Options for Your Life Insurance

Retained Death Benefit

The legal and viable option for individuals to sell a portion of their life insurance policy for an amount that is more than the cash surrender value but less than the claim amount while retaining a portion of the benefit.

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“We would highly recommend Abacus for anyone considering selling a term life insurance.” – Harrold Spurgeon

What Is A Retained Death Benefit (RDB)?

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 (a typical life settlement offer). When a RDB offer is accepted, the buyer takes over 100% of premium payments. RDB’s can also be hybrid offers where a policyholder sells a portion of their policy for a cash sum while maintaining a portion of their policy. In a circumstance where the insured individual dies, the beneficiary receives their portion of the death benefit payout while the fund receives the death benefit for the portion of the policy they purchased from the policyholder.


of Americans are aware that their policy has a market value


BILLION is forfeited back to life insurance companies each year in the U.S.


of seniors state they would have considered a life insurance settlement option if they knew it existed


MILLION Americans will be of retirement age by 2020

Should I Pursue A Retained Death Benefit (RDB) Offer?


There are many reasons why a policyholder may choose to pursue or accept a Retained Death Benefit (RDB) offer. Whatever your reason is, Abacus Life will be there for you every step of the way. A few common reasons are:

  • The premium payments are too expensive
  • The policyholder needs extra cash but does not want to eliminate their policy entirely
  • The insured individual needs money to pay for unforeseen medical treatments
  • Beneficiaries do not need as much financial support as they once did


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, we are proud to share that we are licensed in many different states.

Whoever you choose to work with, you should make sure they follow the correct guidelines; there are still some companies in the industry that do not operate under the appropriate licensure.

Who Is Abacus Life?


Abacus Life is a nationally licensed life insurance buyer with a corporate office in Orlando, Florida. Founded in 2004, We work with life insurance brokers, professional advisors, consumers, and institutional investors to optimize the value of unwanted life insurance policies.

It is easy to find out how much your policy is worth! In as little as 24 business hours we can provide you with a policy valuation, and it’s as simple as filling out our online calculator by clicking here. We don’t believe that you should have to wait the industry standard 45-60 days for life-saving treatment.

Selling your life insurance policy allows you to focus on what is most important to you right now, financial well-being.