We’re pleased to share the American Bar Endowment’s (ABE) estimated policy dividends by plan (shown below as a % of premium paid) for 2025.

Each year, these dividends help fund charitable initiatives that advance law-related research, education, and public service—projects that are vital to the public, the legal profession, and the future of our justice system.

By participating, you’re joining the ~83% of insured members who generously donate their dividends to support the American Bar Endowment’s charitable mission. Your contribution truly makes a difference. To learn more about the impact of these donations, please visit our Charitable Mission page.

Important Dates:

• Charitable Contribution Notices: Will be mailed late January to be used as your receipt for a 2025 federal income tax deduction

• Opt-Out Deadline: If you prefer not to donate this year’s dividend, please email your request to [email protected] by December 15, 2025.

Estimated 2025 Policy Dividends

Insurance Plan	Expected Dividend
Life insurance	50%
Disability income	30%
Hospital money	45%
Accidental Death & Dismemberment	70%
Excess Major Medical	45%
Office Overhead Expense	80%

On behalf of all of us at ABE, thank you for being a valued member of our insurance plans and a committed steward of the legal community.