The only certainty about tax laws is that they will inevitably change, creating both challenges and opportunities for financial planning. Governments frequently adjust tax policies to address economic conditions, budgetary needs, and shifting political priorities, which can significantly impact income, investments, and estate planning strategies. For financial advisors, this unpredictability underscores the importance of staying proactive and flexible, continuously evaluating clients’ portfolios and strategies to ensure alignment with the latest tax landscape. Adaptability can help clients mitigate risks, capitalize on emerging opportunities, and safeguard their financial well-being amidst constant legislative evolution.
Valuing existing life insurance assets is a crucial step in preparing clients for potential tax changes that could impact their financial plans. Life insurance is a protection tool and a vital asset in wealth transfer strategies, retirement planning, and estate management. Upcoming tax policy revisions may alter the tax benefits associated with life insurance or even the need to maintain the coverage. By assessing the current value of these policies, advisors can help clients make informed decisions about whether to keep, sell, or change existing policies.
Additionally, understanding the value of a policy allows financial advisors to identify opportunities for strategic planning, such as leveraging the policy for loans, converting to other products, reallocating premiums to maximize tax efficiency, or monetizing the policy for other planning needs. Proactively addressing these factors positions advisors as trusted partners in navigating complex financial landscapes while helping clients preserve their wealth and achieve their long-term goals.
A LIFE SETTLEMENT is the sale of an existing life insurance policy for more than the cash surrender value and less than the face amount. This is a great solution for policy owners who no longer need or want their existing policies, wish to eliminate future premium burdens, and would like to receive more than they would for surrendering the policy. The funds from a life settlement can be used for anything - retirement, investments, new insurance engagements, or even charitable donations.
Download the 2025 Life Settlement Guide to get you started.
2025 Life Settlement Guide
Ashar Group is a nationally licensed life settlement firm that protects the best interests of policy owners by creating a competitive policy auction to deliver the best value to the seller. Ashar Group does not sell life insurance, manage assets, or purchase policies. We are an independent resource for fiduciary advisors and their clients specializing in life insurance valuation for planning purposes.
