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.
- 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
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.
How a Life Settlement Works
Selling your life insurance policy is simpler than you think. Abacus handles the entire process from start to finish.
Submit Your Information
Complete the one-step form above or call us. We’ll gather basic information about your policy and health status.
Receive a Free Estimate
Within 24–48 hours, an Abacus specialist will contact you with a preliminary estimate of your policy’s market value.
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.
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.
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.
