Abacus Global Management, Inc.

Abacus Global Management, Inc. is a U.S.-based financial services company built around life settlements, longevity-linked assets, and data-driven wealth solutions. The business originated in policy origination and acquisition, where it buys life insurance policies from policyholders seeking liquidity, then values and manages those assets using proprietary analytics and actuarial-style models. Over time, Abacus has broadened into institutional services, technology-enabled insurance distribution, and alternative asset management, including the AccuQuote digital insurance marketplace acquired in 2025. The company describes itself as operating through four complementary divisions and reported assets under management of approximately $3.33 billion at the end of 2025.

45,6 %

87,7 %

15,5 %

+110,2 %

0.47

0.47

— Abacus Global Management, Inc.
%
Life settlements origination and acquisition45% Purchases and originates life insurance policies from policyholders through advisors, brokers, and direct-to-consumer channels.
Alternative asset management20% Manages longevity-based and other alternative assets for institutional and wealth clients.
Institutional solutions15% Provides insurers and reinsurers with tools and transactions that help manage legacy liabilities and product design.
Digital insurance distribution10% Operates online tools and marketplaces that help consumers compare and enroll in life insurance products.
Technology and analytics services10% Uses proprietary software and data analytics for policy pricing, valuation, and risk assessment.

Abacus serves policyholders who want to monetize unwanted or underutilized life insurance policies, especially older...

  • Financial advisors and agentsprimary

    They use Abacus’s settlement expertise, marketing tools, and platform access to help clients evaluate and sell policies; this is the company’s largest origination channel.

  • Direct-to-consumer policyholdersprimary

    Individuals use the Policy Value Calculator and advertising-led channels to discover settlement value or compare insurance options, often for smaller face-value policies.

  • Life settlement brokers and intermediariessecondary

    Brokers submit policies on behalf of advisors or clients and earn commissions, providing a source of policy flow for Abacus.

  • Insurance carriers and reinsurerssecondary

    Institutional clients use Abacus’s solutions to optimize legacy liabilities and support product innovation tied to longevity and insurance assets.

  • Institutional and wealth clientssecondary

    These customers buy alternative asset management and data-driven wealth solutions linked to longevity-based assets and insurance-related cash flows.

Abacus is headquartered in the United States and its business is primarily built around U.S...

  • •Headquartered in the United States
  • •Core life settlement origination is U.S.-based
  • •Some employees are located outside the United States
  • •International operations create foreign currency exposure
  • •Business is described as serving clients worldwide
  • •No country-level revenue split was disclosed in the excerpts

Abacus’s strategy is to expand policy origination by strengthening its advisor network, direct-to-consumer marketing,...

01
Increase policy origination through advisor and consumer channelsshort-term

Policy flow is the core input to the business model, so more sourced policies support growth and scale economics.

02
Digitize distribution and consumer engagementmedium-term

Technology can lower customer acquisition costs and reduce dependence on intermediaries while widening the addressable market.

03
Expand alternative asset management and institutional servicesmedium-term

Diversification beyond origination can improve revenue mix and create recurring institutional relationships.

Abacus’s largest business risk is valuation error, because life settlement assets depend on estimating life expectancy,...

high

Inaccurate valuation of life insurance policies

Policy values depend on estimated maturity dates and unobservable inputs; errors can materially distort asset values and returns.

Scope
Life settlement portfolio and fair value marks
Materiality
high
high

Life expectancy assumptions prove too optimistic

If insured lives are longer than expected, cash flows are delayed and investment returns decline.

Scope
Longevity-based assets
Materiality
high
high

Insufficient supply of eligible policies

The business needs a steady flow of policies meeting eligibility criteria; weak sourcing limits growth.

Scope
Origination channels and advisor network
Materiality
high
medium

Regulatory and legal changes

If life settlements are deemed securities or state rules tighten, compliance costs and transaction limits could rise.

Scope
U.S. life settlement operations
Materiality
high
medium

Foreign currency and international operating risk

A portion of operations is outside the U.S. and some business is denominated in foreign currencies, creating translation and transaction risk.

Scope
International operations
Materiality
medium
Fair value of life insurance settlement policies
Can materially affect asset values, gains/losses, and earnings volatility
Life expectancy and mortality assumptions
Changes can move reported returns significantly
Goodwill and intangible asset impairment
Potential for large non-cash charges
Acquisition accounting and pro forma comparability
Affects trend analysis and segment comparability

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: 11/08/2026