def: (ash-er) “do what is right and you will be blessed”

Who We Serve

Financial Professionals & Fiduciaries

Clients Have Questions. We Have Answers.

We provide answers to the questions your clients are asking – “What are my options if I no longer need or want to pay for my policy? What is my policy worth?” Our life insurance valuation options arm you with the information needed to deliver comprehensive planning solutions. If a life settlement is the best path for your client, we will guide you through the process so you can focus on what you do best.

Exchange existing life insurance for cash today.

Decisions made easy.

Find out if a life settlement is the right path for your clients.

Should You Keep or Sell Your Life Insurance Policy?

Did you know you can sell a life insurance policy for cash? A life settlement offers a significantly higher value than simply letting an unneeded, unwanted or unaffordable policy lapse. Whether you are a policy owner or a loved one looking for options, the first step is to determine its value. Our sole responsibility is to you – the policy owner. We ensure you get the unbiased information you need to determine the right path and deliver the best possible outcome.

Your life insurance policy is an asset and should be valued.

Decisions made easy.

Find out if a life settlement is the right path for you.

National Partners

Relationships Matter.

You’ve likely spent decades building relationships on a foundation of trust. Ashar deliberately partners with organizations that share similar values of serving clients’ best interests and a dedication to compliance and transparency. This includes honoring the relationships companies have built with their clients and ensuring our actions help protect those relationships.

As a life settlement fiduciary, we represent the policy owner and sit on the same side of the table as financial professionals and the clients you serve.

Education Made Easy.

Learn more through our library of blogs, articles, and videos.

Who We Serve

Planning Professionals Policy Owners National Partners

What We Do

About Us

How We're Different Our Values We Are Ashar

Success Stories

Knowledge Center

NEWS RESOURCES General FAQs

Contact Keep or Sell?

def: (ash-er) “do what is right and you will be blessed”

Who We Serve

Financial Professionals & Fiduciaries

Clients Have Questions. We Have Answers.

We provide answers to the questions your clients are asking – “What are my options if I no longer need or want to pay for my policy? What is my policy worth?” Our policy valuation options arm you with the information needed to deliver comprehensive planning solutions. If a life settlement is the best path for your client, we will guide you through the process so you can focus on what you do best.

Exchange existing life insurance for cash today.

Decisions made easy.

Find out if a life settlement is the right path for your clients.

Should You Keep or Sell Your Life Insurance Policy?

Did you know you can sell a life insurance policy for cash? A life settlement offers a significantly higher value than simply letting an unneeded, unwanted or unaffordable policy lapse. Whether you are a policy owner or a loved one looking for options, the first step is to determine its value. Our sole responsibility is to you – the policy owner. We ensure you get the unbiased information you need to determine the right path and deliver the best possible outcome.

Your life insurance policy is an asset and should be valued.

Decisions made easy.

Find out if a life settlement is the right path for you.

National Partners

Relationships Matter.

You’ve likely spent decades building relationships on a foundation of trust. Ashar deliberately partners with organizations that share similar values of serving clients’ best interests and a dedication to compliance and transparency. This includes honoring the relationships companies have built with their clients and ensuring our actions help protect those relationships.

As a life settlement fiduciary, we represent the policy owner and sit on the same side of the table as financial professionals and the clients you serve.

Education Made Easy.

Learn more through our library of blogs, articles, and videos.

Who We Serve

Planning Professionals Policy Owners National Partners

What We Do

About Us

How We're Different Our Values We Are Ashar

Success Stories

Knowledge Center

NEWS RESOURCES General FAQs

Contact Keep or Sell?

Integrating the Life Settlement Solution into Client 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 affluent 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

Resources you can use:

SHAREABLE CONTENT

Key Tips for Integrating the Life Settlement Solution

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

DOWNLOAD TO LEARN MORE:

"Integrating Life Settlements into Client Planning"

LIFE SETTLEMENT AUCTION PROCESS Using a sell-side advisor with fiduciary duty to the policy owner:

The Importance of a Policy Auction

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.

Jamie L. Mendelsohn
Executive Vice President

Jon B. Mendelsohn
Chief Executive Officer

Jason T. Mendelsohn
Co-Founder and President