Abacus Life Settlements average percent paid by face value versus the life settlement market average from 2020 to 2024. Abacus consistently pays more each year.](https://abacuslifesettlements.com/wp-content/uploads/2026/05/2025-Abacus-Life-vs-Market-Volume-Summary-1-1.png) \*The 2021–2024 data above is sourced from *The Deal, Life Settlement Report* (Issued Annually). \*The 2025 data above is sourced from a press release issued by Coventry on April 16, 2026. Why Abacus ## We Pay the Most As the **only publicly traded life settlement company in the U.S. (NYSE: ABX)**, Abacus operates with full institutional transparency. Our nationwide network of buyers competes for each policy — driving your offer higher. Every step is handled in-house, so fewer hands touch the transaction and more of the proceeds go directly to you. 5+ Years consistently above market 49 States licensed nationwide $0 Cost to get an estimate Free Estimate ## How Much Is Your Policy Worth? Get a real estimate in as little as **24–48 hours** — no obligation, no cost. Schedule a Conversation ## Book Time With Ashleigh Have questions about a policy or the process? Pick a time that works for you — no pressure, just answers. --- ### [Crump Agent Calculator](https://abacuslifesettlements.com/crump-agent-calculator/) **Published:** May 26, 2026 **Author:** Andrew Brown **Content:** Calculate the Value of Your Policy \| Abacus Life Settlements![](https://abacuslifesettlements.com/wp-content/uploads/2026/05/Abacus-Life-New-Website-Photos-7.png) Abacus Life — For Advisors & Agents Advisor Tool: # Estimate the Value of *Your Client's Policy* Run a fast, confidential life settlement estimate for your clients in minutes. Help them unlock the hidden value in their life insurance policy — and differentiate your practice with a solution most advisors overlook. [Call (321) 999-3380](tel:3219993380) ★  Agent Use • Confidential • No Obligation  ★ Licensed in 49 States No Cost to Advisors 100% Confidential Instant Preliminary Estimate NYSE: ABX Advisor Resource ## Your Clients May Be *Sitting on Hidden Value* Many of your clients are holding life insurance policies they no longer need — and are considering lapsing or surrendering them back to the carrier for pennies on the dollar. A life settlement gives them a significantly better alternative: a lump-sum cash payment from the secondary market, often six to eight times more than the policy's cash surrender value. Use the calculator above to run a preliminary estimate for any qualifying client in minutes. There is no cost or obligation to you or your client. An Abacus Life specialist is available to support you through every step of the process, from initial valuation to closing. **Important:** This tool is for licensed advisor and agent use only and provides preliminary estimates subject to full underwriting review. Abacus Life handles all compliance, paperwork, and closing support so you can focus on your client relationship. Questions? Contact your dedicated Abacus Life representative at [(321) 999-3380](tel:3219993380). Client Eligibility ## Does Your Client Qualify? Identifying a qualifying client is straightforward. Here are the three key criteria to look for when evaluating whether a life settlement is the right conversation to have. ### Age 65 or Older The ideal life settlement candidate is 65 or older. Younger insureds with significant health changes may also qualify, making age just one part of the overall picture. ### Change in Health Status A decline in the insured's health since the policy was issued typically increases settlement value. Chronic illness, reduced life expectancy, or a recent diagnosis are strong indicators of eligibility. ### Policy Face Value $100K+ Policies with a death benefit of $100,000 or more are the most competitive in the secondary market. Universal life, whole life, and convertible term policies are all commonly eligible. Common Questions ## Frequently Asked Questions Common questions from advisors and agents about working with Abacus Life and placing life settlement cases. [ (321) 999-3380 ](tel:3219993380) What types of policies qualify for a life settlement? Most types of life insurance policies may qualify, including universal life, whole life, variable universal life, and convertible term policies. When evaluating a case, the most important factors are the face value of the policy, the age and health of the insured, and premium obligations. Our team can help you quickly assess eligibility for any client. How does a life settlement compare to a policy lapse or surrender? When a client lapses or surrenders a policy, they receive only the cash surrender value — or nothing at all. A life settlement pays the client a lump sum from the secondary market, typically six to eight times more than the surrender value. For clients who no longer need coverage, this is almost always the superior financial outcome and a conversation worth having. How does Abacus Life support advisors through the process? Abacus Life provides full back-office support to advisors and agents. We handle APS retrieval, life expectancy evaluation, pre-pricing, compliance, and all closing paperwork. You stay focused on the client relationship while we manage the transaction from start to finish. Is there a cost to advisors for using this calculator or placing a case? There is no cost to you as an advisor. The calculator is free to use and there is no obligation to proceed. Abacus Life is compensated at closing, and advisors are eligible to receive compensation for cases they refer. Contact us to learn more about our advisor compensation structure. How long does a typical life settlement case take to close? Most life settlement cases close within 60 to 120 days from initial submission. Timing can vary depending on the responsiveness of the insurance carrier and case complexity. Abacus Life actively manages each case to keep the process moving and keep you informed at every stage. Why should I partner with Abacus Life over other providers? Abacus Life is the first and only publicly traded life settlement company in the United States, listed on the New York Stock Exchange under the ticker symbol ABX. We are licensed in 49 states, subject to rigorous regulatory oversight, and have a proven track record of delivering competitive offers and exceptional service to advisors and their clients. ## Ready to Add Life Settlements to Your Practice? Run a free estimate for your next qualifying client and see why top advisors trust Abacus Life. [Run a Client Estimate](#calculator) [Call (321) 999-3380](tel:3219993380) Learn More ## Explore Our Resources [ Advisor Resource### Life Settlement Guide A comprehensive overview of how life settlements work, client eligibility criteria, and how to introduce the topic in your practice. Read the Guide → ](/learn-how-life-settlements-work/) [ Industry History### Timeline of Life Settlements From the 1911 Supreme Court ruling to Abacus Life on the NYSE — explore the history of the life settlement industry. View Timeline → ](/timeline-of-life-settlements/) [ Case Studies### Advisor Success Stories See real-world examples of advisors who identified life settlement opportunities for their clients and the outcomes they delivered. View Case Studies → ](/case-studies/) --- ### [Life Settlement Calculator](https://abacuslifesettlements.com/calculate-li/) **Published:** February 27, 2026 **Author:** Logan Brown **Content:** # Try Our Policy Valuation Calculator (Agent Use Only) Get a preliminary estimate for your client’s policy. Please enter *your contact information* and *your client’s policy details.* **How it Works:** - Enter Your Contact Information - Enter Your Client’s Policy Information - Receive an Instant Estimate Not an agent? **[Click here ](https://abacuslifesettlements.com/qualify-a-life-settlement/)**to learn about selling your policy. ## Why Agents Choose Abacus *For over two decades, insurance professionals have trusted Abacus to help maximize value for their clients.* **20+ Years in the Secondary Market:** Experience matters. Our team has deep expertise navigating life settlement transactions across a wide range of policy types. **Dedicated Case Design Support:** We work directly with experienced case managers who help structure and position your client’s policy for optimal value. **Fast, Efficient Turnaround:** We move quickly from estimate to formal offer, keeping you informed at every stage. **Competitive Market-Based Offers:** We leverage our institutional relationships to help secure strong, competitive valuations. **No Obligation to Submit:** Use the calculator to explore potential value, there is no requirement to move forward. ## More Information [Life Settlement Guide](#) [Viatical Settlement Guide](#) --- ### [Who Qualifies for a Life Settlement?](https://abacuslifesettlements.com/who-qualifies-for-a-life-settlement/) **Published:** February 23, 2026 **Author:** Andrew Brown **Content:** # What Policies Typically Qualify? Understanding eligibility before a policy lapses can help clients unlock meaningful value and give advisors an additional planning solution. [Check Policy Eligibility](#) ![](https://abacuslifesettlements.com/wp-content/uploads/2026/02/Old-Man-2-for-Website-1.png) ## Highest Likelihood: UL / GUL / VUL Policies Universal Life policies (including Guaranteed UL and Variable UL) are often the strongest candidates for life settlements. These policies frequently carry significant premiums and may be surrendered for little or no cash value, despite having real secondary market value. ## Possible: Convertible Term Policies In some cases, term policies can qualify for a life settlement if they are still within the conversion period. This can allow clients to recover value from a policy that might otherwise expire with no return. ## Least Likely: Whole Life Policies Whole life policies are typically less likely to qualify for life settlements. However, every case is different, and policies may still be worth reviewing depending on structure and client needs. ## A Quick Eligibility Checklist ### Step 1 ![](https://abacuslifesettlements.com/wp-content/uploads/2026/02/Steve-Grasso-Headshot-4.png) Client is typically age 65 or older ### Step 2 ![](https://abacuslifesettlements.com/wp-content/uploads/2026/02/Steve-Grasso-Headshot-5.png) Policy face amount is generally $100,000+ ### Step 3 ![](https://abacuslifesettlements.com/wp-content/uploads/2026/02/Steve-Grasso-Headshot-6.png) Policy type is UL, GUL, VUL, or convertible term ### Step 4 ![](https://abacuslifesettlements.com/wp-content/uploads/2026/02/Steve-Grasso-Headshot-7.png) Premiums no longer make sense ### Step 5 ![](https://abacuslifesettlements.com/wp-content/uploads/2026/02/Steve-Grasso-Headshot-8.png) Client’s health may have changed since issue ## Want to See if a Policy Qualifies? If you have a policy in mind, Abacus Life can provide a fast, no-cost review. You can also use our calculator to get a preliminary estimate. [Request a Free Valuation](#) ![](https://abacuslifesettlements.com/wp-content/uploads/2026/02/Old-Man-2-for-Website-6.png) --- ### [What Is a Life Settlement?](https://abacuslifesettlements.com/what-are-life-settlements/) **Published:** February 23, 2026 **Author:** Andrew Brown **Content:** # What is a Life Settlement? Understanding how the secondary market works can create better outcomes for senior clients. ![](https://abacuslifesettlements.com/wp-content/uploads/2026/02/Old-Man-2-for-Website.png) ## Unlock More Value from Existing Life Insurance A life settlement allows eligible policyholders to sell an unwanted life insurance policy for more than its cash surrender value. As clients age, their financial priorities change. Many seniors continue paying for life insurance they no longer need or can no longer afford. Before a policy is lapsed or surrendered, it may be worth reviewing whether a life settlement could provide a better outcome. [Check Your Eligibility](#) ## When Policies No Longer Fit It’s common for clients to hold policies that made sense years ago, but no longer align with their current situation. In many cases, the policy is simply surrendered for minimal value, or lapsed entirely, without exploring other options. **Common reasons policies are surrendered or lapsed:** - Premiums have become too expensive - Estate planning needs have changed - The original business or family purpose is no longer relevant - The client would rather have liquidity than ongoing coverage ## How a Life Settlement Works A life settlement provides an alternative to lapse or surrender. If a policy qualifies, the policyholder may be able to sell it for a lump-sum payment. This gives the client immediate financial flexibility and can turn an unwanted policy into a meaningful asset. ### Step 1 ![](https://abacuslifesettlements.com/wp-content/uploads/2026/02/Steve-Grasso-Headshot-10.png) Submit policy details for review ### Step 2 ![](https://abacuslifesettlements.com/wp-content/uploads/2026/02/Steve-Grasso-Headshot-11.png) Abacus evaluates the policy and determines fair market value ### Step 3 ![](https://abacuslifesettlements.com/wp-content/uploads/2026/02/Steve-Grasso-Headshot-12.png) If an offer is made and accepted, the client receives a lump-sum payout ## Same Policy. Different Outcome. Many policies are worth significantly more than their cash surrender value, especially universal life policies with high premiums. In one example, a client’s policy had an $82,000 surrender value. After review, the life settlement offer was $615,000. Before a client surrenders or lapses a policy, it may be worth reviewing the secondary market value. ## A Transparent, Advisor-Friendly Process Abacus Life is one of the most experienced providers in the life settlement market. We work directly with advisors and agents to help review policies and identify opportunities that may deliver stronger client outcomes. **Our process is designed to be:** - Fast – Fair market valuation typically in 24–48 hours - Transparent – Clear communication throughout the review process - Advisor-friendly – No middlemen and streamlined contracting ## Have a Policy in Mind? If you’re working with a senior client who may be considering surrendering or lapsing a policy, we can help you quickly evaluate whether a life settlement may be a fit. [Check Your Eligibility](#) ![](https://abacuslifesettlements.com/wp-content/uploads/2026/02/Old-Man-2-for-Website-5.png) --- ### [Life Settlement Calculator - Brandon LinkedIn](https://abacuslifesettlements.com/calculate-brandon-linkedin/) **Published:** January 26, 2026 **Author:** Logan Brown **Content:** # Run Average Pricing on your Life Settlement Case (Agent Use) As always, speak with your Abacus representative to get more insight particular cases and 24-hour detailed pricing. **Thank you for using The Abacus Life Settlement Calculator. To formally submit this case contact us directly at [1-800-561-4148](tel:18005614148).** --- ### [Life Settlement Calculator - Stu LinkedIn](https://abacuslifesettlements.com/calculate-stu-linkedin/) **Published:** January 26, 2026 **Author:** Logan Brown **Content:** # Run Average Pricing on your Life Settlement Case (Agent Use) As always, speak with your Abacus representative to get more insight particular cases and 24-hour detailed pricing. **Thank you for using The Abacus Life Settlement Calculator. To formally submit this case contact us directly at [1-800-561-4148](tel:18005614148).** --- ### [Shane Life Settlement Calculator](https://abacuslifesettlements.com/shane/) **Published:** November 5, 2025 **Author:** Logan Brown **Content:** # Run Average Pricing on your Life Settlement Case (Agent Use) As always, speak with your Abacus representative to get more insight particular cases and 24-hour detailed pricing. **Thank you for using The Abacus Life Settlement Calculator. To formally submit this case contact us directly at [1-800-561-4148](tel:18005614148).** --- ### [Crump Life Settlement Calculator](https://abacuslifesettlements.com/crump-life-settlement-calculator/) **Published:** September 25, 2025 **Author:** Andrew Brown **Content:** # Run Average Pricing on your Life Settlement Case (Agent Use) As always, speak with your Abacus representative to get more insight particular cases and 24-hour detailed pricing. **Thank you for using The Abacus Life Settlement Calculator. To formally submit this case contact us directly at [1-800-561-4148](tel:18005614148).** --- ### [Agent DSP Thank You](https://abacuslifesettlements.com/agent-dsp-thank-you/) **Published:** September 9, 2025 **Author:** Logan Brown **Content:** ### **Thank you!** Your personal Abacus team member will be in touch shortly. They will guide you through the entire process and answer any questions you may have to ensure sure that your experience and results are professionally handled. ### Here is a breakdown of the estimated value of your policy: | **Very Healthy** | Loading… | **Very Unhealthy** | Loading… | |---|---|---|---| | **Healthy** | Loading… | **Critically Unhealthy** | Loading… | | **Slightly Unhealthy** | Loading… | **Terminal Illness** | Loading… | ###### *This is not an offer or bid. This is average pricing for discussion purposes only.* ## What’s Next? 1 Your Abacus account manager will contact you directly to discuss your potential life settlement case. If you’d like a call at a specific time, you can schedule it on this page. 2 After a brief qualifying call, we will order any relevant paperwork (policy information, health records, etc…) that is needed for underwriting with your permission 3 Your account manager will then price your case and provide you with an offer on your life insurance policy. 4 Once the offer is accepted, a brief contracting process will begin; after which Abacus will immediately send your funds. ## Schedule a Call --- ### [Agent DSP Life Settlement Calculator](https://abacuslifesettlements.com/dsp-calculate/) **Published:** September 9, 2025 **Author:** Logan Brown **Content:** # Run Average Pricing on your Life Settlement Case (Agent Use) As always, speak with your Abacus representative to get more insight particular cases and 24-hour detailed pricing. **Thank you for using The Abacus Life Settlement Calculator. To formally submit this case contact us directly at [1-800-561-4148](tel:18005614148).** --- ### [LIBRA Settlement Calculator](https://abacuslifesettlements.com/libra-life-settlement-calculator/) **Published:** July 30, 2025 **Author:** Hannah Crosby **Content:** # Run Average Pricing on your Life Settlement Case (Agent Use) As always, speak with your Abacus representative to get more insight particular cases and 24-hour detailed pricing. **Thank you for using The Abacus Life Settlement Calculator. To formally submit this case contact us directly at [1-800-561-4148](tel:18005614148).** --- ### [Thank You](https://abacuslifesettlements.com/thank-you-2/) **Published:** November 11, 2024 **Author:** Admin **Content:** Thank You \| Your Estimated Policy Value \| Abacus Life Thank You • Estimate Received # Your *Estimated Policy Value* Here is a preliminary range of what your policy may be worth on the secondary market. An Abacus Life specialist will follow up to confirm your eligibility and refine the estimate. [See Your Results](#results) [Book a Meeting](#schedule) Preliminary Estimate ## Estimated Policy Value by Health Scenario Settlement value generally rises as the insured's health declines. Your actual offer depends on a full review of the policy and health history. Very Healthy No significant health impairments Calculating… Healthy Minor, well-managed conditions Calculating… Slightly Unhealthy Some notable health conditions Calculating… Very Unhealthy Serious, reduced life expectancy Calculating… Critically Unhealthy Severe or terminal diagnosis Calculating… **Preliminary estimate only.** These figures are illustrative and are not an offer. Your final value is determined after a full review, including underwriting, life expectancy, and carrier verification. Questions? Call [800-561-4148](tel:8005614148). What Happens Next ## Your Next Steps 1 ### We Review Your Policy An Abacus Life specialist reviews the details you submitted and confirms whether your policy qualifies for a life settlement. 2 ### We Refine Your Estimate We gather your policy and medical records, complete a life expectancy review, and turn the preliminary range into a firm offer. 3 ### You Get Paid If you accept, we handle all the paperwork and you receive a lump-sum cash payment, with no pressure and no obligation along the way. Book a Time ## Schedule Your Free Consultation Pick a time that works for you and speak with an Abacus Life specialist about your policy. Loading calendar… ## Have Questions About Your Estimate? Our team is here to help, with no cost and no obligation. [Call 800-561-4148](tel:8005614148) [Run Another Estimate](https://abacuslifesettlements.com/) Continue Learning ## Explore More Resources [ The Basics### Life Settlement Guide Everything you need to know about how life settlements work, who qualifies, and what to expect throughout the process. Read the Guide → ](/learn-how-life-settlements-work/) [ Industry History### Timeline of Life Settlements From a 1911 Supreme Court ruling to the NYSE, trace the full history of the life settlement industry. View Timeline → ](/timeline-of-life-settlements/) [ Real Clients### Success Stories Read real case studies from policyholders who received life-changing payouts through Abacus Life. View Case Studies → ](/case-studies/) --- ### [Thank You. Your Client's Estimated Value Is Ready.](https://abacuslifesettlements.com/thank-you-agent/) **Published:** January 11, 2024 **Author:** Admin **Content:** Thank You \| Your Client's Estimated Policy Value \| Abacus Life Thank You • Estimate Received # Your Client's *Estimated Value* Here is a preliminary range of what your client's policy may be worth on the secondary market. A specialist will follow up to confirm eligibility. [See Your Results](#results) [Book a Meeting](#schedule) Preliminary Estimate ## Estimated Policy Value by Health Scenario Settlement value generally rises as the insured's health declines. Your client's actual offer depends on full underwriting review. Standard Health No significant health impairments Calculating… Slight Impairment Minor, well-managed conditions Calculating… Moderate Impairment Notable decline since issue Calculating… High Impairment Serious health conditions Calculating… Extreme Impairment Severe, reduced life expectancy Calculating… Terminal Terminal diagnosis Calculating… **Preliminary estimate for licensed advisor use only.** These figures are illustrative and are not an offer. Final value is determined after underwriting, life expectancy review, and carrier verification. Questions? Call [800-561-4148](tel:8005614148). What Happens Next ## Your Next Steps 1 ### We Review the Case An Abacus Life specialist reviews the details you submitted and confirms whether your client is a strong candidate for a life settlement. 2 ### We Refine the Estimate We gather medical records and policy documents, complete a life expectancy review, and produce a firm, underwritten valuation. 3 ### You Deliver the Offer We manage compliance and closing paperwork start to finish, so you can present the result and strengthen your client relationship. Book a Time ## Schedule a Call Pick a time that works for you and speak directly with an Abacus Life specialist about this case. ## Have a Question About This Case? Your dedicated Abacus Life team is standing by to help. [Call 800-561-4148](tel:8005614148) [Run Another Estimate](https://abacuslifesettlements.com/calculate/) Learn More ## Explore Our Resources [ Advisor Resource### Life Settlement Guide How life settlements work, client eligibility, and how to introduce the topic in your practice. Read the Guide → ](/learn-how-life-settlements-work/) [ Industry History### Timeline of Life Settlements From the 1911 Supreme Court ruling to Abacus Life on the NYSE, explore the history of the industry. View Timeline → ](/timeline-of-life-settlements/) [ Case Studies### Advisor Success Stories Real examples of advisors who identified life settlement opportunities and the outcomes they delivered. View Case Studies → ](/case-studies/) --- ### [Thank You! (Policy Options)](https://abacuslifesettlements.com/qualify-a-life-settlement/policy-options/) **Published:** April 11, 2023 **Author:** Admin **Content:** Your Next Step \| Abacus Life A note from Abacus Life # Your policy may not qualify for a settlement today — but your options don't end here. Based on what you shared, a traditional life settlement isn't the right fit right now. That's more common than you might think — and the people in your position usually still have strong next steps. Tell us what matters most to you, and the right specialist will follow up. Choose the path that fits your goals Financial Management ## Retirement Income Planning Not sure what to do with your policy? A Retirable advisor can look at your whole financial picture, including your savings, Social Security timing, healthcare costs and your life insurance. They can help you decide whether your policy is still worth keeping, and build a plan designed to turn your savings into monthly income. - A personalized retirement income plan - A dedicated, licensed advisor who knows your situation - No cost and no obligation to start the conversation Have Retirable call me → Life Insurance ## Replacement Life Insurance Keep the protection, lose the pain. AccuQuote — part of the Abacus Life Solutions family — can review your current coverage and look for a policy that fits where you are today: lower premiums, better-suited coverage, or both. - A licensed specialist reviews your current coverage - Top-rated carriers competing for your business - No cost and no obligation to start the conversation I'm interested in Replacement Life Insurance → Selecting an option lets us share the contact information you already provided with that specialist team so they can follow up with you. There is no cost and no obligation, and you can opt out at any time. ### Whichever path you choose No pressure A conversation, not a commitment. You decide what happens next. Licensed specialists You'll only ever speak with licensed professionals. The Abacus standard Partners we trust, held to the same values we hold ourselves to. [ ] --- ### [Life Settlement Application](https://abacuslifesettlements.com/application/) **Published:** April 6, 2021 **Author:** Admin **Content:** --- ### [Abacus Marketing Office (AMO)](https://abacuslifesettlements.com/amo/) **Published:** February 9, 2021 **Author:** Admin **Content:** # Partner with Abacus Life Even though life insurance is often an individual’s biggest asset, the vast majority of life insurance policies lapse. 90% of seniors surveyed stated they would have considered selling all or a portion of their life insurance policy had they known it was an option they could even consider. As higher numbers of Americans are entering retirement age, that awareness becomes increasingly more important. As one of the largest vertically integrated providers in the industry, Abacus Life has created a thoroughly consistent and transparent approach to determine the **[valuation of a policy](https://abacuslifesettlements.com/policy-valuation/).** From APS retrievals and life expectancy evaluations, to pre-pricing and direct purchasing, we support the entire buying process and will walk you and your client through every step of the way.  ### Free quote in 24 hours Pricing is as seamless as providing an illustration and a summary of the client’s medical history. An offer is typically generated in less than 24 hours. ### Simplified underwriting A brief 20-minute confidential call with a professional underwriter followed by analysis and evaluation means your client will receive their offer in a fraction of the time. ### Streamlined contracting Abacus has streamlined the process, reducing contract processing by 30% and ensuring funds to your client with no delays. ### Institutional capital Abacus is one of the largest investors in the industry, with $3 billion in policies purchased over the last 15 years. ### Turn-key solution We offer a full turn-key solution, including medical records retrieval, illustration requests, and licensing support. There are no middle men and we charge no intermediary fees. ## AMO Marketing Timeline ### BECOME AN ABACUS MARKETING OFFICE Become appointed with Abacus Life and receive downline protection and white-label **[marketing materials.](https://abacuslifesettlements.com/marketing-materials/)** Additionally, Abacus provides $5M E&O coverage, full back-office support and online tools for your producers to submit a case. ### WHITE GLOVE SERVICE At Abacus, we streamline the settlement process with 24-hour offers, zero intermediary fees, and unsurpassed customer service. **30 DAYS** • **Launch**: We schedule a call with Abacus President & CEO and your firm’s Regional Representatives • **Train**: Abacus will host a Webinar for all producers under your umbrella discussing life insurance **60 DAYS** - **Training Follow Up**: We will continue to direct and educate your producers about life insurance options on your behalf with specialized marketing material **90 DAYS** - **Road Show**: Abacus will visit your Producer’s offices on your behalf for in person training ## Premium Finance MALE, AGE 87 **Product**: Phoenix Accumulator with ROP **Face** **Value**: $17,500,000 Premium Finance Details - - Loan Amount – $7,405,000 - Policy CSV – $5,217,638 - **Loan Shortfall – $2,187,362** ![](https://abacuslifesettlements.com/wp-content/uploads/2025/07/oldman.png) #### **THE ISSUE:** The insured’s policy began to underperform due to COI in-creases and low interest earned in the CSV. The loan was upside down by **$2,187,362** tying up large amounts of the owner’s assets as collateral. Additionally, the carrier rating dropped to C+, concerning the lender. #### **ABACUS OPTION:** Abacus helped the insured pay the full $7,405,000 loan balance and the insured received a substantial profit over the loan. Abacus freed the owners collateral and they collected an additional $426,000 in proceeds, creating a $2.5M asset swing for the owner in just 30 days. #### **NEXT STEPS:** Review your client list for Phoenix Accumulator with Return of Premium policies, focusing on males over seventy-five and females over seventy-eight. Send Abacus a current illustration to age one hundred, and you’ll receive a same-day policy valuation. ## About Abacus At [**Abacus Life**](https://abacuslifesettlements.com/about-us/), we want to provide the information your client deserves, so they can decide if selling a policy, or a portion of it, is right for them. We handle each case individually and will walk you and your client through the entire process, showing the numbers and the numbers behind the numbers — all policy valuations, underwriting, costs and returns — so they can make the most informed decision for their financial future. Ready to learn more? Email us at **[info@abacuslife.com ](mailto:info@abacuslife.com)**or call **[800.561.4148 ](tel:8005614148)**today. We’re here to help every step of the way. --- ### [Viatical Settlement - Copingmag](https://abacuslifesettlements.com/viatical-settlement/) **Published:** May 12, 2020 **Author:** Admin **Content:** # Abacus Life Cares – # Welcome to Our # Viatical Settlement Guide This page provides up-to-date information to help you understand more about viatical settlements and whether this option is right for you and your loved ones. Learn the value of your life insurance policy today by calling us at [**(888) 418-5784**](tel:8884185784), or fill out the One-Step Qualifier Form below. [One-Step Qualifier](#form-viatical) ## What is a Viatical Settlement? A ***viatical settlement*** is a specific type of life settlement designed for individuals diagnosed with a life-threatening illness. This legal option allows policyholders to sell their life insurance policy for a cash amount that is higher than the surrender value but less than the full face value. In exchange for transferring ownership, the insured receives a lump-sum payment — often up to ***six to eight times*** the policy’s cash surrender value. Unlike a loan, a viatical settlement is a one-time transaction. The seller releases ownership of the policy in return for a cash payout, which can be used entirely at their discretion. If the insured meets certain criteria confirmed by a medical professional, the IRS may consider the transaction tax-free. ## How Is This Option Different Than Normal Life Insurance Purchases? Selling your life insurance policy to pay for medical needs is specifically for individuals suffering from a life-threatening illness. The transaction may be tax-free, so long as the insured meets specific criteria stated by a medical professional. It is essentially the same as other life settlement options at its core. The significant caveat is that the insured is typically suffering from a life-threatening illness. ## **Viatical Life Settlements** - The insured is terminally/chronically ill. - The proceeds typically range from 50% to 80% of the policy’s face value. - The IRS may allow proceeds to be received as a tax-free gain so long as the insured meets specific criteria as stated by a medical professional. ## **Standard Life Settlements** - The insured is typically a senior in their late 70s. - The proceeds are usually around 10% to 80% of the policy’s face value, depending on life expectancy. - The funds are generally subject to taxation unless they meet IRS guidelines. ## Case Studies ![](https://abacuslifesettlements.com/wp-content/uploads/2025/07/oldman.png) ### Sam, 75, of Boca Raton, Florida **$150,000 Policy \| Abacus Offer: $90,000** Sam was recently diagnosed with stage 4 rectal cancer and needed funds immediately to assist with treatment. He had a term policy that had a face value of $150,000, and he was planning to surrender it so he could utilize those monthly payments towards his treatment. Instead, he discovered life settlements and reached out to Abacus. **After we reviewed his case, Abacus offered him $90,000, which helped him pay for the treatment plan he wanted to pursue.** ![](https://abacuslifesettlements.com/wp-content/uploads/2025/07/Diane-Funding-Medical-Care-for-Website-1.png) ### Alyssa, 79, of Houston, Texas **$600,00 Policy \| Abacus Offer: $390,000** Alyssa had a $600,000 permanent policy and was prepared to surrender the policy for a cash value of $2,500 from the life insurance carrier. **She was able to receive $390,000 for the policy, and the owner was able to use the proceeds to cover their medical costs because of Abacus.** ## Am I Eligible? To qualify for a viatical settlement, the insured must have been diagnosed with a life-threatening illness such as cancer or ALS (Lou Gehrig’s Disease). Most types of policies qualify for sale, including term life. On average, **Abacus Life** pays the policyholder six to eight times more than their life insurance policy’s cash surrender value. **As a direct buyer, Abacus has created a streamlined process so you can sell your policy and receive these needed funds as quickly as possible.** [One-Step Qualifier](#form-viatical) [Call (888) 418-5784](tel:8884185784) ## How Many Different Options Are There? **Traditional** The Traditional option is to sell your full life insurance policy for a cash amount above the policy’s surrender value. You have no further obligations or claims to the policy, with all future premiums paid by the buyer. - Cash Lump Sum - No Future Payments **Retained Benefit** The Retained Benefit option means you would no longer pay any premiums and retain a portion of your benefit. When the policy ends, beneficiaries will receive a guaranteed percentage, but you have no further obligations or payments to make. - Guaranteed Percentage - No Future Payments **Hybrid** The Hybrid option is a combination of two, where you would sell a portion of your life insurance policy. With this option, you receive a cash payment now, your beneficiary receives a guaranteed percentage of the benefit when the policy ends, and you have no further obligation to pay future premiums. - Guaranteed Percentage - Cash Lump Sum - No Future Payments ## How Much is My Policy Worth? Policy values are determined on a case-by-case basis, and there is no one-size-fits-all answer. Abacus will evaluate your specific situation with the highest level of professionalism and confidentiality, as well as with compassion and sensitivity to your situation. To provide your options, we will need to review the following: - Policy Type - Policy Face Value and Premiums - Age and Health Status of the Insured To find out what your policy is worth, and what options may be available to you, please complete the form below, or contact us at [**(888) 418-5784**](tel:8884185784) to speak with a member of our team. Please enable JavaScript in your browser to complete this form. ![Abacus Life - NYSE | ABX](https://abacuslifesettlements.com/wp-content/uploads/2026/09/Abacus-Life-Solutions-NYSE-Logo-2.png) ## One-Step Qualifier Form (Please fill out the form below with your information, and a member of our team will reach out to you shortly.) Full Name \* Phone Number \* Email Address \* Health only) Address Gender of Insured \*MaleFemale Age \* Policy Type \*Term ConversionUniversal LifeSurvivorship Universal LifeSUL (One Deceased)Variable Universal LifeGuaranteed Universal LifeIndexed Universal LifeWhole Life Policy Amount (numbers only) \* Health Issues How did you hear about us?EmailPhone CallCopingmag.comOther Submit ## Other Frequently Asked Questions ### [What is the Viatical Settlement Process?](#) **Step 1: Deciding to Sell** Before deciding to sell your policy, the policyholder and their beneficiaries must consciously pursue this option. That means contacting your financial advisor or the Abacus team and looking into all alternatives to ensure that it is the most beneficial solution for you. There is no cost or obligation to accept an offer at any time. **Step 2: Determining Eligibility** Certain specifics determine if an individual will qualify, such as premiums, the life expectancy of the insured, and the policy’s face value. The information disclosed will be used by an in-house medical underwriter who will calculate the insured’s life expectancy using medical records and determine how much the policy is worth at no cost to the insured. **Step 3: The Offer** Abacus, or the chosen buyer, would then extend an offer to the insured. The proposal would be more than the price but less than the net face value. The buyer must be licensed in the state in which the owner of the policy resides. **Step 4: Acceptance** If the amount offered by the licensed buyer is acceptable to the policy seller, they can choose to accept the offer and request the required documents for review. **Step 5: Contracts** At this time, the licensed buyer generates state-approved contracting documents. These documents record the life settlement transaction and spell out the agreement between the seller and the purchaser. Both parties must sign and notarize the contracts. **Step 6: Verification** Once the contracts are executed and all the required accompanying documents are received, the verification process begins. Often completed by a third party like a law firm, this verification agent will check that all the contracting forms have been completed correctly. They may also check that the policy is in full force and good standing with the insurance company. They will verify that the funds for the purchase are in an escrow account for the policy seller. **Step 7: Change of Ownership** Subsequently, we send a request for an ownership change to the insurance carrier. This ensures that the owner is changed from the current policyholder to the buyer or the financing entity that the buyer names as owner. **Step 8: Funds Transfer** After the insurance carrier has confirmed that the purchaser is listed as the owner, the escrow agent is instructed to release the funds to the seller. The new owner is now responsible for all premiums, and the seller has received payment for the transaction. **This is the last step of the process and concludes the transaction. The insured is then free to use the money at their discretion.** ### [Are Viatical Settlements Taxable?](#) The transaction may be tax-free, as long as the insured meets certain criteria. A medical professional, usually a doctor, confirms the terminal diagnosis. For more information on how life insurance proceeds are taxed, visit the [**IRS**](https://www.irs.gov/faqs/interest-dividends-other-types-of-income/life-insurance-disability-insurance-proceeds). Please consult a CPA or Tax expert for more information. ### [Are there Any Viatical Settlement Regulations?](#) Over the past decade, the market has become incredibly well regulated. The entire life settlement market is regulated on a state-by-state basis instead of nationally. Therefore, the responsibility falls on each state’s government to make sure that companies are behaving ethically. The majority of states do require specific licensing and practice strict oversight to ensure customer safety. Here at Abacus Life, we are proud to share that we are licensed for life and viatical settlements in all states excluding Alaska. ### [When Is the Right Time to Pursue a Viatical Settlement?](#) For many individuals facing a life-threatening illness, a viatical settlement is a viable financial solution. There are many reasons why selling your policy may be the right decision for you and your family. Some of these reasons include: - Replace lost income - Pay day-to-day expenses - Pay medical bills and copays - Fund alternative treatments - Pay for home health care - Pay for nursing home expenses - Eliminate debt proactively - Fulfill wishes or dreams (bucket list) - Improves your quality of life ![](https://abacuslifesettlements.com/wp-content/uploads/2021/05/LS-3.jpg) ## How Do I Get Started? Abacus Life Settlements is a licensed life settlement company that takes a client-first approach. We don’t believe that you should wait for the industry standard 45-60 days for life-saving treatment. A life settlement allows you to focus on what is most important right now. To get started, simply fill out our One-Step Qualifier form below, or call us directly at [**(888) 418-5784**](tel:8884185784). We will review your information and provide an initial, no-obligation offer within 24-48 hours of contacting us, assuming you qualify. [ One-Step Qualifier ](#form-viatical) ## Financial Resources [ ![client](https://abacuslifesettlements.com/wp-content/uploads/2020/05/Co_PayLogo_withTagline_RGBx500.png) ](http://www.copays.org/) [ ![client](https://abacuslifesettlements.com/wp-content/uploads/2020/05/CareCredit_Tag_RGB-Rx500.jpg) ](https://www.carecredit.com/) [ ![client](https://abacuslifesettlements.com/wp-content/uploads/2020/05/PPA-Logox500.jpg) ](http://www.pparx.org/) [ ![client](https://abacuslifesettlements.com/wp-content/uploads/2020/05/03ur1U8zMQIMSstyVKLki1j-5.fit_scale.size_1028x578.v_1569476924x500.jpg) ](https://www.gofundme.com/) [ ![client](https://abacuslifesettlements.com/wp-content/uploads/2020/05/resource-panfoundationx500-1.jpg) ](http://www.panfoundation.org/) [ ![client](https://abacuslifesettlements.com/wp-content/uploads/2026/02/A-Triage-Cancer-Main-Logo-with-TM-Edited.png) ](https://triagecancer.org/) [ ![client](https://abacuslifesettlements.com/wp-content/uploads/2026/07/Cancer-Doctor-PNG.png) ](https://finder.cancerdoctor.com/) [ ![](https://abacuslifesettlements.com/wp-content/uploads/2025/12/White-Abacus-Life-Solutions-NYSE-Logo-1-1.png) ](http://abacuslifecares.com) [333 S. Garland Ave, 16th Floor Orlando, FL 32801](https://www.google.com/maps/search/?api=1&query=333+S+Garland+Ave,+Orlando,+FL+32801) [(888) 418-5784](tel:+18884185784) <info@abacuslife.com> [How to Get Started](/#getstarted) [Policy Options](/#options) [Success Stories](/#casestudies) [Frequently Asked Questions](/#Faqs) [One-Step Qualifier](/#form-viatical) --- © 2026 Abacus Life Settlements. Disclaimer: Abacus Life is not approved in all States. Abacus Life is a DBA of Abacus Settlements, LLC. Due to the inevitability of internet to enter States without intention, this website or any other correspondence does not constitute a solicitation for business in any particular State. This site is not intended for Louisiana, Texas, or Rhode Island residents. It is the responsibility of all intermediaries to follow the State laws and obtain any required licensure that corresponds to any particular financial or life settlement business in which they are engaging. Abacus Life will not accept business in States in which it is not licensed. The information contained in this site is not approved for or pertinent to Alaska or any other State in which Abacus is not licensed. We do not currently accept cases from AK. Copyright 2003-2026. --- ### [Life Settlement Resources](https://abacuslifesettlements.com/life-settlement-resources/) **Published:** December 14, 2017 **Author:** Admin **Content:** https://www.youtube.com/watch?v=c-tN6AXcNeI [Play Video## Funding Cancer Treatment](https://www.youtube.com/watch?v=c-tN6AXcNeI) # Funding Cancer Treatment The Agency for Healthcare Research and Quality recently found that **Americans spend $157 billion annually on cancer treatments**. The American Cancer Society states that **13.5 million Americans have some form of cancer**. That brings the average cost of treatment to nearly **$12,000 annually** for each American suffering from cancer. That figure can easily balloon even higher based on a number of factors; including the severity of cancer, how proactively it is treated, the method of treatment, and if your treatment of choice is covered by traditional health insurance. With medical bills expanding to even greater numbers year after year, it isn’t reasonable to expect an average American to be able to foot the bill on their own. Requiring some form of financial support is almost a foregone conclusion, even with medical insurance coverage. The goal for anyone suffering from cancer should be enough financial mobility to be able to focus entirely on their health and seeking the right treatment. With that in mind, we have put together a list of incredible financial sources for anyone fighting cancer. ### **Why Should I Consider a Life Settlement?** - Abacus may offer an immediate cash advance for cancer treatment if you qualify. - Life settlements are a safe, well-regulated financial option. - There’s no fee or obligation to find out your policy’s value. - Most policy types qualify, including term life. - Your quote is 100% confidential and your information is protected. - As a direct buyer, Abacus eliminates middlemen and commissions. ### **Abacus Life Settlements** If you own life insurance, you may be able to utilize your policy now, regardless of what kind of policy it is, or if it has any cash value. You may be able to cover all, or part, of the costs involved in your medical care, including travel, stay, and your actual medical costs. ### **Money When you Need it** Secure a settlement as quickly as *7 days* after initially contacting Abacus. We believe that you should not have to wait for the industry standard 45-60 days for life-saving treatment. A life settlement allows you to focus on what is most important right now…**healing**. ### **Learn More** If you’d like to learn more about the life settlement option, you can visit Abacus Life Settlements at **[www.abacuslifesettlements.com](https://abacuslifesettlements.com/)** or call us directly at [**1-800-561-4148**](tel:1-800-561-4148). We would love to help you get started on your life settlement. ## **Additional Resources** [ ![client](https://abacuslifesettlements.com/wp-content/uploads/2020/05/CareCredit_Tag_RGB-Rx500.jpg) ](https://www.carecredit.com/) [ ![client](https://abacuslifesettlements.com/wp-content/uploads/2020/05/PPA-Logox500.jpg) ](http://www.pparx.org/) [ ![client](https://abacuslifesettlements.com/wp-content/uploads/2020/05/resource-panfoundationx500-1.jpg) ](http://www.panfoundation.org/) [ ![client](https://abacuslifesettlements.com/wp-content/uploads/2020/05/Co_PayLogo_withTagline_RGBx500.png) ](http://www.copays.org/) [ ![client](https://abacuslifesettlements.com/wp-content/uploads/2020/05/03ur1U8zMQIMSstyVKLki1j-5.fit_scale.size_1028x578.v_1569476924x500.jpg) ](https://www.gofundme.com/) --- ### [Licensure](https://abacuslifesettlements.com/licensure/) **Published:** March 21, 2014 **Author:** Admin **Content:** Life Settlement Licensed States \| Abacus Life Abacus Life — Compliance & Licensing State Licensing: # Licensed & Regulated *by State of Ownership* Abacus Life is approved to conduct business in the states depicted in green below. Licensing is determined by the owner of the policy — not necessarily the insured. [Free Life Settlement Estimate](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) How Licensing Works ## What Determines Your State of Ownership? The state of domicile for a life settlement is determined by the owner of the policy — not necessarily the insured. Here is what you need to know. ### Individual Policy Owners If you are the individual owner of your life insurance policy, the state of domicile is your state of residence. ### Trust-Held Policies If your policy is owned by a trust, the trust’s situs — or legal location — determines the applicable state of ownership for the transaction. ### Not Sure? We Can Help. If you are unsure of your state of ownership, [contact us](/contact/) and we will help you determine the appropriate state jurisdiction for your case. Licensed States ## 49-State Coverage Across the U.S. Abacus Life is approved to purchase life insurance policies in the **states shown below**. We do not currently accept cases in Alaska. ![Map of the United States showing all states where Abacus Life is licensed to conduct life settlement business, highlighted in green. Alaska is not included.](https://abacuslifesettlements.com/wp-content/uploads/2026/05/Abacus-Life-New-Website-Photos-16.png) **We do not currently accept cases in Alaska.** All other states are eligible. Licensing is determined by the state of the policy *owner*, not the insured. If you are unsure of your state of ownership, please visit our [Contact Us](/contact/) page — we are happy to help you determine the correct state jurisdiction for your policy. Complete Listing ## States Where Abacus Life is Licensed Abacus is licensed in all 50 states except Alaska. Find your state below. Licensed & Accepting Cases Not Currently Accepting Cases ALAlabama AKAlaska AZArizona ARArkansas CACalifornia COColorado CTConnecticut DEDelaware FLFlorida GAGeorgia HIHawaii IDIdaho ILIllinois INIndiana IAIowa KSKansas KYKentucky LALouisiana MEMaine MDMaryland MAMassachusetts MIMichigan MNMinnesota MSMississippi MOMissouri MTMontana NENebraska NVNevada NHNew Hampshire NJNew Jersey NMNew Mexico NYNew York NCNorth Carolina NDNorth Dakota OHOhio OKOklahoma OROregon PAPennsylvania RIRhode Island SCSouth Carolina SDSouth Dakota TNTennessee TXTexas UTUtah VTVermont VAVirginia WAWashington WVWest Virginia WIWisconsin WYWyoming ### Important Licensing Disclaimer Abacus Life is not approved in all states. **Abacus Settlements, LLC DBA Abacus Life** is a wholly owned subsidiary of Abacus Global Management, Inc. Due to the inevitability of the internet to enter states without intention, this website or any other correspondence does not constitute a solicitation for business in any particular state. This site is not intended for Louisiana, Texas, or Rhode Island residents. It is the responsibility of all intermediaries to follow the state laws and obtain any required licensure that corresponds to any particular financial or life settlement business in which they are engaging. Abacus Life will not accept business in states in which it is not licensed. The information contained in this site is not approved for or pertinent to Alaska or any other state in which Abacus is not licensed. **We do not currently accept cases from Alaska.** If you have questions about licensure in your state, please [contact us](/contact/) and a member of our team will be happy to assist you. ## Ready to Find Out What Your Policy Is Worth? Call us today or use our Life Settlement Calculator to see how much your policy could be worth. [Life Settlement Calculator](/qualify-a-life-settlement/) [Call 800-561-4148](tel:8005614148) Continue Exploring ## More Resources [ The Basics### Life Settlement Guide Everything you need to know about how life settlements work, who qualifies, and what to expect. Read the Guide → ](/learn-how-life-settlements-work/) [ Industry History### Timeline of Life Settlements From a 1911 Supreme Court ruling to the NYSE, explore the full history of life settlements. View Timeline → ](/timeline-of-life-settlements/) [ Get Started### Policy Calculator Use our free, no-obligation Life Settlement Calculator to get an estimate within 24-48 hours. Get My Estimate → ](/qualify-a-life-settlement/) --- ## Portfolio ### [Heading 1](https://abacuslifesettlements.com/portfolio/heading-1-2/) **Published:** December 27, 2018 **Author:** Admin **Content:** Get a settlement instantly with our one-step qualifier. --- ### [Heading 1](https://abacuslifesettlements.com/portfolio/heading-1/) **Published:** December 27, 2018 **Author:** Admin **Content:** Get a settlement instantly with our one-step qualifier. ---