{"id":7,"date":"2026-10-20T15:56:10","date_gmt":"2026-10-20T15:56:10","guid":{"rendered":"https:\/\/122df40.netsolhost.com\/index.php\/home\/"},"modified":"2026-10-20T15:56:10","modified_gmt":"2026-10-20T15:56:10","slug":"home","status":"publish","type":"page","link":"https:\/\/abbistar.com\/","title":{"rendered":"Home"},"content":{"rendered":"<section class=\"hero on-ink\" id=\"home\" aria-labelledby=\"hero-title\">\n  <div class=\"hero-bg\">\n    <figure class=\"ph slide on\" role=\"img\" aria-label=\"Two hands resting together on a wooden table\"><div class=\"art art-brand\"><\/div><img src=\"https:\/\/abbistar.com\/wp-content\/themes\/abbistar\/assets\/img\/hero-hands.jpg\" alt=\"\" decoding=\"async\" fetchpriority=\"high\"><\/figure>\n    <figure class=\"ph slide\" aria-hidden=\"true\"><div class=\"art art-brand\"><\/div><img src=\"https:\/\/abbistar.com\/wp-content\/themes\/abbistar\/assets\/img\/advisor-meeting.jpg\" alt=\"\" decoding=\"async\" loading=\"lazy\"><\/figure>\n    <figure class=\"ph slide\" aria-hidden=\"true\"><div class=\"art art-brand\"><\/div><img src=\"https:\/\/abbistar.com\/wp-content\/themes\/abbistar\/assets\/img\/tudor-street.jpg\" alt=\"\" decoding=\"async\" loading=\"lazy\"><\/figure>\n    <figure class=\"ph slide\" aria-hidden=\"true\"><div class=\"art art-brand\"><\/div><img src=\"https:\/\/abbistar.com\/wp-content\/themes\/abbistar\/assets\/img\/family-table.jpg\" alt=\"\" decoding=\"async\" loading=\"lazy\"><\/figure>\n    <figure class=\"ph slide\" aria-hidden=\"true\"><div class=\"art art-brand\"><\/div><img src=\"https:\/\/abbistar.com\/wp-content\/themes\/abbistar\/assets\/img\/conversation.jpg\" alt=\"\" decoding=\"async\" loading=\"lazy\"><\/figure>\n  <\/div>\n  <div class=\"wrap hero-in\">\n    <h1 id=\"hero-title\" aria-label=\"Where Life Insurance Policies Meet Opportunity.\"><span class=\"w\" aria-hidden=\"true\"><span style=\"animation-delay:0.120s\">Where<\/span><\/span> <span class=\"w\" aria-hidden=\"true\"><span style=\"animation-delay:0.165s\">Life<\/span><\/span> <span class=\"w\" aria-hidden=\"true\"><span style=\"animation-delay:0.210s\">Insurance<\/span><\/span> <span class=\"w\" aria-hidden=\"true\"><span style=\"animation-delay:0.255s\">Policies<\/span><\/span> <span class=\"w\" aria-hidden=\"true\"><span style=\"animation-delay:0.300s\">Meet<\/span><\/span> <span class=\"w it\" aria-hidden=\"true\"><span style=\"animation-delay:0.345s\">Opportunity.<\/span><\/span> <\/h1>\n    <p class=\"lede\">ABBISTAR is a life settlement provider working with policyholders and their advisors who want to understand what a policy may be worth, and with investors seeking an alternative asset. Choose the path that fits you.<\/p>\n    <div class=\"hero-ctas\"><a class=\"btn btn-gold\" href=\"https:\/\/www.abbistarlife.com\/\" target=\"_blank\" rel=\"noopener\">ABBISTAR Life <svg class=\"ext-ico\" viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.4\" aria-hidden=\"true\"><path d=\"M3 9l6-6M4 3h5v5\"\/><\/svg><span class=\"visually-hidden\"> (opens in a new tab)<\/span><\/a><a class=\"btn btn-line\" href=\"https:\/\/investabbistar.com\/\" target=\"_blank\" rel=\"noopener\">ABBISTAR Invest <svg class=\"ext-ico\" viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.4\" aria-hidden=\"true\"><path d=\"M3 9l6-6M4 3h5v5\"\/><\/svg><span class=\"visually-hidden\"> (opens in a new tab)<\/span><\/a><\/div>\n  <\/div>\n  <svg class=\"hero-edge\" viewBox=\"0 0 1440 190\" preserveAspectRatio=\"none\" aria-hidden=\"true\"><path d=\"M0 190 V150 C 340 150, 470 20, 720 20 C 970 20, 1100 150, 1440 150 V190 Z\" fill=\"#FFFFFF\"\/><path d=\"M0 150 C 340 150, 470 20, 720 20 C 970 20, 1100 150, 1440 150\" fill=\"none\" stroke=\"#F1DF79\" stroke-opacity=\".75\" stroke-width=\"2\" stroke-dasharray=\"0 9\" stroke-linecap=\"round\" vector-effect=\"non-scaling-stroke\" transform=\"translate(0 -14)\"\/><\/svg>\n<\/section>\n\n\n<section class=\"pathsC cen\" id=\"paths\" aria-labelledby=\"paths-title\">\n  <div class=\"wrap\">\n    <h2 id=\"paths-title\" class=\"rv\">Choose the Path <span class=\"it\">That Fits You.<\/span><\/h2>\n    <p class=\"lede rv\" style=\"margin-top:18px\">Life settlements look different depending on which side of the policy you are on. Start with the one that describes you.<\/p>    <div class=\"paths\">\n      <article class=\"path life rv\" aria-labelledby=\"path-life\">\n        <h3 id=\"path-life\">For Policyholders and Advisors<\/h3>\n        <p>Find out what a life insurance policy may be worth and explore options other than surrendering it or letting it lapse. Agents and financial advisors are welcome to start a conversation on behalf of their clients. There is no obligation.<\/p>\n        <ul><li>Policy valuation and guidance<\/li><li>Life and viatical settlements<\/li><li>Term policy conversion review<\/li><\/ul>\n        <a class=\"btn btn-ink\" href=\"https:\/\/www.abbistarlife.com\/\" target=\"_blank\" rel=\"noopener\">Visit ABBISTAR Life <svg class=\"ext-ico\" viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.4\" aria-hidden=\"true\"><path d=\"M3 9l6-6M4 3h5v5\"\/><\/svg><span class=\"visually-hidden\"> (opens in a new tab)<\/span><\/a>      <\/article>\n      <article class=\"path inv rv\" aria-labelledby=\"path-inv\">\n        <h3 id=\"path-inv\">For Investors<\/h3>\n        <p>Life settlements are contract-based assets governed by state insurance law and are not tied to the stock market. ABBISTAR gives qualified investors access to this private, alternative asset class.<\/p>\n        <ul><li>Policy sourcing and due diligence<\/li><li>Legal and transaction support<\/li><li>Professional policy servicing<\/li><\/ul>\n        <p class=\"fine\">Life settlement investments carry risk. No returns are guaranteed.<\/p>        <a class=\"btn btn-gold\" href=\"https:\/\/investabbistar.com\/\" target=\"_blank\" rel=\"noopener\">Visit ABBISTAR Invest <svg class=\"ext-ico\" viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.4\" aria-hidden=\"true\"><path d=\"M3 9l6-6M4 3h5v5\"\/><\/svg><span class=\"visually-hidden\"> (opens in a new tab)<\/span><\/a>      <\/article>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n<section class=\"perspC cen\" id=\"perspective\" aria-labelledby=\"persp-title\">\n  <div class=\"wrap\">\n    <h2 id=\"persp-title\" class=\"rv\">A Different Perspective on <span class=\"it\">Life Insurance.<\/span><\/h2>\n    <div class=\"cols rv\"><div style=\"display:grid;gap:18px\"><p>Life insurance is usually seen as a benefit for loved ones after the policyholder is gone. Many people do not realize that certain policies can also have value in the secondary market during the policyholder&#039;s lifetime.<\/p><p>Circumstances change. Children grow up, a business is sold, health changes, or premiums that once felt manageable become a burden. When priorities shift, it is reasonable to ask whether an existing policy still serves its purpose.<\/p><\/div><div style=\"display:grid;gap:18px\"><p>Many policies end before a death benefit is ever paid, because they are surrendered for their cash value or allowed to lapse. For a qualifying policy, a settlement may offer another path, and for investors it is a way to access a contract-based asset class. ABBISTAR&#039;s role is to explain that market clearly, so every party can decide whether it is right for them.<\/p><\/div><\/div>\n    <div class=\"wide-photo rv\"><figure class=\"ph \" role=\"img\" aria-label=\"Two people reviewing documents together at a table in natural light\"><div class=\"art art-warm\"><\/div><img src=\"https:\/\/abbistar.com\/wp-content\/themes\/abbistar\/assets\/img\/advisor-meeting.jpg\" alt=\"\" decoding=\"async\" loading=\"lazy\"><\/figure><\/div>    <div class=\"benC\"><div class=\"rv\"><span class=\"ic\"><svg viewBox=\"0 0 44 44\" aria-hidden=\"true\"><rect x=\"9\" y=\"5\" width=\"22\" height=\"30\" rx=\"1\"\/><path d=\"M14 13h12M14 18h12M14 23h7\"\/><circle cx=\"30\" cy=\"30\" r=\"6.5\"\/><path d=\"M34.8 34.8L40 40\"\/><\/svg><\/span><h3>Understand a policy&#039;s potential value<\/h3><p>Learn what factors shape how a policy may be viewed in the secondary market, beyond its stated cash surrender value.<\/p><\/div><div class=\"rv\"><span class=\"ic\"><svg viewBox=\"0 0 44 44\" aria-hidden=\"true\"><path d=\"M6 38V24c0-6 4-10 10-10h14\"\/><path d=\"M26 9l5 5-5 5\"\/><path d=\"M6 24c0-6 4-10 10-10\" stroke-dasharray=\"1.5 3\"\/><path d=\"M16 38V30c0-4 3-6 6-6h16\"\/><path d=\"M34 20l4 4-4 4\"\/><\/svg><\/span><h3>Explore alternatives to surrender or lapse<\/h3><p>Before coverage is allowed to end, see whether a qualified settlement or another option could serve the policyholder better.<\/p><\/div><div class=\"rv\"><span class=\"ic\"><svg viewBox=\"0 0 44 44\" aria-hidden=\"true\"><path d=\"M22 6v32M12 38h20\"\/><path d=\"M8 14h28\"\/><path d=\"M8 14l-5 11h10zM36 14l-5 11h10z\"\/><circle cx=\"22\" cy=\"6\" r=\"1.6\"\/><\/svg><\/span><h3>Make informed financial decisions<\/h3><p>Weigh the trade-offs with clear information and time to consult family and advisors.<\/p><\/div><\/div>\n  <\/div>\n<\/section>\n\n\n<section class=\"solC sheet cen on-ink\" id=\"solutions\" aria-labelledby=\"sol-title\">\n  <div class=\"wrap\">\n    <h2 id=\"sol-title\" class=\"rv\">Solutions Built Around <span class=\"it\">Every Situation.<\/span><\/h2>\n    <p class=\"lede rv\" style=\"margin-top:22px\">Every policy and every situation is different. ABBISTAR reviews each policy on its own terms and explains which options may apply, along with what each involves.<\/p>    <div class=\"stack\">      <article class=\"panel row rv\" aria-labelledby=\"s1-title\">\n        <div class=\"row-img\"><figure class=\"ph \" role=\"img\" aria-label=\"A coffee cup and notebook on a wooden table in morning light\"><div class=\"art art-dusk\"><\/div><img src=\"https:\/\/abbistar.com\/wp-content\/themes\/abbistar\/assets\/img\/home-morning.jpg\" alt=\"\" decoding=\"async\" loading=\"lazy\"><\/figure><\/div>\n        <div class=\"row-body\">\n          <span class=\"num\">01<\/span>\n          <h3 id=\"s1-title\">Life and Viatical Settlements<\/h3>\n          <p>A life settlement may allow a qualifying policyholder to sell an existing life insurance policy for a one-time cash payment. The proceeds can provide access to financial resources during your lifetime instead of only after it.<\/p>\n          <button class=\"textlink\" type=\"button\" aria-expanded=\"false\" aria-controls=\"s1-more\">Learn more <svg class=\"arr\" viewBox=\"0 0 16 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.4\" aria-hidden=\"true\"><path d=\"M0 4.5h14M10.5 1l3.5 3.5-3.5 3.5\"\/><\/svg><\/button>\n          <div class=\"more\" id=\"s1-more\" hidden><p>Policyholders consider a life settlement when coverage is no longer needed, premiums have become difficult to maintain, or funds would make a greater difference today. Some use the proceeds for retirement, care costs or other priorities.<\/p><p>The buyer becomes the owner and beneficiary of the policy and takes over future premium payments. A life settlement offer must be higher than the policy&#039;s cash surrender value, and what is offered depends on the policy, the insured&#039;s circumstances and market conditions.<\/p><p>A viatical settlement is the same kind of transaction for an insured person facing a serious, chronic or terminal illness. It provides funds during the policyholder&#039;s lifetime at a time when those resources can matter most, and we approach these conversations with care and discretion. Definitions and eligibility vary by state.<\/p><\/div>\n        <\/div>\n      <\/article>\n          <article class=\"panel row rv\" aria-labelledby=\"s2-title\">\n        <div class=\"row-img\"><figure class=\"ph \" role=\"img\" aria-label=\"A folder, pen and laptop on a desk\"><div class=\"art art-stone\"><\/div><img src=\"https:\/\/abbistar.com\/wp-content\/themes\/abbistar\/assets\/img\/desk-folder.jpg\" alt=\"\" decoding=\"async\" loading=\"lazy\"><\/figure><\/div>\n        <div class=\"row-body\">\n          <span class=\"num\">02<\/span>\n          <h3 id=\"s2-title\">Policy Conversion<\/h3>\n          <p>Many term life insurance policies include a conversion option that allows all or part of the coverage to be converted into permanent life insurance, subject to the insurer&#039;s terms and policy provisions. Reviewing conversion options can be part of a broader evaluation of what your policy can do for you.<\/p>\n          <button class=\"textlink\" type=\"button\" aria-expanded=\"false\" aria-controls=\"s2-more\">Learn more <svg class=\"arr\" viewBox=\"0 0 16 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.4\" aria-hidden=\"true\"><path d=\"M0 4.5h14M10.5 1l3.5 3.5-3.5 3.5\"\/><\/svg><\/button>\n          <div class=\"more\" id=\"s2-more\" hidden><p>Conversion rights usually have deadlines, such as a certain age or a number of years after the policy was issued. Many insurers allow conversion without a new medical exam, but premiums for permanent coverage are typically higher.<\/p><p>Because a term policy that can be converted may be viewed differently in the secondary market, it is worth knowing your conversion deadline before it passes.<\/p><\/div>\n        <\/div>\n      <\/article>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n<section class=\"procC sheet cen\" id=\"how-it-works\" aria-labelledby=\"proc-title\">\n  <div class=\"wrap\">\n    <h2 id=\"proc-title\" class=\"rv\">Clarity at <span class=\"it\">Every Step.<\/span><\/h2>\n    <p class=\"lede rv\" style=\"margin-top:20px\">Our process is designed to be straightforward. Everyone involved knows what is being reviewed, why, and what comes next.<\/p>    <p class=\"proc-note\">Eligibility, offers, required documents and timelines depend on each policy and your individual circumstances. Requesting a review does not obligate you to sell.<\/p>    <ol class=\"timeline\" id=\"timeline\" style=\"list-style:none;margin:0\"><li class=\"tl-track\" aria-hidden=\"true\"><\/li><li class=\"tl-fill\" id=\"tlfill\" aria-hidden=\"true\"><\/li><li class=\"step\"><span class=\"dot\" aria-hidden=\"true\"><\/span><span class=\"n\" aria-hidden=\"true\">01<\/span><h3>Start a Conversation<\/h3><p>Connect with ABBISTAR by phone or through our consultation form to talk about your policy and general circumstances. A specialist can walk you through a brief questionnaire to see whether a review makes sense.<\/p><\/li><li class=\"step\"><span class=\"dot\" aria-hidden=\"true\"><\/span><span class=\"n\" aria-hidden=\"true\">02<\/span><h3>Policy Evaluation<\/h3><p>We review relevant policy details. Where required, and only with your written authorization, additional underwriting information such as medical records is obtained to assess eligibility and potential value.<\/p><\/li><li class=\"step\"><span class=\"dot\" aria-hidden=\"true\"><\/span><span class=\"n\" aria-hidden=\"true\">03<\/span><h3>Review Your Options<\/h3><p>If your policy qualifies, ABBISTAR may present a settlement offer for your consideration, along with an explanation of how the terms work.<\/p><\/li><li class=\"step\"><span class=\"dot\" aria-hidden=\"true\"><\/span><span class=\"n\" aria-hidden=\"true\">04<\/span><h3>Make an Informed Decision<\/h3><p>Take time to review the proposed terms, ask questions, and speak with your family or advisors. The decision to proceed is entirely yours.<\/p><\/li><\/ol>\n    <div class=\"pano rv\"><figure class=\"ph \" role=\"img\" aria-label=\"Three generations of a family gathered around a table outdoors\"><div class=\"art art-warm\"><\/div><img src=\"https:\/\/abbistar.com\/wp-content\/themes\/abbistar\/assets\/img\/family-table.jpg\" alt=\"\" decoding=\"async\" loading=\"lazy\"><\/figure><\/div>  <\/div>\n<\/section>\n\n\n<section class=\"whyC sheet\" id=\"why-abbistar\" aria-labelledby=\"why-title\">\n  <div class=\"wrap\">\n    <div class=\"whyC-top\">\n      <div class=\"rv\"><figure class=\"ph \" role=\"img\" aria-label=\"A tree-lined residential street with Tudor-style homes in morning light\"><div class=\"art art-dusk\"><\/div><img src=\"https:\/\/abbistar.com\/wp-content\/themes\/abbistar\/assets\/img\/tudor-street.jpg\" alt=\"\" decoding=\"async\" loading=\"lazy\"><\/figure><\/div>\n      <div class=\"rv\"><h2 id=\"why-title\">Experience, Perspective, and a Commitment to <span class=\"it\">Every Client.<\/span><\/h2><div class=\"why-phil\">\n        <p>ABBISTAR&#039;s philosophy rests on a simple belief: a well-designed financial strategy has the power to change lives.<\/p><p>We begin with a thorough look at each client&#039;s financial picture, including a detailed review of life insurance policies and the benefits they may offer. That structured approach helps us bring balance to every situation and present options that reflect individual means and goals.<\/p><p>Our mission is to equip policyholders and investors to make well-informed decisions about life insurance and life settlements, with clear information and professional guidance.<\/p>              <\/div><\/div>\n    <\/div>\n    <div class=\"band\"><div class=\"pillar rv\"><h3>Client Servicing<\/h3><p>ABBISTAR has acquired life insurance policies from individuals who needed access to funds, and manages those policies through trading, holding and ongoing servicing.<\/p><\/div><div class=\"pillar rv\"><h3>Policy Acquisition<\/h3><p>Our executives and agents have helped many policyholders understand their policies and pursue the value those policies may hold.<\/p><\/div><div class=\"pillar rv\"><h3>Consumer Protection<\/h3><p>As a direct purchaser of life insurance policies, we work with you directly and treat your personal and policy information as confidential.<\/p><\/div><div class=\"pillar rv\"><h3>Universal Dedication<\/h3><p>Our culture is built on service, professional relationships and a shared commitment to the satisfaction of our clients and our team.<\/p><\/div><\/div>\n  <\/div>\n<\/section>\n\n\n<section class=\"polC sheet cen\" id=\"policies\" aria-labelledby=\"pol-title\">\n  <div class=\"wrap\">\n    <h2 id=\"pol-title\" class=\"rv\">Every Policy Has a Story. <span class=\"it\">Let&#039;s Understand It.<\/span><\/h2>\n    <p class=\"lede rv\" style=\"margin-top:20px\">ABBISTAR reviews many kinds of life insurance, including term, whole, universal, indexed universal and variable policies. Here is a brief guide to how each one works.<\/p>    <div class=\"pills\" role=\"tablist\" aria-label=\"Policy types\"><button class=\"pill\" type=\"button\" role=\"tab\" id=\"t-0\" aria-controls=\"p-0\" aria-selected=\"true\">Term Life<\/button><button class=\"pill\" type=\"button\" role=\"tab\" id=\"t-1\" aria-controls=\"p-1\" aria-selected=\"false\" tabindex=\"-1\">Whole Life<\/button><button class=\"pill\" type=\"button\" role=\"tab\" id=\"t-2\" aria-controls=\"p-2\" aria-selected=\"false\" tabindex=\"-1\">Universal Life<\/button><button class=\"pill\" type=\"button\" role=\"tab\" id=\"t-3\" aria-controls=\"p-3\" aria-selected=\"false\" tabindex=\"-1\">Indexed Universal<\/button><button class=\"pill\" type=\"button\" role=\"tab\" id=\"t-4\" aria-controls=\"p-4\" aria-selected=\"false\" tabindex=\"-1\">Variable Life<\/button><\/div>\n        <div class=\"ppanel\" role=\"tabpanel\" id=\"p-0\" aria-labelledby=\"t-0\" tabindex=\"0\"><div><h3>Term Life Insurance<\/h3><div class=\"copy\"><p>Term insurance provides coverage for a set period, such as 10, 20 or 30 years. It generally has no cash value, so when the term ends or premiums stop, the coverage ends.<\/p><p>Many term policies include a conversion privilege that allows the coverage to be changed to permanent insurance before a deadline. A convertible term policy may be relevant to a settlement review.<\/p><\/div><\/div><dl class=\"facts\"><div><dt>Duration<\/dt><dd>A fixed number of years<\/dd><\/div><div><dt>Cash value<\/dt><dd>Generally none<\/dd><\/div><div><dt>Worth checking<\/dt><dd>Your conversion deadline and its terms<\/dd><\/div><\/dl><\/div>\n        <div class=\"ppanel\" role=\"tabpanel\" id=\"p-1\" aria-labelledby=\"t-1\" tabindex=\"0\" hidden><div><h3>Whole Life Insurance<\/h3><div class=\"copy\"><p>Whole life is permanent coverage designed to last for the insured&#039;s lifetime, as long as premiums are paid. Premiums are typically level, and the policy builds cash value according to its terms.<\/p><p>Some policies are eligible for dividends. Over time, the premiums or the policy&#039;s original purpose may no longer fit your plans, which is often when policyholders ask what their options are.<\/p><\/div><\/div><dl class=\"facts\"><div><dt>Duration<\/dt><dd>Lifetime, while in force<\/dd><\/div><div><dt>Cash value<\/dt><dd>Builds on a guaranteed schedule<\/dd><\/div><div><dt>Worth checking<\/dt><dd>Current cash surrender value and any loans<\/dd><\/div><\/dl><\/div>\n        <div class=\"ppanel\" role=\"tabpanel\" id=\"p-2\" aria-labelledby=\"t-2\" tabindex=\"0\" hidden><div><h3>Universal Life Insurance<\/h3><div class=\"copy\"><p>Universal life is permanent coverage with flexible premiums and, in many cases, an adjustable death benefit. Cash value grows based on interest credited by the insurer.<\/p><p>Because the cost of insurance tends to rise with age, some universal life policies become more expensive to keep in force later in life. Reviewing the policy&#039;s projections can help you see where it is heading.<\/p><\/div><\/div><dl class=\"facts\"><div><dt>Duration<\/dt><dd>Lifetime, if sufficiently funded<\/dd><\/div><div><dt>Cash value<\/dt><dd>Grows with credited interest<\/dd><\/div><div><dt>Worth checking<\/dt><dd>An updated in-force illustration and the cash surrender value<\/dd><\/div><\/dl><\/div>\n        <div class=\"ppanel\" role=\"tabpanel\" id=\"p-3\" aria-labelledby=\"t-3\" tabindex=\"0\" hidden><div><h3>Indexed Universal Life Insurance<\/h3><div class=\"copy\"><p>Indexed universal life is permanent coverage with flexible premiums in which the cash value is credited interest linked to a market index, usually within a minimum floor and a maximum cap set by the insurer.<\/p><p>Credited interest depends on the index and the policy&#039;s caps and participation rates, and the cost of insurance still rises with age. Reviewing an in-force illustration can show whether the policy is on track.<\/p><\/div><\/div><dl class=\"facts\"><div><dt>Duration<\/dt><dd>Lifetime, if sufficiently funded<\/dd><\/div><div><dt>Cash value<\/dt><dd>Credited by index, within caps and floors<\/dd><\/div><div><dt>Worth checking<\/dt><dd>An updated in-force illustration and the cash surrender value<\/dd><\/div><\/dl><\/div>\n        <div class=\"ppanel\" role=\"tabpanel\" id=\"p-4\" aria-labelledby=\"t-4\" tabindex=\"0\" hidden><div><h3>Variable Life Insurance<\/h3><div class=\"copy\"><p>Variable life is permanent coverage in which the cash value is invested in subaccounts chosen by the policyholder. Values can rise or fall with market performance.<\/p><p>Because the policy&#039;s cash value and, in some cases, its death benefit can change, it should be reviewed together with its prospectus and current statements.<\/p><\/div><\/div><dl class=\"facts\"><div><dt>Duration<\/dt><dd>Lifetime, while in force<\/dd><\/div><div><dt>Cash value<\/dt><dd>Varies with investments<\/dd><\/div><div><dt>Worth checking<\/dt><dd>Recent statements and the prospectus<\/dd><\/div><\/dl><\/div>\n        <p class=\"pers-note\"><img decoding=\"async\" src=\"https:\/\/abbistar.com\/wp-content\/themes\/abbistar\/assets\/img\/star-maroon.png\" alt=\"\" aria-hidden=\"true\">Not every policy is eligible for a settlement. Suitability and eligibility depend on the policy&#039;s specific terms, the insured&#039;s circumstances and the requirements that apply in your state.<\/p>  <\/div>\n<\/section>\n\n\n<section class=\"persC sheet\" id=\"approach\" aria-labelledby=\"pers-title\">\n  <div class=\"wrap\">\n    <div class=\"persC-in on-ink\">\n      <div class=\"persC-text rv\"><h2 id=\"pers-title\">Financial Decisions Are Personal. <span class=\"it\">So Is Our Approach.<\/span><\/h2><p>Behind every policy is a person, a family and a set of plans, and behind every investment is a goal. We take time to understand what matters before talking about numbers.<\/p><p>Our team provides accurate information, assesses each situation, and supports you from the first conversation through the moment you decide, whatever that decision is.<\/p><a class=\"btn btn-gold\" href=\"https:\/\/abbistar.com\/#contact\">Speak With Our Team <svg class=\"arr\" viewBox=\"0 0 18 10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.4\" aria-hidden=\"true\"><path d=\"M0 5h16M12 1l4 4-4 4\"\/><\/svg><\/a><\/div>\n      <div class=\"rv\"><figure class=\"ph personal\" role=\"img\" aria-label=\"Two people of different ages in conversation across a table\"><div class=\"art art-teal\"><\/div><img src=\"https:\/\/abbistar.com\/wp-content\/themes\/abbistar\/assets\/img\/conversation.jpg\" alt=\"\" decoding=\"async\" loading=\"lazy\"><\/figure><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n<section class=\"tstC sheet cen on-ink\" id=\"testimonials\" aria-labelledby=\"tst-title\">\n  <div class=\"wrap\">\n    <h2 id=\"tst-title\" class=\"rv\">Relationships Built on Understanding and Trust.<\/h2>\n    <div class=\"tcols\"><figure class=\"tc rv\"><span class=\"qm\" aria-hidden=\"true\">&ldquo;<\/span><blockquote style=\"margin:0\"><p>I loved the way that our needs were listened to and executed without us having to do any of the dreaded research or legwork. The whole experience felt easy, and the best part is that we got exactly the kind of result we were looking for! A Happy Retirement!<\/p><\/blockquote><figcaption><img decoding=\"async\" src=\"https:\/\/abbistar.com\/wp-content\/themes\/abbistar\/assets\/img\/star-white.png\" alt=\"\" aria-hidden=\"true\">Karen C.<\/figcaption><\/figure><figure class=\"tc rv\"><span class=\"qm\" aria-hidden=\"true\">&ldquo;<\/span><blockquote style=\"margin:0\"><p>I am delighted to enthusiastically endorse Abbistar to anyone contemplating a Life Settlement. During our conversions, they consistently showcased exceptional commitment and effective communication. Whether it involves handling urgent issues or delivering regular updates, they consistently surpasses expectations with their timeliness. They facilitated a smooth navigation through this intricate situation and I eagerly anticipate future conversions.<\/p><\/blockquote><figcaption><img decoding=\"async\" src=\"https:\/\/abbistar.com\/wp-content\/themes\/abbistar\/assets\/img\/star-white.png\" alt=\"\" aria-hidden=\"true\">Kisha S.<\/figcaption><\/figure><figure class=\"tc rv\"><span class=\"qm\" aria-hidden=\"true\">&ldquo;<\/span><blockquote style=\"margin:0\"><p>In our roles as accountants, lawyers, and consultants, it is crucial for us to provide comprehensive assistance to our clients. Collaborating with exceptional advisors is an integral part of this process, and Maria is undoubtedly one of those remarkable individuals. Her extensive experience and expertise have proven invaluable. The insights she provided on life insurance and its potential benefits played a pivotal role in our decisions.<\/p><\/blockquote><figcaption><img decoding=\"async\" src=\"https:\/\/abbistar.com\/wp-content\/themes\/abbistar\/assets\/img\/star-white.png\" alt=\"\" aria-hidden=\"true\">Stuart N.<\/figcaption><\/figure><\/div>\n    <p class=\"tst-note rv\">These testimonials are dramatized. Experiences vary, and they are not a guarantee of any result.<\/p>  <\/div>\n<\/section>\n\n\n<section class=\"faqC sheet cen\" id=\"faqs\" aria-labelledby=\"faq-title\">\n  <div class=\"wrap\">\n    <h2 id=\"faq-title\" class=\"rv\">Your Questions, <span class=\"it\">Thoughtfully Answered.<\/span><\/h2>\n    <p class=\"lede rv\" style=\"margin-top:18px\">If your question is not covered here, our team is glad to talk it through with you.<\/p>    <div class=\"acc rv\"><div class=\"acc-item\"><button class=\"acc-q\" type=\"button\" aria-expanded=\"false\" aria-controls=\"a1\" id=\"q1\">What is a life settlement?<span class=\"pm\" aria-hidden=\"true\"><\/span><\/button>\n        <div class=\"acc-a\" id=\"a1\" role=\"region\" aria-labelledby=\"q1\"><div><div class=\"inner\"><p>A life settlement is the sale of an existing life insurance policy to a third party for a one-time cash payment. The buyer becomes the policy&#039;s owner and beneficiary and takes responsibility for future premiums. The payment is less than the death benefit and must be more than the policy&#039;s cash surrender value.<\/p><\/div><\/div><\/div><\/div><div class=\"acc-item\"><button class=\"acc-q\" type=\"button\" aria-expanded=\"false\" aria-controls=\"a2\" id=\"q2\">How is a viatical settlement different from a life settlement?<span class=\"pm\" aria-hidden=\"true\"><\/span><\/button>\n        <div class=\"acc-a\" id=\"a2\" role=\"region\" aria-labelledby=\"q2\"><div><div class=\"inner\"><p>Both involve selling a policy. A viatical settlement is for an insured person who is chronically or terminally ill, often with a shorter life expectancy. A life settlement is typically for older policyholders who are not necessarily ill. The exact definitions and rules vary from state to state.<\/p><\/div><\/div><\/div><\/div><div class=\"acc-item\"><button class=\"acc-q\" type=\"button\" aria-expanded=\"false\" aria-controls=\"a3\" id=\"q3\">Can I sell my existing life insurance policy?<span class=\"pm\" aria-hidden=\"true\"><\/span><\/button>\n        <div class=\"acc-a\" id=\"a3\" role=\"region\" aria-labelledby=\"q3\"><div><div class=\"inner\"><p>Many policyowners can, but not every policy qualifies. Eligibility depends on factors such as the type and size of the policy, how long it has been in force, the insured&#039;s age and health, and the laws of your state. A conversation with our team is the simplest way to find out whether a review makes sense.<\/p><\/div><\/div><\/div><\/div><div class=\"acc-item\"><button class=\"acc-q\" type=\"button\" aria-expanded=\"false\" aria-controls=\"a4\" id=\"q4\">How is the potential value of a policy evaluated?<span class=\"pm\" aria-hidden=\"true\"><\/span><\/button>\n        <div class=\"acc-a\" id=\"a4\" role=\"region\" aria-labelledby=\"q4\"><div><div class=\"inner\"><p>The evaluation considers the death benefit, the premiums needed to keep the policy in force, the policy&#039;s type and provisions, the insured&#039;s age and health, and current market conditions. Together these determine whether an offer can be made and what it might be.<\/p><\/div><\/div><\/div><\/div><div class=\"acc-item\"><button class=\"acc-q\" type=\"button\" aria-expanded=\"false\" aria-controls=\"a5\" id=\"q5\">What happens after I request a policy review?<span class=\"pm\" aria-hidden=\"true\"><\/span><\/button>\n        <div class=\"acc-a\" id=\"a5\" role=\"region\" aria-labelledby=\"q5\"><div><div class=\"inner\"><p>A member of our team will contact you to discuss your policy and goals. If a review is appropriate, we will ask for policy information and, with your written authorization, request records needed for underwriting. If the policy qualifies, you may receive an offer to consider. You are under no obligation to accept.<\/p><\/div><\/div><\/div><\/div><div class=\"acc-item\"><button class=\"acc-q\" type=\"button\" aria-expanded=\"false\" aria-controls=\"a6\" id=\"q6\">How does an offer compare to the cash surrender value?<span class=\"pm\" aria-hidden=\"true\"><\/span><\/button>\n        <div class=\"acc-a\" id=\"a6\" role=\"region\" aria-labelledby=\"q6\"><div><div class=\"inner\"><p>A life settlement offer must be more than the policy&#039;s cash surrender value. If a policy cannot meet that, a settlement is not available for it. That is why it helps to compare all of your options, including keeping the policy, before deciding.<\/p><p>Settlement proceeds may have tax consequences and may affect eligibility for certain public assistance programs. We recommend speaking with a tax or legal advisor about your situation.<\/p><\/div><\/div><\/div><\/div><div class=\"acc-item\"><button class=\"acc-q\" type=\"button\" aria-expanded=\"false\" aria-controls=\"a7\" id=\"q7\">What types of insurance policies may be eligible?<span class=\"pm\" aria-hidden=\"true\"><\/span><\/button>\n        <div class=\"acc-a\" id=\"a7\" role=\"region\" aria-labelledby=\"q7\"><div><div class=\"inner\"><p>Universal, indexed universal, whole, variable and convertible term policies may all be considered, as well as some group policies that can be converted to individual coverage. Each is reviewed individually, and eligibility is never automatic.<\/p><\/div><\/div><\/div><\/div><div class=\"acc-item\"><button class=\"acc-q\" type=\"button\" aria-expanded=\"false\" aria-controls=\"a8\" id=\"q8\">How are my personal and policy details handled?<span class=\"pm\" aria-hidden=\"true\"><\/span><\/button>\n        <div class=\"acc-a\" id=\"a8\" role=\"region\" aria-labelledby=\"q8\"><div><div class=\"inner\"><p>Your information is used to evaluate your policy and respond to your inquiry, and it is treated as confidential. Medical records are requested only when needed for underwriting and only with your written authorization. Please do not include medical details in the website inquiry form.<\/p><\/div><\/div><\/div><\/div><\/div>\n  <\/div>\n<\/section>\n\n\n<section class=\"contact ctaC sheet cen on-ink\" id=\"contact\" aria-labelledby=\"cta-title\">\n  <svg class=\"cta-pattern\" aria-hidden=\"true\"><defs><pattern id=\"rose\" width=\"140\" height=\"140\" patternUnits=\"userSpaceOnUse\"><image href=\"https:\/\/abbistar.com\/wp-content\/themes\/abbistar\/assets\/img\/star-gold.png\" x=\"40\" y=\"40\" width=\"60\" height=\"60\"\/><\/pattern><\/defs><rect width=\"100%\" height=\"100%\" fill=\"url(#rose)\"\/><\/svg>  <div class=\"wrap\">\n    <h2 id=\"cta-title\" class=\"rv\">Your Goals Matter. <span class=\"it\">Let&#039;s Explore What&#039;s Possible.<\/span><\/h2>\n    <p class=\"lede rv\">Whether you hold a life insurance policy or are exploring life settlements as an investor, ABBISTAR is here to help you begin the conversation.<\/p>    <dl class=\"contact-list\">\n      <div><dt>Call<\/dt><dd><a href=\"tel:+18772224782\">877-222-4782<\/a> <span class=\"muted\">(877-ABBISTAR)<\/span> <button class=\"copybtn\" type=\"button\" data-copy=\"877-222-4782\">Copy<\/button><\/dd><\/div>\n      <div><dt>Visit<\/dt><dd>6909 164th Street, Suite 201<br>\nFresh Meadows, NY 11365<\/dd><\/div>\n    <\/dl>\n    <form class=\"form rv\" id=\"form\" novalidate>\n      <h3>Request a Confidential Consultation<\/h3>\n      <p class=\"sub\">Share a few details and a member of our team will be in touch.<\/p>\n      <div class=\"fgrid\">\n        <div class=\"field full\"><label for=\"f-name\">Full name<\/label><input id=\"f-name\" name=\"name\" autocomplete=\"name\" required><span class=\"msg\" id=\"e-name\"><\/span><\/div>\n        <div class=\"field\"><label for=\"f-email\">Email address<\/label><input id=\"f-email\" name=\"email\" type=\"email\" autocomplete=\"email\" required><span class=\"msg\" id=\"e-email\"><\/span><\/div>\n        <div class=\"field\"><label for=\"f-phone\">Phone number<\/label><input id=\"f-phone\" name=\"phone\" type=\"tel\" autocomplete=\"tel\" inputmode=\"tel\" required><span class=\"msg\" id=\"e-phone\"><\/span><\/div>\n        <div class=\"field\"><label for=\"f-state\">State or location<\/label>\n          <select id=\"f-state\" name=\"state\" required><option value=\"\">Select<\/option><option>Alabama<\/option><option>Alaska<\/option><option>Arizona<\/option><option>Arkansas<\/option><option>California<\/option><option>Colorado<\/option><option>Connecticut<\/option><option>Delaware<\/option><option>District of Columbia<\/option><option>Florida<\/option><option>Georgia<\/option><option>Hawaii<\/option><option>Idaho<\/option><option>Illinois<\/option><option>Indiana<\/option><option>Iowa<\/option><option>Kansas<\/option><option>Kentucky<\/option><option>Louisiana<\/option><option>Maine<\/option><option>Maryland<\/option><option>Massachusetts<\/option><option>Michigan<\/option><option>Minnesota<\/option><option>Mississippi<\/option><option>Missouri<\/option><option>Montana<\/option><option>Nebraska<\/option><option>Nevada<\/option><option>New Hampshire<\/option><option>New Jersey<\/option><option>New Mexico<\/option><option>New York<\/option><option>North Carolina<\/option><option>North Dakota<\/option><option>Ohio<\/option><option>Oklahoma<\/option><option>Oregon<\/option><option>Pennsylvania<\/option><option>Rhode Island<\/option><option>South Carolina<\/option><option>South Dakota<\/option><option>Tennessee<\/option><option>Texas<\/option><option>Utah<\/option><option>Vermont<\/option><option>Virginia<\/option><option>Washington<\/option><option>West Virginia<\/option><option>Wisconsin<\/option><option>Wyoming<\/option><option>U.S. territory<\/option><option>Outside the U.S.<\/option><\/select><span class=\"msg\" id=\"e-state\"><\/span><\/div>\n        <div class=\"field\"><label for=\"f-face\">Est. face value <span class=\"opt\">(optional)<\/span><\/label>\n          <select id=\"f-face\" name=\"face\"><option value=\"\">Prefer not to say<\/option><option>Under $100,000<\/option><option>$100,000 to $249,999<\/option><option>$250,000 to $499,999<\/option><option>$500,000 to $999,999<\/option><option>$1,000,000 to $4,999,999<\/option><option>$5,000,000 or more<\/option><option>Not sure<\/option><\/select><\/div>\n        <div class=\"field full\"><label for=\"f-msg\">Message <span class=\"opt\">(optional)<\/span><\/label><textarea id=\"f-msg\" name=\"message\" placeholder=\"Tell us briefly what you would like to discuss. Please do not include medical information.\"><\/textarea><\/div>\n        <div class=\"hp\" aria-hidden=\"true\" style=\"position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden\"><label>Leave this field empty<input type=\"text\" name=\"website\" tabindex=\"-1\" autocomplete=\"off\"><\/label><\/div>\n        <label class=\"consent\" id=\"consent-wrap\"><input type=\"checkbox\" id=\"f-consent\" name=\"consent\" value=\"yes\" required><span>I agree that ABBISTAR may contact me by phone or email about my inquiry, and I understand my information will be handled confidentially. Submitting this form does not obligate me to sell my policy.<\/span><\/label>\n      <\/div>\n      <button class=\"btn btn-ink\" type=\"submit\" id=\"f-submit\">Request a Confidential Consultation <svg class=\"arr\" viewBox=\"0 0 18 10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.4\" aria-hidden=\"true\"><path d=\"M0 5h16M12 1l4 4-4 4\"\/><\/svg><\/button>\n      <div id=\"f-status\" role=\"status\" aria-live=\"polite\"><\/div>\n      <p class=\"form-note\">For your privacy, please do not send medical records or diagnoses through this form.<\/p>    <\/form>\n  <\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-7","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/abbistar.com\/index.php\/wp-json\/wp\/v2\/pages\/7","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/abbistar.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/abbistar.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/abbistar.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/abbistar.com\/index.php\/wp-json\/wp\/v2\/comments?post=7"}],"version-history":[{"count":0,"href":"https:\/\/abbistar.com\/index.php\/wp-json\/wp\/v2\/pages\/7\/revisions"}],"wp:attachment":[{"href":"https:\/\/abbistar.com\/index.php\/wp-json\/wp\/v2\/media?parent=7"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}