Discover the true market value of your client’s life insurance policy
with a complimentary fair market valuation from Abacus Life.
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Complimentary policy valuation
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24–48 hour turnaround
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No obligation to sell
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Direct access to institutional buyers
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Transparent market-based pricing
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:
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Rising cost-of-insurance charges
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Policy funding adequacy concerns
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Carrier rating changes
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Policy maturity risks
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Changes in estate planning goals
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Business succession planning
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Evaluating policy replacement options
By reviewing a policy’s fair market value, advisors can provide clients with a more complete understanding of their available financial options.
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.
Step 1 – Submit Policy Information
Provide basic policy details such as:
- Current policy illustration
- Carrier information
- Face value
- Basic health information for the insured
Step 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.
Step 2 – Underwriting Analysis
Our team conducts a comprehensive review including:
- Life expectancy analysis
- Policy economics review
- Real-time impairment and underwriting assessment
This analysis helps determine the potential value of the policy within the life settlement marketplace.
Step 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.
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.
Unlike many intermediaries, our direct buyer model allows us to offer competitive market pricing and faster transaction timelines.
What Sets Abacus Apart:
Direct Buyer Model
We purchase policies directly, eliminating unnecessary intermediary fees.
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.
Fast Valuation Process
Our team delivers policy valuations within 24–48 hours.
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.
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 such as:
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Age of the insured
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Policy type
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Face value
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Health status
This tool helps advisors determine whether a policy may qualify for a more detailed valuation.
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:
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Policy illustration
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Policy details and carrier information
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Basic health information for the insured
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Authorization forms if a full review is requested
To begin the process, simply click below and send our team the policy details for review.
