Chris Abrams, Author at Abrams Insurance Solutions

All Posts By Chris Abrams

I'm a life insurance and financial planning specialist. My goal is to help my clients build wealth and save time and money when shopping for insurance. Learn strategies to build wealth with less risk, taxes and fees. Read our client reviews to learn what it is like to work with us. My team is licensed in all 50 states and represents over 70 insurance companies. If you have been declined for coverage, have a special need or have questions; contact us. We have creative solutions for almost every situation.

Chris Abrams is the Founder of Abrams Insurance Solutions, an online insurance, investment and retirement planning firm. Chris has been life and health insurance licensed since 2009. He and his team have an active insurance license in all 50 U.S. states and D.C.

In 2017, he earned his Series 65 to become an IAR (Investment Advisor Representative). As an IAR, he can provide investing and financial advice, in addition to insurance guidance.

Chris is a fiduciary and will always place your interests first and as top priority. Abrams Insurance Solutions is A+ rated by the Better Business Bureau.

His goal with Abrams Insurance Solutions is to help clients accumulate as much wealth as possible, while minimizing taxes, risk and fees. If you are using a 401(k) or IRA to save for retirement, there are tax-free options with more benefits. We specialize in setting up these tax-free plans.

The Abrams Insurance Solutions website was created to be an educational resource to help clients learn the important details of how to shop for insurance and grow wealth. New content and tools are constantly being added to provide ongoing value and knowledge to our readers.

Chris publishes all of the content on this website and is often consulted as a resource for many high-profile publications.

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Press and Media Featuring Chris

Articles Written By Chris

Having an IUL policy in your financial toolbox

I’ve Owned an IUL for 15 Years. Here’s How It Has Actually Performed

After 15 years of owning an IUL, here’s what my actual index interest credits have looked like, including my average IUL return and the full year-by-year historical returns from 2012 to 2025, plus why I’ve never compared its rate of return to the S&P 500. I’ve owned my indexed universal life insurance policy for about…

How Do You Do a 401(k) Rollover Without Costly Mistakes?

Compare the following 401(k) rollover options, then request a direct rollover from your former employer’s plan to avoid unnecessary taxes and penalties. Key Takeaways Changing a job or retiring comes with an important decision: what should you do with the retirement savings you worked years to build? Since your 401(k) likely represents a big portion…

Life Insurance Over 40: How to Find the Right Coverage at the Best Price

If you’re over 40, the best life insurance depends on your health, financial goals, and family needs. Term life is affordable for temporary coverage (e.g., a mortgage or children’s education), while whole life or indexed universal life (IUL) offers lifelong protection and cash value growth. Comparing quotes from multiple insurers and purchasing coverage while you’re…

An article explaining the difference between qualified and non-qualified retirement plans

Qualified vs Non-Qualified Retirement Plans – What’s the Difference?

Qualified and non-qualified retirement plans differ in their tax treatment, contribution limits, employee eligibility requirements, and regulatory oversight. Qualified retirement plans such as 401(k)s, 403(b)s, SEP IRAs, SIMPLE IRAs, and pension plans must satisfy IRS and ERISA requirements. Non-qualified plans, such as deferred compensation plans, supplemental executive retirement plans (SERPs), and certain cash-value life insurance…

Short-Term Disability Insurance for Maternity Leave

Disability insurance for maternity leave can help replace a portion of your income while you recover from childbirth, but it typically does not cover routine maternity leave or bonding time. Most policies only pay benefits when pregnancy, childbirth, or a related medical condition prevents you from working. To qualify, coverage usually must be in place…

Learn what long-term care insurance is and whether it's worth it.

Long Term Care Insurance: What It Is, What It Costs, and How It Works

Long-term care insurance helps cover the cost of services like home care, assisted living, and nursing homes when you can no longer perform daily activities on your own. Most health insurance and Medicare do not cover long-term custodial care, making LTC insurance a key tool for protecting retirement savings and maintaining control over care decisions.…

Kidnap and Ransom Insurance: What It Is and What It Covers

Kidnap and ransom insurance (K&R insurance) protects individuals and organizations from the financial costs of kidnapping, extortion, wrongful detention, and hijacking. Policies typically reimburse ransom payments and provide access to professional crisis response teams, negotiators, medical care, legal support, and other recovery services. K&R coverage is commonly used by executives, international travelers, humanitarian workers, and…

How Delta Dental Works: Simple Guide to Plans, Coverage, and Benefits

Delta Dental is one of the largest dental insurance companies in the country, serving millions of Americans through a national network of Delta Dental companies. Yet most people never fully understand how their dental insurance plans work, what dental services they cover, or how out-of-pocket costs are calculated. This guide breaks everything down so you…

Click here to find out how you can get a million dollar life insurance policy without a medical exam

How To Get Up To $1,000,000 Life Insurance Coverage With No Medical Exam

A million-dollar no-exam life insurance policy might sound like something that only the ultra-healthy or high-income earners can qualify for, but the reality is far more encouraging. With modern underwriting technology and more flexible life insurance options, many people can secure $1 million in coverage without a medical exam or needles, lab work, or doctor’s…

Asset-Based Long Term Care: Protect Your Assets and Secure Your Future

Long-term care expenses are rising faster than most retirees anticipate, especially when it comes to home health care. With rates often ranging from $30 to $40 an hour, the cost of having help at home just eight hours a day, seven days a week can easily reach $10,000 a month—over $120,000 a year. Many families…