3-Step Guide to Life Insurance Valuation in Business Planning

What is a life settlement?

A life settlement is the sale of an existing life insurance policy for more than the cash value and less than the death benefit.

LIFE SETTLEMENTS ARE REGULATED TRANSACTIONS. IT IS A POLICY OWNER'S RIGHT TO SELL IN ALL 50 STATES.

Who qualifies for a life settlement?

NO MEDICAL EXAMS ARE EVER REQUIRED

All face amounts (at least $100K), including jumbo policies, and life insurance portfolios.
Insured Age 70+ (younger if the insured has impaired health).
All policy types are eligible; however, Universal Life and Convertible Term products are the most attractive options.
There are some buyers specifically looking for Guaranteed Universal Life products.
Efficient policies can secure offers in as little as 48 hours, even without medical records.

Why do clients explore the life settlement solution?

THE FUNDS FROM A LIFE SETTLEMENT CAN BE USED FOR ANYTHING!

Reallocate 6-7-figure premiums to other planning and investment needs
Purchase coverage on younger family members without pulling from other assets
Enhance investment portfolios
Strengthen trust and estate structures
Fund philanthropic legacies
Liquidity preservation

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3-STEP GUIDE: Life Insurance Valuation in Business Planning

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WHEN TO VALUE LIFE INSURANCE:

Periodic Planning Conversations
Updating Estate Plans
Original Purpose No Longer Applies
Retirement or Exit From a Business
Major Life Changes
Policy is Not Performing as Expected
Before Lapse or Surrender
When Liquidity is Needed
Gifting or Legacy Strategies
Increased Longevity

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"Integrating Life Settlements into Client Planning"

LIFE SETTLEMENT AUCTION PROCESS

**To maximize value, use a sell-side advisor who has a fiduciary duty to your client.**

The Importance of a Policy Auction

Ashar Group is an independent resource specializing in life insurance valuation for planning purposes. They are a nationally licensed sell-side life settlement firm that protects policy owners’ best interests by facilitating a competitive policy auction to deliver the best value to sellers. Ashar Group does not sell life insurance, manage assets, or purchase policies. They are 100% aligned with advisory teams and the clients they serve.

Jamie L. Mendelsohn
Executive Vice President

Jon B. Mendelsohn
Chief Executive Officer

Jason T. Mendelsohn
Co-Founder and President