An Impactful Way to Pay for Care and Other Senior Needs
Don't abandon your life insurance policy without getting it appraised!
AT NO COST TO YOU!
Your life insurance policy is an asset you own and can be valued and sold like any other property. It is your right to sell it if you no longer need the coverage, it has become unaffordable, or you need cash now. Don't settle for what the insurance carrier offers if you don't have to. If you are considering any changes to your life insurance, be sure to have it appraised for its life settlement value first.
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.
Here's what typically qualifies for a life settlement:
NO MEDICAL EXAMS ARE EVER REQUIRED
Face Amount $100K or more
Insured Age 70+ (younger if the insured has impaired health)
Any policy type can qualify, but any Universal Life products and Convertible Term are the most attractive.
How can you use the funds from a life settlement?
The funds from a life settlement can be used for anything!
Add to your retirement income
Pay for long-term care or help at home
Cover medical bills or health-related expenses
Buy new life insurance on younger family members
Fund other financial products
Make investments to grow your money
Give to family or make charitable gifts
Pay for grandchildren's education or business ventures
Pay off loans, credit cards, or other debt
Travel, enjoy leisure activities, or check off your bucket list
Why partner with Ashar Group?
They represent the policy owner, not the buyer,
They facilitate a secure policy auction among licensed buyers (who represent multiple funding sources) to ensure the policy owner receives the highest offer,
They are family-owned and treat every client as if they were a member of their family.
They have systems and processes in place to protect clients' health and policy data.
They will tell the policy owner if it's better to keep the policy - no hard sales tactics.
They value thousands of policies every year and leverage that information to inform policy owners immediately if a life settlement value exists.
The policy is no longer needed due to estate tax changes
No longer want to allocate planning dollars to the premium
Divorce or bankruptcy
Liquidity is needed for other planning
Retirement or exit from a business
You're outliving the original plan
You've had a change in health since the policy was issued
The policy isn't performing as expected
Desire to simplify complicated insurance structures
Funding is needed for caregiving or other health-related expenses
LIFE SETTLEMENT PROCESS USING ASHAR'S POLICY AUCTION PLATFORM:
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.
