Discover Your Options. Find New Value in Your Life Insurance Policy.
A life insurance policy is your personal property,
not the insurance company’s. However, most individuals let their life insurance policies lapse, and that equity is forfeited back to the insurance company. Our mission is to help clients better understand all of their financial options. We provide clients with all the needed information, so they can make the best financial decisions for their future.
Whether you are planning for retirement, consolidating an estate plan, or facing a severe illness or medical issue, we can help you decide if selling all, or a portion, of your life insurance is the right choice for you. We will walk you through the entire process,
depicting the meaning behind every number — all policy valuations, underwriting, costs, and returns — so that you can choose the best route for your personal financial situation. We are here to help you!
Ramon Fazah
Life Settlement Advisor
Fill out an
obligation-free, one-page form to help us identify your specific life insurance options.
Give us a call for a
quick, confidential
discussion about your
policy. We will answer
any questions you
may have.
We evaluate and
analyze your
individual policy and
case. Each policy is
unique, so we offer
the needed one-on-
one attention.
You will receive
information about
your life insurance
options, including an official offer, with all supporting numbers and details.
Option Types:
Traditional
Sell your life insurance policy to a buyer, for a monetaryamount, that is above your policy surrender value. You will have no further obligations or claims to the policy, and all future premiums are paid by the buyer.
Retained Benefit
Retain a portion of your life insurance benefit, without having to pay future premiums. Your beneficiaries will receive guaranteed percentage when the policy ends, but you have
no further obligations or payments to make
Hybrid
A combination of traditional and retained, this option allows you to sell a portion of your life insurance policy, but still retain a portion at the same time. You receive a cash payment now, and your beneficiary receives a guaranteed percentage of the benefit when the policy ends, but you have no further obligations or payments to make
MALE, AGE 70, WITH A $6,000,000 TERM CONVERSION
The insured was close to term expiration, with plans to cancel the policy. We were able to get an offer of $180,000 for the proposed UL conversion. In addition, the full target of $23,000 was agreed to be paid in the first year.
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MOTHER, AGE 96, WITH A FAMILY POLICY AT $10,000,000 with a $900,000 ANNUAL PREMIUM FINANCE LOAN
The family was able to keep $3,000,000 in death benefit, while paying off the entirety of their 2.6 million dollar loan. We helped them get their premium payments taken over, and the family retained the level of protection their estate needed.
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FEMALE, AGE 86, WITH A $750,000 UNIVERSAL LIFE POLICY
The insured was diagnosed with Alzheimer’s and living under 24- hour care. Her daughter came to us looking for relief from rising premiums to help her mother. The client was able to get $150,000 in cash, while she retained $400,000 in death benefit.
*The following case studies are provided for example purposes only.
Traditional
Retained
Benefit
Hybrid
TERM RESCUE PROGRAM
There may be a solution; your term life insurance policy could be sold for cash, with no further premium payments required by you or your family.
The following are case examples of how the TeYour term life insurance policy is a valuable asset that has provided years of protection for you and your family. However, what happens when your policy is scheduled to expire soon, and you have no plans to continue the coverage or convert it to a permanent product?rm Rescue Program works:
MALE, AGE 61, $750K 20-YEAR TERM ISSUED IN 1999
_Male, age 61, overweight with hypertension
-$750,000 20-year term issued in 1999
-Client had no plans on keeping the term policy past the 20-year guarantee period
-Term policy converted to an Adjustable UL with $25,500 premiums to age 100
-Client received $15,000 plus $6,400 for first quarter premium reimbursement
Why Us?
Our primary goal is to make sure our clients are well-informed of all their options, providing them with the needed information and materials along the way. We act as your point of contact throughout the entire process, answering any questions you may
have along the way.
We have simplified the entire process with you in mind. Consistency, transparency, and honesty are our core values, providing our clients with continuous white-glove service.
What Our Clients Are Saying
Jim - Atlanta Georgia
“I am grateful for
the service provided to me throughout the entire process. It was quick and painless,
and eased my financial worry,” - Jim
Mandy - California
"Selling a portion of my life insurance was a confusing decision until I found Abacus Life. They simplified the process, explained everything clearly, and always put my needs first. Thanks to their expertise, I received a much higher payout than I expected and can now enjoy my retirement worry-free." - Mandy
Terri - Virginia
"I was constantly updated throughout the process. Thanks to their professionalism, it was far less stressful than I anticipated. I recommend the life settlement process to anyone facing a life-changing event... They treated me with genuine care and had my best interests at heart." - Terri
Our Partner:
About Abacus Life (ABL)
Abacus Life 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 under the ticker symbol ABL.
U.S. Market Leader!
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